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 SunTrust Advantage Checking account including:

  • Interest on your checking balances1
  • Ability to link up to four Essential Checking2 accounts with the monthly maintenance fee waived, to help you manage your money
  • Receive a complimentary 100-pack of SunTrust custom checks or 50% off any check style available3
  • $25 discount on annual rental fee of a Safe Deposit Box (any size)4
  • No fee for three non-SunTrust ATM transactions per statement cycles5
  • 50% Loyalty Cash Bonus with a 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
  • 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 SunTrust 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; 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.

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

3 Check offer applies to first-time orders only. The 50% off discount applies to any personal wallet/duplicate check style or personal deposit tickets.

4 Advantage Checking clients are eligible to receive a $25 discount on the annual rental fee of any size Safe Deposit Box.

5 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.

6 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 Loyalty Cash 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% Loyalty Cash Bonus. 
  • Clients with a SunTrust Advantage Checking, Signature Advantage Checking, or Exclusive Checking account and meeting one of the following  Combined Consumer Deposits and Investment Balances will earn a Loyalty Cash Bonus of:
  • 25% Loyalty Cash Bonus if balances total between $25,000 and $100,000,
  • 50% Loyalty Cash Bonus if balances total greater than $100,000.
  • SunTrust Premier Program or Private Wealth Management clients will receive a 50% Loyalty Cash Bonus. See suntrust.com/premier for details on advisory service levels.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 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 – A Division of SunTrust Bank.

* 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

  • Support

  • 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