Advantage Checking

SunTrust and BB&T are now Truist

Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Learn More

Advantage Checking offers three tiers of benefits. The more you grow with us, the more you’ll receive.

  • Advantage

    Minimum Balance$0 to $25,000

    Credit Card Loyalty Cash Bonus110%

    Delta SkyMiles Debit Card Fee2$95

  • Advantage Choice

    Minimum Balance$25,000-$100,000

    Credit Card Loyalty Cash Bonus125%

    Delta SkyMiles Debit Card Fee2$75(Savings of $20)

  • Advantage Preferred

    Minimum Balance$100,000+

    Credit Card Loyalty Cash Bonus150%

    Delta SkyMiles Debit Card Fee2$25(Savings of $70)

How to qualify for $0 maintenance fee:

  • Make
  • $3,000
  • or more in total monthly qualifying Direct Deposits3
  • OR
  • Maintain
  • $10,000
  • total combined relationship balances linked across deposits and investments3
  • OR
  • Hold a linked SunTrust Small Business checking account, Lending account or Credit Card solution3

Otherwise, the monthly maintenance fee is $20

Advantage Checking accounts feature:

  • icon dollar bills, money for checking balances Interest earned on your checking balance4
  • icon checks Up to four Essential Checking accounts5 to help you designate money toward your goals
  • icon atm no fee No fee for three non-SunTrust ATM transactions per statement cycle6

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

Advantage Checking Product BrochureLink opens a new window

View the details on why Advantage Checking could be right for you.

Advantage Checking Account Overview GuideLink opens a new window

View a summary of your account and all its advantages.


1 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your Card Account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Cash Deposit Bonus of 10%, 25%, or 50% if you redeem through an ACH deposit into a SunTrust deposit account. See Program Agreement for details and tier levels as follows:

  • Clients who redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account will receive a 10% Cash Deposit Bonus.
  • Clients with a SunTrust Advantage Checking, Signature Checking, or Exclusive Checking account and meeting one of the following Combined Consumer Deposits and Investment Balances will earn a Cash Deposit Bonus of:
    • 25% Cash Deposit Bonus if balances total between $25,000 and $100,000,
    • 50% Cash Deposit Bonus if balances total greater than $100,000.
  • SunTrust Premier Program or Private Wealth Management clients will receive a 50% Cash Deposit Bonus. See for details on advisory service levels. For example, a 10% Cash Deposit Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 The Delta SkyMiles World Debit Card Annual Fee is charged 45 days after the open date of the card and is based on the Sum of Balances on the last business day of the prior month. “Sum of Balances” includes total deposits in the Signature Advantage or SunTrust Advantage Checking accounts PLUS statement linked SunTrust deposit accounts (checking, savings, money market, or CDs), Trust accounts and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. Annual Fee tiers are defined as follows: a) Sum of Balances of less than $25,000 is charged an annual fee of $95 b) Sum of Balances of $25,000 and less than $100,000 is charged an annual fee of $75 and c) Sum of Balances of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For clients of the SunTrust Premier Program, a reduced fee of $25 will apply. For SunTrust Private Wealth Management Clients & SunTrust Exclusive Checking Account holders, 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.

3 Any maintenance fees will be assessed on the following month’s statement unless at least one of the following criteria is met:

  • Have a qualifying Direct Deposit, which is an electronic credit to your account of your salary, pension, Social Security or regular monthly income totaling $3,000 or more deposited to your account during the prior month by your employer or an outside agency.  Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
  • Hold a total relationship balance of $10,000, which is the sum of balances on the last business day of the month in the Advantage Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc.
  • Link a personal SunTrust Credit Card, Mortgage, or Loan (Including loans done through LightStream). Link an eligible Small Business account which includes, Total Business Banking, Select Business Banking, Business Interest Checking, Business Advantage Plus, Simple Business Checking & Primary Business Checking.

4 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; Tier9 – $2,000,000 or more. For 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.

Fees may reduce earnings. Please see fee information in the Fee Schedule.

5 Up to four additional Essential Checking accounts are available with no Monthly Maintenance Fee when linked to an Advantage Checking account.

6 Up to three SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived and three ATM surcharge fees will be refunded for Advantage Checking accounts per statement cycle.

7 There are no fees for incoming Domestic and incoming International wires for Advantage Checking accounts. However, Intermediary financial institutions may deduct fees from incoming international wires, reducing the amount of proceeds credited to your account. Fees may vary. For more information about these fees, please contact us at 800.786.8787.

8 Advantage Checking clients are eligible to receive a $25 discount on the annual rental fee of any size Safe Deposit Box. Boxes and box size are subject to availability.

Delta SkyMiles® World Debit Card

Make the most of your new Advantage Checking account and earn miles on everyday purchases, too.

Earn even more Advantage rewards.

Add an Advantage Money Market Savings account to keep growing your benefits. The more you put into Advantage Banking, the more rewards you’ll get out.


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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