Understanding Small Business Banking Services

Frequently Asked Questions

We understand that each small business has unique needs. That’s why we have several options to suit your business. We’ve gathered our most frequently asked questions about small business banking here.

  • General

    • Frequently Asked Questions

      Why choose SunTrust?

      We build close, enduring relationships with our business and corporate clients.  With a history of more than a century of commitment, leadership and trust; we are invested in helping our clients prosper.  Our team of financial professionals leverages in-depth market and industry expertise, along with a thorough understanding of your unique circumstances, to deliver thoughtful, unbiased advice and creative solutions that are relevant to your specific goals.

      How do I log into Online Cash Manager?

      Click here to access the login page.  You will need your Username and Password to use Online Cash Manager.  If you have problems, you can call us at 1-800-382-3232.

      How do I get check copies?

      If you have Online Cash Manager, you may log in to see and print your check copies or you can call us at 1-800-752-2515 to request them by mail.

      How do I order checks online?

      You can easily reorder your personal checks and view the status of your order online.  The following information must be consistent with your last order: Personal information (name and address in the check imprint), Mailing address, Next check sequence number.  To reorder business checks, click here.

      How do I provide feedback?

      Send us a secure email message through Online Cash Manager or send your general banking comments, questions, or suggestions to us by clicking here.

      How do I add a stop payment?

      Payments can be stopped if the check has not been presented.  You can request a stop payment on a range of checks or multiple stop payments on a series of checks. In Online Cash Manager click Stop Payment, then select Single or Multiple Stop Payment Request. Enter the check serial number or range and then click the Submit Request button.

  • Loans

    • Frequently Asked Questions

      How do I pay my commercial loan online?

      If you have a SunTrust business checking account, you may log into Online Cash Manager to make your loan payment online.

      How do I request an advance on my commercial loan?

      If you have Online Cash Manager, you may log in and use the transfer function to complete your request.  You may also call us at 1-800-752-2515.

      Is there a loan limit for SBA loans?

      Yes, but the limits were raised in 2010 and may be higher than you expect. The maximum loan amount for a 7(a) loan is $5 million. For 504 loans, the maximum loan amount is either $5 million or $5.5 million, depending on the industry and purpose of the loan.

      What collateral is required for a SBA loan?

      The SBA does not have a specific level of collateral that must be pledged. Collateral will be determined on a case-by-case basis.

      What kind of fees are charged for SBA loans?

      The Recovery Act has temporarily waived SBA guarantee fees. There will still be origination fees and closing costs, just as you would have with any loan.

      What are the advantages of a SBA loan?

      You may find it easier to qualify for a loan backed by the SBA because the bank receives a federal guarantee for a large portion of the loan.

      Can I apply for a SBA loan through SunTrust?

      Yes. SunTrust is active in making SBA loans. To get started, please contact the SunTrust Business Banking Client Care Center Mon – Fri from 8:00am to 8:00pm at 877.370.5108.

      Is SunTrust a SBA Preferred Lender?

      Yes, SunTrust is an SBA Preferred Lender. This means we are authorized by the SBA to grant loan approvals, thereby speeding up the time to grant and approve SBA loans.

      What are the advantages of applying for a SBA loan through SunTrust?

      SunTrust has trained SBA loan specialists who can guide you through the process and advise you on the loan programs. Most important, our specialists can tell you up-front what documentation will be required and evaluate your specific situation in order to tell you your likelihood of receiving the loan.

      What is a SBA Champion?

      SunTrust SBA Champions are our SBA loan specialists. They can help gather all of the information you will need and quickly usher you through the process.

      How can I apply for a SBA-backed loan at SunTrust?

      The best way is to call 800.752.2515 to speak with a SunTrust business banking representative seven days a week. The representative can help you open an account, apply for a loan, apply for a business credit card or get more information on any of our products and services.

      Does SunTrust offer business loans other than those backed by the SBA?

      Yes. SunTrust also offers business term loans and commercial mortgages. Business term loans will help fund your business projects and offer flexible payment options while our commercial mortgages provide competitive rates for buying or building facilities for your business.

      What are SBA loans?

      Small Business Administration loans (SBA loans) are U.S. government guaranteed loans for business owners.

      Does the U.S. government make SBA loans?

      No. The U.S. government only guarantees, or "backs," a percentage of the loan. The bank providing the loan is the actual lender. The government guarantee reduces the risk of losses for the bank and, therefore, allows banks to make more loans than they would be willing to make without a guarantee.

      What kinds of businesses qualify for SBA loans?

      Businesses from all types of industries are eligible for SBA loans. The business can be a small start-up or have more than a thousand employees with revenues in the millions of dollars. The most common borrowers are entrepreneurs looking to start, expand or acquire a business.

  • Payroll

  • Credit

  • Small Business Card Online (SBCO)

    • Frequently Asked Questions

      What is SunTrust Business Card Online?

      SunTrust Business Card Online provides an easy and secure way to view your credit card account information online. With this service you can view your account summary and transaction information and make payments, all from the convenience of your desktop.

      What information is needed to use SunTrust Business Card Online?

      To use SunTrust Business Card Online, click on the "Sign In" button located at the top of the page. You will be asked to provide certain security information. This information helps us to authenticate you and to provide you with the correct account information.

      How much does it cost to view my transaction activity online?

      SunTrust Business Card Online is a free service provided to your company as a feature of your SunTrust Business Credit Card.

      What account information can I see on SunTrust Business Card Online?

      SunTrust Business Card Online includes account summary information and your monthly transaction activity for the current and two previous billing cycles. For your convenience, you can also view your transaction activity since your latest paper statement was issued through the mail.

      Can I report lost or stolen through SunTrust Business Card Online (SBCO)?

      No, but if you have a missing credit card, report it immediately to our 24-hour Customer Service number, 877.864.0197, Option 1. This number is also printed on your monthly statements. We will cancel your card and send you a new one.

      What if there are unauthorized charges on my stolen card?

      If your card is stolen, you're not liable for these charges. If you suspect your card has been stolen, you should call us right away at 877.864.0197, Option 1.

      What if I want to dispute a charge on my statement?

      If you have any unauthorized charges or a problem with the quality of property or services that you have purchased with your SunTrust Business Credit Card and you have tried in good faith to correct the problem with the merchant, you can call us at 855.574.2423 to submit your dispute.

      How can I pay my SunTrust Business Credit Card?

      SBCO offers the following payment options:

      • One-time payment
      • Future-dated payment
      • Set up Autopay
      • Pay over the phone by calling 855.574.2423
      • Send any SunTrust Business Credit Card payments via regular mail to:
        SunTrust Bank
        P.O. Box 791250
        Baltimore, MD 21279-1250
        Please include your credit card account number on your check.

      Who do I contact if I have an issue with an item within my online transaction activity?

      If you have questions about charges to your account, transactions on your account or any other account information displayed on this Web site, please call 855.574.2423. This number is also available after you sign in.

      If I use this service, will I still get a paper statement in the mail?

      All company control accounts and individually billed accounts will receive a paper statement in the mail until the account opts in for estatements.

      Can I view my statement on SunTrust Business Card Online?

      You now have the freedom to choose how you would like to receive your credit card statement. We offer free estatements for all of our SunTrust Business Credit Card accounts. Once registered, an account user can opt into estatements by going to the “Account Info” tab then clicking on “Change Statement Delivery Method” and then choosing “Receive Electronic Statement Only”. You will no longer receive a paper statement. You will get an email each month informing you when your statement is available to view online. 

      Will all of my previous statements be available electronically once I opt-in for estatements?

      No, estatements will only generate for statement periods going forward from your opt-in date. SBCO will keep up to 12 months’ worth of estatements online. We recommend saving your estatements for record purposes.

      What security measures does SunTrust Business Card Online use?

      We use advanced encryption techniques, including Secure Socket Layer technology, to protect the information you provide to us over the Internet. You can tell that the session is secure when you see a locked padlock displayed at the bottom of most browser windows. In addition, before displaying any transaction activity information online, we verify the identity of the cardholder, using the sign in or enrollment information.

      Can anyone other than the cardholder view statements or make bill payments?

      The information requested on the Sign In page is designed so that all cardholders can enter the site and view their own account information. In the case of business cards, the company or control account can view the account information of all sub-accounts and make payments on the company or control account. Sub-accounts can view only their own account information.. For quality assurance, customer service or account maintenance purposes, SunTrust and its employees and agents may also access your account information through this Web site.

      Is there a mobile version of SunTrust Business Card Online?

      You can log into SunTrust Business Card Online (SBCO) via your mobile device’s internet browser and have the same functionality you would have on your desktop.

Business Customer Service
800.752.2515

24-hour US-based Customer Service
SunTrust Small Business Credit Card

855.574.2423

24-hour automated assistance
800.786.8787 (800.SUNTRUST)

Online Cash Manager, PC Banking and Bill Pay
800.382.3232

TDD (Telephone Device for the Deaf)
800.854.8965

Report Checking Account Fraud
800.447.8994 (Option 1-Option 3)

Lost or Stolen Card
800.786.8787 Option 5

International Toll Free
800.ST.TRAVEL (800.7887.2835)

Please note that Federal Regulation E outlines the rules and procedures for electronic funds transfers (EFTs) for consumers. The protections and deadlines included in Regulation E do not apply to business accounts. Regulation E only establishes rights, liabilities, and responsibilities for consumer transactions on consumer accounts.

Account-specific questions
Login to Online Cash Manager

General banking comments, questions, or suggestions
Complete a Contact Us form

Please note that Federal Regulation E outlines the rules and procedures for electronic funds transfers (EFTs) for consumers. The protections and deadlines included in Regulation E do not apply to business accounts. Regulation E only establishes rights, liabilities, and responsibilities for consumer transactions on consumer accounts.

Write Us
Mail your questions, comments, or suggestions to (No deposits or payments accepted at this address):

SunTrust Bank
GA-Atlanta-0795
P.O. Box 4418
Atlanta, GA 30302-4418

Bank by Mail
You may mail checking, savings, or money market deposits to (Be sure to include a deposit slip or your name and account number. Do not send currency via U.S. mail):

SunTrust Bank, Special Handling
VA-RIC-9292
P.O. Box 27572
Richmond, VA 23261-7572

Consumer Loan/Line Payment Addresses
Access 3 payment address
SunTrust Bank
P.O. Box 791274
Baltimore, MD 21279-1274

All other lines of Credit Payments
SunTrust Bank
P. O. Box 79282
Baltimore, MD 21279-0282

Consumer Loan Payments
SunTrust Bank
P.O. Box 791144
Baltimore, MD 21279-1144

Please note that Federal Regulation E outlines the rules and procedures for electronic funds transfers (EFTs) for consumers. The protections and deadlines included in Regulation E do not apply to business accounts. Regulation E only establishes rights, liabilities, and responsibilities for consumer transactions on consumer accounts.