Advantage Checking and Money Market Accounts

Teammate Instructions for Enrolling Clients in the Offer: Enrollment in the promotion is required and must be completed in the Promotions Center using Promo Code CHKSAVQ121 and indicating the last four digits of the checking account number opened.

Terms and Conditions for the SunTrust "CHECKING & SAVINGS OFFER Q1 2021":

Offer Information: Earn up to $1,000 for opening both a new personal SunTrust checking and savings or money market (MMA) account on the same day, from 1/5/21 through 3/31/21, and meeting the following qualifications for each account.

Complete at least $500 in qualifying Direct Deposits* into the new checking account within 90 days of account opening, and
Deposit a minimum balance into the new savings or MMA, and maintain that balance through 90 days after account opening. Amount of reward available is based on the balance through day 30**.

Reward Available	Savings / Money Market Account Deposit Requirement –Balance through 30 Days of Account Opening and Maintained through 90 Days from Account Opening**
$300	Deposit and maintain $0.01 - $9,999.99
$400	Deposit and maintain at least $10,000
$600	Deposit and maintain at least $25,000
$800	Deposit and maintain at least $50,000
$1,000	Deposit and maintain at least $100,000

**Only deposits made to the new eligible savings or MMA through 30 days of account opening will be considered for qualification. The final reward amount will be based on the lowest balance tier (< $10,000, $10,000, $25,000, $50,000 or $100,000) that is maintained for 90 days after opening the new savings or MMA. Deposits made into the savings or MMA after 30 days will not be considered for the deposit requirement.

Enrollment in the promotion is required. Accounts opened without the Promo Code CHKSAVQ121 applied to the checking account at account opening will not be eligible for the promotion.

Offer Eligibility: Clients with an existing personal checking, savings, MMA, CD, or IRA deposit account with SunTrust (either as the primary or joint account holder) are not eligible. You must not have closed a personal checking, savings, MMA, CD, or IRA deposit account within 180 days of the promotion start date (on or after 7/9/20). The new checking and savings/money market accounts must be opened on the same day and with the same account ownership. CD and Individual Retirement Accounts (IRA) are not eligible for this offer. Primary account holder must be 18 or older at the time of account opening. Truist employees and/or employee-designated accounts (as the primary or joint account holder) are not eligible. Offer available only to U.S. residents with a U.S. address and a valid U.S. taxpayer identification number. The qualifying checking account must have a mailing address in the following states: Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, or the District of Columbia.

Reward Processing:
Reward will be deposited into the new SunTrust checking account within 4 weeks of verifying all qualification requirements. Promotion is only applicable once per account and per client. SunTrust may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture:
Any account not in good standing, closed, or with a balance < $0 will not receive a reward.

Other Terms:
Minimum opening deposit is $100. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. All promotional payouts will be processed no later than 12/31/21 at which point, no further disbursements will be made. For SunTrust Advantage Checking, the Annual Percentage Yield (APY) is currently 0.01% for all tiers in the fee schedule and the minimum account balance to obtain APY is $0.01. For the SunTrust Advantage Money Market Savings, the Annual Percentage Yield (APY) is currently 0.01% for Tier 1 – 9 ($0.01 - $100,000 or more). The APYs are accurate as of 1/1/21, and subject to change at any time, including after account opening. Fees may reduce earnings.

*A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

ACCOUNT OPENING & ENROLLMENT INSTRUCTIONS:

Open new personal SunTrust checking and savings or money market accounts via the "Open an Account" link on the promotional landing page to be enrolled in this offer. Promo Code CHKSAVQ121 must be applied at account opening.

Visit a SunTrust branch, or call 877.302.8258, and ask the representative to enroll you in the "Checking & Savings Offer Q1 2021", using Promo Code CHKSAVQ121, when opening your accounts.

Version 5 20201217 CHKSAVQ121

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%, 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 would earn an additional $10, totaling $110 in Cash Rewards earnings.

² 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.

³ Interest is calculated and compounded daily on the collected balance and credited to your account monthly.

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. "Sum of Balances" includes total deposits in the Signature Advantage or SunTrust Advantage Checking accounts PLUS statement linked SunTrust deposit accounts (checking, savings, money market, or CDs), Trust accounts and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. 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 No fees for SunTrust ATM use. Fees apply for ATM-printed statements or mini-statements.

⁶ Locking your card will not stop card transactions including recurring payments, Bill Pay, money transfers, returns, credits, dispute adjustments, previously authorized, off line and purchase transactions during system downtime.

⁷ Account holders must enroll into IDnotify via SunTrust channels to receive this service at no cost. Service will be cancelled for clients who no longer have any active accounts with SunTrust. Clients with Business products or services only do not qualify for IDnotify.

⁸ Mobile Banking: SunTrust does not charge a fee for the use of SunTrust Mobile Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply for each device used.

⁹ Mobile Deposit: SunTrust Mobile Deposit is available with iOS and Android Mobile Apps - only for use in the United States and its territories.

¹⁰ Any maintenance fees will be assessed on the following month's statement unless at least one of the following criteria is met:
Have a qualifying Direct Deposit, which is an electronic credit to your account of your salary, pension, Social Security or regular monthly income totaling $3,000 or more deposited to your account during the prior month by your employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
Hold a total relationship balance of $10,000, which is 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.
Link a personal SunTrust Credit Card, Mortgage, or Loan (Including loans done through LightStream). Link an eligible Small Business account which includes, Total Business Banking, Select Business Banking, Business Interest Checking, Business Advantage Plus, Simple Business Checking & Primary Business Checking.

¹¹ 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.

¹² A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or regular monthly income totaling $500 or more deposited to your account during the current statement cycle by your employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.

¹³ 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.

¹⁴ The minimum opening deposit of $100 is required for a SunTrust Advantage Money Market Savings account. Fees may reduce earnings. To the extent required by law, SunTrust will report any interest paid to the Internal Revenue Service. For additional fee and/or product information, please consult the Fee Schedule located at suntrust.com/disclosures. At the Bank’s discretion, rates and yields are subject to change without notice, including after the account is opened. Interest is calculated and compounded daily on the collected balance in your account and credited to your account monthly.

¹⁵Excessive Withdrawal Fee: The excessive withdrawal fee applies, regardless of the balance, to transactions such as debit card transactions, checks, electronic transactions (ACH), automatic payments, bill payments, Overdraft Protection transfers, wire transfers, and deposit funds transfers completed through Online or Mobile Banking.
For Advantage Money Market Savings accounts, an excessive withdrawal fee of $15 is assessed regardless of balance, for each excessive withdrawal if more than six pre-authorized, telephone funds transfers or third party transactions are paid during the statement cycle with a maximum of 6. Applicable fees assessed at the time of the withdrawal. Please see Fee Schedule at suntrust.com/feeschedule for further details.

¹⁶ Account must maintain a minimum balance of $.01 to avoid account closure. Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail; otherwise, there is a $3 monthly Paper Statement Fee. Online Banking is required to access paperless online statements. At the Bank’s discretion, rates and yields are subject to change without notice, including after the account is opened. Interest is calculated and compounded daily on the collected balance in your account and credited to your account quarterly. Fees may reduce earnings.
Excessive Withdrawal Fees: For savings accounts, an excessive withdrawal fee of $6 is assessed, regardless of balance, for each excessive withdrawal if more than six withdrawal transactions are paid during the monthly statement cycle or a calendar month for quarterly statements with a maximum of 6. Applicable fees are assessed at the time of withdrawal. Please see Fee Schedule for further details.

Security and convenience in two accounts.
Plus, earn up to $1,000. Valid for new checking and savings clients. Terms Apply.

How to earn up to $1,000

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