Our Clients Are Covered with FDIC Insurance
At SunTrust, we understand the importance of listening to our clients and answering questions you may have about the security of your accounts. We want to assure you that SunTrust is a solid banking partner you can depend on and your deposits and accounts are secure. Providing even more confidence to our clients is the Federal Deposit Insurance Corporation, or FDIC.

SunTrust Bank is a member of the FDIC. A depositor of SunTrust Bank can have FDIC insurance coverage for at least $250,000 for funds in their accounts in their own name, another $250,000 for their share of funds in joint accounts, another $250,000 for funds in their IRA, and if they have irrevocable trust accounts such as those with beneficiaries those funds would be insured for $250,000 per beneficiary up to 5 beneficiaries. In addition, any funds held in non-interest bearing transaction accounts will have unlimited FDIC coverage from December 31, 2010 through December 31, 2012.
 
Below are some common questions about the FDIC:
1. What does ?Member FDIC? mean?
SunTrust Bank is a member of the Federal Deposit Insurance Corporation (FDIC), an independent agency of the federal government that insures bank deposits. The FDIC protects depositors against the loss of their insured deposits if a member bank or savings association fails.

 
2. What are the various account ownership categories that each have coverage for at least $250,000?
Deposits held at FDIC-insured institutions are insured up to at least $250,000 per depositor for several account ownership categories. The principal and any accrued interest through the date of the insured bank?s closing are insured in each account ownership category. The deposit account ownership categories for individuals are funds held in accounts in the individual?s name only, the individual?s share of funds held in joint accounts, their funds in their Individual Retirement Accounts (IRAs) and their share of funds in revocable trust accounts for each beneficiary up to five beneficiaries.
 
3. What are the facts regarding the unlimited FDIC insurance coverage in 2011 and 2012 for noninterest bearing transaction accounts?
All funds held in non-interest bearing transaction accounts will have unlimited FDIC coverage from December 31, 2010 through December 31, 2012. The unlimited coverage is for the traditional checking accounts on which the bank pays no interest and includes Interest on Lawyers Trust Accounts (IOLTAs).

The unlimited coverage for 2011 and 2012 does not apply to the funds in interest bearing checking, savings and money market deposit accounts but they are covered by at least $250,000 for the various account ownership categories.
 
4. What does the FDIC insure?
FDIC insures all types of deposits received by SunTrust in its usual course of business, including:
Deposit Accounts
Savings Accounts, Checking Accounts, NOW Accounts, Christmas Club Accounts, Time Deposits (including certificates of deposit, or ?CDs?)
Other Services (when drawn on the institution)
Cashiers? Checks, Official Checks, Expense Checks, Loan Disbursement Checks, Interest Checks, Outstanding Drafts Negotiable Instruments, Money Orders
Primary Liable Item (when issued in exchange for money)
Certified Checks, Letters of Credit, Travelers? Checks
 
5. What is not insured by the FDIC?
The FDIC does not insure the money invested in stocks, bonds, mutual funds, insurance products such as automobile and life insurance, annuities, or municipal securities, even if you purchased these products from an insured bank.
 
6. What should I do if I still have questions about FDIC insurance coverage and how it works?
You can click here to find out more about FDIC insurance and to estimate coverage on your deposits. You can also stop by any SunTrust branch or speak with a SunTrust representative at 800.473.4462.
 
 
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Securities and Insurance Products and Services:
Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value
Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products are provided by SunTrust Bank,
a member of the FDIC. Securities, Insurance and other investment products and services are provided by SunTrust Investment Services, Inc.,
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