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Maximize your potential for the most premium advantages.

For banking benefits that you won't find with any other account, there's Signature Advantage1. You’ll enjoy the most comprehensive package of features, benefits and rewards that we offer.

Premium checking account features and benefits:

  • Up to four Essential Checking accounts with the monthly maintenance fees waived2
  • Unlimited Non-SunTrust ATM Transaction Fee Refunds3
  • Earn interest on checking balances
  • Free personalized checks (unlimited)4
  • Optional Delta SkyMiles® World Debit Card: Low annual fee of $755
  • No annual fee on small Safe Deposit Box or discount on a larger box6
  • Three free Overdraft/Returned Item fees per rolling 12 months7
  • No-fee standard Popmoney person-to-person electronic payments (no-fee on standard three day delivery, $1 fee for next day delivery)
  • Unlimited no fee transfers between your SunTrust account and an account at another financial institution per rolling 30-day period
  • Avoid the $25 monthly maintenance fee with $25,000 minimum daily balance in linked deposits and investments8

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

For more information, please see the Account Fact Sheet and Fee Schedule.


1 Minimum opening deposit is $100. Signature Advantage checking: 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. 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. 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 7/25/2015. Fees may reduce your earnings.

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

3 Fees are waived for use of non-SunTrust ATMs and you receive unlimited refunds for ATM fees from other institutions.

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. (excludes annuities).

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 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. A SunTrust Online Banking account is required to enroll in any of the Mobile and Tablet Banking services.

12 SunTrust Mobile Deposit is available for iPhone and Android Mobile Apps and iPad and Android Tablet Apps – only for use in the United States and its territories.

13 Zero Liability protection does not apply to ATM transactions or to PIN transactions not processed by MasterCard, or certain commercial card transactions. You must notify us promptly of any unauthorized use.

14 All credit cards are subject to credit approval based upon your credit history and other factors. Additional terms and conditions apply, which SunTrust will provide to you when you become an enrolled program member. See the MasterCard Benefits Guide you will receive with your new card when you become a cardholder.

©2015 MasterCard. MasterCard and the MasterCard Brand Marks are registered trademarks of MasterCard International Incorporated.

Get a 25% or 50% cash back bonus*

with the SunTrust Cash Rewards Credit Card.
* based on your deposit relationship

Invest smart.

Earn our best interest rate with an opening balance of $10,000 or more.

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