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Take charge of money management.

Balanced Banking1 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 fee.

Avoid the $12 monthly maintenance fee by maintaining a $3,000 minimum daily total deposit balance in Balanced Banking and linked checking, savings, money markets, CDs and IRAs.


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

For more information, please see the Account Overview Guide and Fee Schedule.


1 Minimum opening deposit is $100. See fee information in the Fee Schedule.

2 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.

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.

Mobile Banking: 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.

Mobile Deposit: SunTrust Mobile Deposit is available for iPhone and Android Mobile Apps and iPad App - only for use in the United States and its territories.

8 As a cardholder, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your card from loss or theft; and you promptly reported loss or theft to SunTrust. Does not apply to certain prepaid cards, or corporate cards. Certain conditions and restrictions apply. Please see for details.

©2017 Mastercard. Mastercard and the Mastercard Brand Marks are registered trademarks of Mastercard International Incorporated.

Resource Center

  • For more details about Wire Transfers with SunTrust, call 800.947.3786

    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 800.947.3786 - option 1