SunTrust Bank Home SunTrust Bank Home

It’s not uncommon to occasionally get caught short of money in your account. When that happens, it’s helpful to have a backup plan. SunTrust offers overdraft services to make sure funds are available when you need them. You can add Overdraft Coverage, Overdraft Protection or both services to your consumer deposit accounts.

The Facts About Banking is a comprehensive site to help you better understand how to manage your account to avoid fees.

Overdraft Coverage

How it works: Overdraft Coverage allows you to make an everyday debit card transaction or ATM withdrawal even when your available balance is not sufficient to cover the transaction. FAQs

Overdraft Fees: You may be charged up to $36 for each overdrawn item. However, if you deposit or transfer enough funds to bring your balance positive by cut-off that day, you will not incur any fees. SunTrust will waive the overdraft/returned item fees on transactions that are less than $5. SunTrust limits total Overdraft and Returned Item fees to 6 per day.

SunTrust pays overdrafts at its discretion, which means we can’t guarantee that we will always cover every transaction.

Get started: Enrollment in this service is optional and can be done through Online Banking.

Overdraft Protection

How it works:  Overdraft Protection links your consumer deposit accounts to your other SunTrust deposit, credit card, or line of credit accounts - automatically transferring the necessary funds to cover any shortfalls on the day the overdraft occurs.1

Overdraft Fees: As long as you have sufficient funds in your linked account, you'll pay a $12.50 transfer fee for each day a transfer is required.

Get started: Enrollment in this service is optional and can be done by calling 800.SUNTRUST or at your local branch.

Overdraft AssuranceSM

How it works: Overdraft Assurance is a type of Overdraft Protection and is a $500-$5,000 line of credit2 designed to cover overdrafts for any of your personal checking accounts. Money is automatically transferred from your Overdraft Assurance line of credit into your linked checking account to avoid going into overdraft. FAQs

Overdraft Fees: There is a $7 monthly charge assessed to your designated checking account for maintaining this line of credit - regardless of how little or much you use it. There is no overdraft transfer fee3, and if the funds are repaid back to your Overdraft Assurance account before the 4th calendar day, no interest is charged.

Get started: Enrollment in this service is optional and can be done by calling 800.SUNTRUST or at your local branch.


1 Overdraft Protection Service is not available for all SunTrust products or product service areas. The $12.50 transfer fee for the deposit accounts, Access 3, consumer credit card and the personal or executive line of credit are charged to the protected deposit account. All advances are subject to funds availability. See your SunTrust representative for details.

2 Overdraft Assurance is subject to credit approval, and if approved, transfers will be made up to your available credit limit.

3 A $7 monthly fee will be assessed to your designated checking account in order to maintain access to the Overdraft Assurance line of credit. If funds are not repaid back to the Overdraft Assurance account before the 4th calendar day after the date advances are posted to your credit line, interest will begin to accrue. APRs are fixed and standard APRs could range from 13% to 16% APR. Exclusions and limitations apply.

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