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Take charge of money management.

Balanced Banking makes it easy to stay in control of your spending. Having a safe banking account can help you avoid the risk of overdrafts that can happen when using your debit card by simply having the transaction declined when there aren’t enough funds in your account. And in the event that an error occurs when writing a check, you’ll receive a reduced returned item fee—$20, instead of the standard $36 fee1.

You can also waive the monthly maintenance fee2 by maintaining $3,000 in linked SunTrust deposits3.

Plus, enjoy great account features that help give you more control:

For more information, please see the Account Fact Sheet and Fee Schedule.


1 In instances where your account becomes overdrawn, you will not be assessed an overdraft fee. Items may be returned for non-sufficient funds (NSF) in the account and the returned item fee will be reduced to $20, instead of the standard $36.

2 See fee information in the Fee Schedule.

3 Linked personal deposits include checking, savings, money markets, CDs (excluding SunTrust Index Linked CDs [SILCs]) and IRAs (excluding SunTrust Investment Services, Inc. IRAs).

4 No fees for SunTrust ATM use. Fees apply for ATM-printed statements or mini-statements.

5 SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-SunTrust accounts.

6 SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply. A SunTrust Online Banking account is required to enroll in any of the Mobile and Tablet Banking services.

7 SunTrust Mobile Deposit is available for iPhone and Android Mobile Apps and iPad and Android Tablet Apps – only for use in the United States and its territories.

8 Zero Liability protection does not apply to ATM transactions or to PIN transactions not processed by MasterCard, or certain commercial card transactions. You must notify us promptly of any unauthorized use.

©2015 MasterCard. MasterCard and the MasterCard Brand Marks are registered trademarks of MasterCard International Incorporated.

Add a savings account.

Essential Savings makes it easy to start saving. Plus, avoid fees when you go paperless.

Resource Center

  • For more details about Wire Transfers with SunTrust, call 1.800.947.3786 - options 1 & 4

    SunTrust Incoming wire instructions:

    • For Domestic incoming wire use Routing ABA: 061000104
    • For International incoming wire use SWIFT/BIC: SNTRUS3A
    • Beneficiary account number: SunTrust full account number
    • Beneficiary name: The name as it appears on the SunTrust account

    SunTrust Incoming wire instructions are also available by calling 1.800.947.3786 - options 1 & 1