Essential Checking Account

Essential Checking Accounts feature:

  • No-fee Online Banking with Bill Pay No-fee Online Banking with Bill Pay6
  • No-fee Mobile Banking with Mobile Deposit No-fee Mobile Banking with Mobile Deposit7
  • No-fee access to over 2,000 SunTrust ATMs and 1,300 Branches No-fee access to over 2,000 SunTrust ATMs and 1,300 Branches5

How to qualify for $0 maintenance fee:

  • 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

Otherwise, the monthly maintenance fee is $7

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

Read our Product Brochure to learn more

Learn how to make your money go further.

Read the Account Overview Guide

Read our guide to learn how to control your finances.

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. If you do not already have a data plan with your wireless service provider, normal data rates will apply for each device used.

8 Mobile Deposit: SunTrust Mobile Deposit is available with iOS and Android Mobile Apps - 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®.

©2018 Mastercard. Mastercard and the Mastercard Brand Marks are registered trademarks of Mastercard International Incorporated.

Add a savings account.

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  • 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