Select Checking Account

Select Checking Accounts feature:

  • icon of computer with dollar sign Earn Interest on Checking Balances1
  • icon atm money deposit withdrawal No SunTrust fee for two non-SunTrust ATM transactions per statement cycle7
  • No fee Zelle® person-to-person electronic payments No fee Zelle® person-to-person electronic payments13

How to qualify for $0 maintenance fee:

  • Make
  • $2,000
  • or more in total qualifying monthly Direct Deposits2
  • OR
  • Keep a
  • $2,000
  • minimum daily Select Checking balance
  • OR
  • Maintain
  • $10,000
  • total combined relationship balances linked across deposits, investments, mortgages and loans3
  • OR
  • Hold a SunTrust Mortgage with SurePaySM4
  • OR

Otherwise, the monthly maintenance fee is $15

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

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1 Select Checking: Minimum opening deposit is $100. The Interest Tier earned is based on the following ledger balance tiers: Tier 1- $2,499.99 or less; Tier 2- $2,500 to $9,999.99; Tier 3- $10,000 to $24,999.99; Tier 4- $25,000 or more. For Select Checking, the Annual Percentage Yield (APY) is currently 0.01% for Tiers 1-4 and the minimum account balance to obtain APY is $0.01. Interest is calculated and compounded daily on the collected balance and credited to your account monthly. To the extent required by law, SunTrust Bank will report interest earned to the Internal Revenue Service. The Annual Percentage Yields are accurate as of 6/14/2018. Fees may reduce your earnings. See fee information in the Fee Schedule.

2 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $2,000 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. Any maintenance fees will be assessed on the following month's statement.

3 Total Relationship Balance: The sum of balances in the Select Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities), SunTrust consumer installment loans and lines of credit, including credit card or SunTrust mortgages.

 SunTrust Mortgage with SurePaySM: SunTrust mortgage with payment automatically deducted from SunTrust checking account using SurePay. SurePay is an automatic, recurring payment set up from your linked account. Sufficient funds must be in your bank account at the time of automatic debit.

5 Linked Small Business accounts include Total Business Checking and Business Advantage Plus only.

6 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Select Checking.

7 No SunTrust fee for two non-SunTrust ATM transactions per statement cycle. The ATM owner may charge fees. Refer to Personal Deposit Accounts Fee Schedule for additional information.

8 No fees for SunTrust ATM use. Fees apply for ATM-printed statements or mini-statements.

9 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.

10 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.

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

12 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.

13 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.

A rewarding way to save.

Select Savings is an easy way to earn while you save, with an annual bonus to help you reach your goals.

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Pay bills, initiate transfers, check balances and more, in one place, with one password.

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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