Signature Advantage®

Signature Advantage Checking Accounts feature:

  • icon dollar bills, money for checking balances Earn Interest on Checking Balances1
  • icon dollar bills atm deposit withdrawal Unlimited Non-SunTrust ATM Transaction Fee Refunds3
  • icon of paper receipt with dollar sign Three free Overdraft/Returned Item fees per rolling 12 months7

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

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Read the Account Overview Guide

Read our guide to learn our exclusive advantages.

DISCLAIMERS

1 Signature Advantage Checking: Minimum opening deposit is $100. The Interest Tier earned is based on the following ledger balance tiers: Tier 1 – $9,999.99 or less; Tier 2 – $10,000 to $24,999.99; Tier 3 – $25,000 to $49,999.99; Tier 4 – $50,000 to $99,999.99; Tier 5 – $100,000 to $249,999.99; Tier 6 – $250,000 to $499,999.99; Tier 7 – $500,000 to $999,999.99; Tier 8 – $1,000,000 to $1,999,999.99; Tier 9 – $2,000,000 or more. For Signature Advantage checking, the Annual Percentage Yield (APY) is currently 0.01% for Tiers 1-9 and the minimum account balance to obtain APY is $0.01. Signature Advantage Brokerage: The Interest Tier earned is based on the following ledger balance tiers: Tier 1 – $9,999.99 or less; Tier 2 – $10,000 to $24,999.99; Tier 3 – $25,000 to $49,999.99; Tier 4 – $50,000 to $99,999.99; Tier 5 – $100,000 to $249,999.99; Tier 6 – $250,000 to $499,999.99; Tier 7 – $500,000 to $999,999.99; Tier 8 – $1,000,000 to $1,999,999.99; Tier 9 – $2,000,000 or more. For Signature Advantage Brokerage the APYs are as follows: Tier 1 – 0.01% APY; Tier 2 – 0.03% APY; Tiers 3-9 – 0.05% APY 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 3/20/17. Fees may reduce your earnings. See fee information in the Fee Schedule.

2 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Signature Advantage.

3 SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived and all ATM surcharge fees will be refunded for Signature Advantage accounts.

4 Any personal wallet/duplicate check style or personal deposit tickets included.

5 For clients with Signature Advantage accounts and $100,000 or more in combined consumer deposits and investment balances as of the last business day of the prior month, a reduced annual fee of $25 will apply. For clients of the SunTrust Premier Program, a reduced fee of $25 will apply. For SunTrust Private Wealth Management Clients, the annual fee will be discounted to $0. For cards opened before July 25, 2015 and not associated with a Signature Advantage account, the annual fee is $95. The reduced annual fee for certain client segments applies regardless of deposit account type. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date.

6 Signature Advantage clients are eligible to have the fee waived for a small Safe Deposit Box or receive a $45 discount on the annual rental fee of any larger size safe deposit box.

7 Overdraft and returned-item fees waived three per rolling 12 months.

8 Total Deposits: The sum of balances in the Signature Advantage Banking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), Trust accounts, IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc.

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

10 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.

11 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.

12
 Mobile Deposit: SunTrust Mobile Deposit is available with iOS and Android Mobile Apps - only for use in the United States and its territories.

13 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 www.mastercard.us/zero-liability.html for details.

14 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.

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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