Essential Checking Account

Avoid fees and bank easy.

Take advantage of all the benefits that come with banking at SunTrust and easily avoid fees with Essential Checking1. With a selection of helpful account features and multiple ways to avoid monthly fees, it's never been easier to take control of your finances with a SunTrust checking account.

If you are a student, a SunTrust Essential Checking account provides great benefits. Click here to learn more.

Avoiding the $7 monthly maintenance fee is simple.

  • Make
  • 10
  • or more client-initiated transactions per statement cycle2
  • OR
  • Make
  • $500
  • or more in total qualifying monthly Direct Deposits3 per statement cycle
  • OR
  • Keep a
  • $500
  • minimum daily collected balance
  • OR
  • Open as a student and receive a
  • 5
  • year Student waiver4

You can also avoid the $3 Paper Statement fee by simply changing your preferences to "paperless" via Online Banking.

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

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

DISCLAIMERS

1 Minimum Opening Deposit is $100. See fee information in the Fee Schedule.

2 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. .

3 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $500 or more deposited to your account during the prior month by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.

4 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.

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

6 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.

7 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.

8 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.

9 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.

10 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®.

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

Personal Banking Resource Center

  • New Accounts

  • Support

  • 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

       

Investment and Insurance Products:

Are Not FDIC or any other Government Agency Insured   Are Not Bank Guaranteed  May Lose Value 

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