Essential Checking Account

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SunTrust and BB&T are now Truist

Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Learn More

Essential Checking accounts feature:

  • No-fee Online Banking with Bill Pay No-fee Online Banking with Bill Pay1
  • No-fee Mobile Banking with Mobile Deposit No-fee Mobile Banking with Mobile Deposit2,3
  • No-fee access to over 2,000 SunTrust ATMs and 1,200 Branches No-fee access to over 2,000 SunTrust ATMs and 1,200 Branches4

How to qualify for $0 maintenance fee:

  • Make
  • 10
  • or more client-initiated transactions per statement cycle5
  • OR
  • Make
  • $500
  • or more in total qualifying Direct Deposits6 per statement cycle
  • OR
  • Keep a
  • $500
  • minimum daily collected balance
  • OR
  • Open as a student and receive a
  • 5
  • year Student waiver7

Otherwise, the monthly maintenance fee is $7

For more information, please see the Product Brochure and Account Overview Guide.

Read the Account Overview GuideLink opens a new window

Read our guide to learn how to control your finances.

DISCLAIMERS

1 Online Banking: 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.

2 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.

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

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

5 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.

6  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.

7 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.

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 http://www.mastercard.us/zero-liability.html for details.

9 Must have a bank account in the U.S. to use Zelle®. Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. Transaction limitations apply.

At this time, SunTrust does not offer the option for clients to receive funds sent from an account with a financial institution that has not partnered with Zelle®.

©2018 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.

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  • New Accounts

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  • Wires

       

      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