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Mortgage Payment Options

At SunTrust Mortgage, we have created several convenient avenues for handling your payments. The list below highlights the different ways you can make your monthly mortgage payment.

Set up Recurring Payments (SurePaySM)

How it works:

  • Authorize a recurring monthly debit1 from your bank account.
  • To use this service: You can Logon to Your Account to sign up or complete and return the form on the back of your monthly statement, or click here to fill out the form to set up recurring payments.
  • Cost: Free (sign up today)

The Bi-Weekly® Mortgage Payment Plan*

How it works:

  • Pay half of your monthly mortgage payment every two weeks (set up automatic debit).1
  • Go from 12 full mortgage payments to 26 half payments in most years, which means you make the equivalent of one full extra mortgage payment per year.
  • Your two extra half payments go straight to principal.
  • Build equity in your home faster and pay off your home sooner.2

* Bi-Weekly payments are collected in the month prior to when they are applied to your monthly payment due. To avoid a gap in your payment history as you transition to the payment structure of The Bi-Weekly® Mortgage Payment Plan, during your first month of enrollment, you will pay both your regular monthly payment plus Bi-Weekly half payments. If this additional payment at enrollment is not possible, SunTrust Mortgage offers our SurePay automated payment program that may allow you to accomplish a similar goal. Additional information about SurePay can be found at or by calling us at 800.634.7928, Monday through Friday 8 a.m. to 8 p.m. and Saturday 9 a.m. to 3 p.m. ET.

Make a one-Time Payment

How it works:

  • You can add additional principal and escrow to your payment in 3 easy steps: enter your payment details, bank account
  • You can submit one payment per effective date. If more than one payment is submitted for the same effective date, only the last payment submitted will be accepted.
  • Additional payments to principal will not be allowed if your account is not current.

If you have additional questions about the One-Time Payment option, call us at 800.634.7928, Monday through Friday 8 a.m. to 8 p.m. and Saturday 9 a.m. to 3 p.m. ET

SunTrust Bank Online Bill Pay

SunTrust checking customers only

How it works:

  • You have 24-hour access to your SunTrust account(s) from which you can pay all your bills electronically.
  • To use this service: Go to to sign up for SunTrust Online Banking and Bill Pay.
  • Cost: Free

U.S. Mail Postal Service

How it works:

  • Pay via check and include the coupon from your monthly billing statement.
  • To use this service: Mail to the billing address on your monthly statement by the due date.
  • Cost: First Class Stamp


1Sufficient funds must be in your bank account at time of automatic debit.

2Benefit to the consumer in the form of building equity is through extra payments applied to principal only. Equity gains assume property values remain stable. The number of months of early repayment achieved by enrolling in this program depends on the overall length of time remaining on your mortgage term, with longer remaining terms generating greater benefit. Consult with a professional financial advisor when considering switching to a bi-weekly mortgage payment schedule.

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