Private Banking Benefits & Features | SunTrust Premier Program

Premier Program Features & Benefits

Exceptional banking plus a whole lot more.

When you become a Premier client, you’ll enjoy a host of special benefits associated with our Signature Advantage® premium checking account including:

  • Interest on your checking balances1
  • Monthly maintenance fees waived (on up to 4 separate accounts)2
  • Unlimited free personalized checks3
  • No fee complimentary small safe deposit box4
  • Unlimited non-SunTrust ATM transaction fee refunds5
  • 50% cash deposit bonus with the SunTrust Cash Rewards Credit Card (when you redeem your cash back into a SunTrust deposit account)6
  • An optional low annual fee Delta SkyMiles World Debit Card*

Additional benefits available only to SunTrust Premier Program members:

  • Interest rate reductions on consumer loans and lines of credit7
  • Priority loan processing, approvals and closings
  • Preferred lines of credit and brokerage-secured lines
  • A discount on mortgage closing costs for your purchase or refinance
  • Up to 89.99% financing for loans up to $1 million without Private Mortgage Insurance (PMI). Higher loan amounts are available
  • A customized financial strategy
  • An objective financial plan review
  • Reduced annual fees on SunTrust Investment Services brokerage IRAs
  • Special access to market updates from SunTrust economic and investment experts
  • Online access to an extensive library of market intelligence and analysis
  • Special direct access to a live person by phone
  • Premium 24/7 online access
  • Detailed monthly summary statements
  • Electronic external funds transfers

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 5/1/2017. 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 Any personal wallet/duplicate check style or personal deposit tickets included.

4 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.

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

6 Cash Deposit Bonus: After close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, SunTrust will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Rewards for cash back through (1) a statement credit to your Card Account or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account will receive a Cash Deposit Bonus of 50% on redemption, depending on your deposit relationship with SunTrust as of the last day of the month preceding redemption, or if you redeem in the first few days of the month, the last day of two months’ prior to redemption (see Program Agreement for details), as follows: Clients in the SunTrust Premier Program will receive a Cash Deposit Bonus of 50%. On $100 in base Cash Rewards, these clients would earn an additional $50, totaling $150 in Cash Rewards earnings.

7 0.50% interest rate reduction off the standard rate of a consumer loan or line of credit if you are enrolled in the SunTrust Premier Program. For the SunTrust Equity Line, this interest rate reduction does not apply to the promotional rate advances, Fixed Rate/Fixed Term advances, or during the Repayment Period. All loan and line discount offers are subject to change. Offer for new and refinanced consumer loans and lines of credit, as well as for credit line increases. Premier Program interest rate reductions are not available on existing consumer loans or lines of credit and may not be applicable for all products. Consult your banker for details.

8 Premier Mortgage requires minimum $100,000 in liquid assets (please note: 60% of certain investments accounts including vested 401K funds and 529 Savings Plans can be used to meet this requirement.) . Loans up to $1 million require $150,000 per year in income; loans over $1 million require $250,000 in income. This product is available only in the following states: AL, AR, DE, FL, GA, MD, MS, NC, NJ, PA, SC, TN, VA, DC and WV. Residential mortgages are provided by SunTrust Mortgage, Inc.

* The Delta SkyMiles Debit Cards are issued by SunTrust Banks, Inc. and are available in AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, WV and Washington D.C. Delta SkyMiles Debit Cards opened by members with a primary residence outside of the States listed above are subject to immediate closure, and any earned miles will be revoked. Delta and SkyMiles are registered marks of Delta Air Lines, Inc.

Personal Banking Resource Center

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  • Wires

      For more details about Wire Transfers with SunTrust, call 800.947.3786

       

      SunTrust incoming wire instructions:

       

      • For domestic incoming wires, use Routing ABA: 061000104
      • For international incoming wires, 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

Investment and Insurance Products:

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