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Advantage Checking Best Match
Get rewarded for financial growth with perks and rewards.
- Earn interest on checking balances
- No fee for up to three non-SunTrust ATM transactions per statement cycle1
- Up to four Essential Checking accounts with the Monthly Maintenance Fees waived2
- 10%, 25% or 50% Loyalty Cash Bonus with a SunTrust Rewards Credit Card, depending on qualifying tier3
- Optional Delta SkyMiles® World Debit Card with an annual fee as low $254
- Free money orders and official checks.
Avoid the $20 Monthly Maintenance Fee by:
- Making $3,000 or more in total monthly qualifying Direct Deposits5 OR
- Maintaining $10,000 total combined relationship balances linked across deposits and investments6 OR
- Having a linked personal SunTrust credit card, mortgage or loan7 OR
- Linking a Small Business checking account8
1 Up to 3 SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived, and 3 ATM surcharge fees will be refunded for Advantage Checking accounts per statement cycle.
2 Up to 4 additional Essential Checking accounts are available with no Monthly Maintenance Fee when linked to Advantage Checking account.
3 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:
- Clients who redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account will receive a 10% Loyalty Cash Bonus.
Clients with a SunTrust Advantage Checking, Signature Advantage Checking, or Exclusive Checking account and meeting one of the following Combined Consumer Deposits and Investment Balances will earn a Loyalty Cash Bonus of:
- 25% Loyalty Cash Bonus if balances total between $25,000 and $100,000,
- 50% Loyalty Cash Bonus if balances total greater than $100,000.
- SunTrust Premier Program or Private Wealth Management clients will receive a 50% Loyalty Cash Bonus. See suntrust.com/premier for details on advisory service levels.
For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.
4 The Delta SkyMiles World Debit Card Annual Fee is charged 45 days after the open date of the card and is based on the Sum of Balances on the last business day of the prior month. Annual Fee tiers are defined as follows: a) Sum of Balances of less than $25,000 is charged an annual fee of $95 b) Sum of Balances of $25,000 and less than $100,000 is charged an annual fee of $75 and c) Sum of Balances of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For clients of the SunTrust Premier Program, a reduced fee of $25 will apply. For SunTrust Private Wealth Management Clients & SunTrust Exclusive Checking Account holders, the annual fee will be discounted to $0. For cards opened before July 25, 2015 and not associated with a Signature Advantage account, the annual fee is $95. The reduced annual fee for certain client segments applies regardless of deposit account type. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date.
5 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $3,000 or more deposited to your account during the prior month by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit. Any maintenance fees will be assessed on the following month's statement.
6 Total Relationship Balance: The sum of balances on the last business day of the month in the Advantage Checking account PLUS statement-linked SunTrust deposit accounts (savings, checking, money market or CDs), and IRA or brokerage accounts introduced through SunTrust Investment Services, Inc.
7 Link a personal SunTrust credit card, mortgage or loan (Including loans done through LightStream).
8 Link an eligible Small Business account which includes, Total Business Banking, Select Business Banking, Business Interest Checking, Business Advantage Plus, Simple Business Checking or Primary Business Checking.
Gain control over your money as you take the first steps toward financial confidence.
- Starter pack of 10 checks or 50% off 1st check order (any style checks)
- Get a Loyalty Cash Bonus of 10% with a SunTrust Rewards Credit Card when you redeem your cash back directly into a SunTrust deposit account. 1
Avoid the $7 monthly maintenance fee with: Minimum of 10 banking transactions per statement cycle 2 OR $500 or more in total qualifying Direct Deposits 3 per statement cycleOR $500 minimum daily collected balance OR Open as a student and receive a 5 year Student Waiver 4
Tip: Pair with an Essential Savings account for more great benefits.
1 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% if you redeem through an ACH deposit into a SunTrust deposit account. For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.
2 Banking Transactions include: Deposit and withdrawal transactions made (includes transactions such as those made with the assistance of a teller, at an ATM or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, Zelle® transfer, ACH debit or credit, online bill pay, mobile bill pay, check, or debit card purchases including PIN Point of Sale (POS) and signature-based purchases). These transactions must be posted to your account during the statement cycle. Bank fees and overdraft protection transfers are not included.
3 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $500 or more deposited to your account during the current statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.
4 Student Waiver: The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to 5 years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools. Proof of active enrollment in a qualifying educational institution is required. The Student Waiver is applied automatically at account opening and based on Account Opening Date. The Student Waiver cannot be applied/added-on to a checking account once it is opened.