Find answers to questions about escrow, year-end statements, relationship rewards and more.
Welcome to SunTrust! We are happy you are here. We have answered some of the most commonly asked questions in this section.
For your benefit, we have addressed the most frequently asked questions about mortgage escrow accounts.
Helping you understand your escrow statement. As your property taxes and insurance bills fluctuate we'll help you understand your monthly mortgage payment. Download the guide to understanding escrow >Link opens a new window
If you have real estate tax questions, we have the answers...starting with these most commonly asked questions.
Understanding your homeowner's (hazard) insurance options and responsibilities is an important part of protecting your home. That's why we've outlined the types of policies available, some general insurance information, plus tips on how you can reduce insurance costs on your home.
*Homebuyer Privileges® is brought to you by Genworth Mortgage Insurance through SunTrust Mortgage, a Division of SunTrust Bank, a participating lender. Contact Genworth's ionCenter® at 800.444.5664 with any questions.
1 Subject to credit approval. Conditions and limitations apply. Loan proceeds may not be used to refinance an existing LightStream® loan or for business purposes.
2 Additional terms and conditions apply, which SunTrust will provide to you when you become an enrolled program member (in SunTrust Cash Rewards). All credit cards are subject to credit approval. The MasterCard card is issued by SunTrust Bank, pursuant to a license from MasterCard International. ©2017 Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Visit suntrust.com for more information about the SunTrust Cash Rewards Credit Card.
3 5% Cash Back Benefit: You will earn another additional 3% in Cash Rewards (5% Cash Rewards total), at Participating Merchants (gas and grocery stores), on Qualifying Purchases made with the Card (a) up to the $6,000 combined total of Qualifying Purchases made at Participating Merchants or (b) through the first 12 months after account opening, whichever comes first. After you have fully utilized the additional 3% benefit either by (a) spending up to the $6,000 combined total of gas and grocery Qualifying Purchases made at Participating Merchants or (b) reaching the end of the first 12 months after account opening, whichever comes first, you can then earn the unlimited 2% Cash Rewards Benefit. The 5% Cash Rewards Benefit is only available during the first 12 months after account opening. Participating Merchants are determined by the associated merchant category code (“MCC”) used by each merchant. Purchases made at merchants that do not process transactions under an eligible MCC will not qualify for the additional 1% or 3% bonus reward rate.
4 Qualifying Purchase(s) - new net retail purchases (minus credits/returns/adjustments) at participating merchants based on merchant category codes. Non-purchase items do not qualify for Cash Back. See additional terms and conditions when you apply.
5 2% Cash Back Benefit: You will earn an unlimited additional 1% in Cash Rewards (2% Cash Rewards total) at Participating Merchants (gas and grocery stores), on Qualifying Purchases made with the Card..
6 1% Cash Back Benefit: You can earn cash back of 1% on new Qualifying Purchases on your Card, if your Card Account is in Good Standing, with no restriction on the amount of cash back that you may earn or redeem.
7 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your Card Account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10%, 25%, or 50% if you redeem through an ACH deposit into a SunTrust deposit account. See Program Agreement for details and tier levels as follows:
For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.
Please call us if you have additional questions. You can reach our Client Services Department at 800.634.7928, 8 a.m. to 8 p.m., Monday through Friday and 9 a.m. to 3 p.m., ET, on Saturday.
When it comes to purchasing a new home, more than half of homeowners say the opinion of their child was a factor in their home buying decision.
Use this mortgage refinance calculator to compare your existing monthly mortgage payment with a refinanced loan.
See what your monthly mortgage payments might be based on your loan amount, down payment, length of loan and interest rate.
With a home equity line of credit (HELOC), you can borrow money against the available equity in your home to pay for large expenses. Use this calculator to get an idea of how much credit you could qualify for.
Compare your monthly mortgage payments for a fixed-rate and adjustable-rate mortgage (ARM) loan.
Investment and Insurance Products:
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Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank, and loans are made by SunTrust Bank.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.
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