Personal Savings Accounts | SunTrust Personal Banking

Personal Savings Accounts

Let us help you achieve your goals.

Saving is different for everyone. It’s personal. Some save for a long-planned dream, while others just want to ensure they’re set for the unexpected that could be just around the corner. But no matter what you’re saving for, when you have a plan, you can feel confident knowing you’re ready for anything.

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Bank with us online or visit any of our branch locations in the Southeast - AL, AR, DC, FL, GA, MD, MS, NC, SC, TN, VA and WV

DISCLAIMERS

1 Clients earn an annual 1% bonus, up to $25. Bonus is calculated on the 12–month average ledger balance of the Select Savings account. Bonus will be credited to the Select Savings account on the anniversary of the Select Savings account open date when the Select Savings account is linked with a Select Checking or Signature Advantage® account. To receive the bonus, Select Savings and Select Checking or Signature Advantage® accounts must be open and in good standing on the date that the bonus is paid. Fees may reduce earnings on the account. Select Savings is limited to one account per client. The interest rate and annual percentage yield for this account is 0.01%, applicable to all balances and is accurate as of .

2 Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail. If a client does not select the option to opt out of paper statements in Online Banking a paper statement fee will be charged. Online Banking is required to access paperless online statements. 

3 The use of all savings and money market accounts for overdraft protection will result in a transfer fee of $12.50 per transfer, charged to the protected deposit account. All advances are subject to funds availability. Overdraft Protection Service is not available for all SunTrust products or product service areas. See your SunTrust representative for details.

Excessive Withdrawal Fees
4 The excessive withdrawal fee applies, regardless of the balance, to transactions such as debit card transactions, checks, electronic transactions (ACH), automatic payments, Bill Payments, Overdraft Protection transfers, Online and Mobile/tablet deposit account transfers, and wire transfers.

5 For savings accounts, an excessive withdrawal fee of $6 is assessed regardless of balance, for each excessive withdrawal if more than six withdrawal transactions are paid during the monthly statement cycle or a calendar month for quarterly statements with a maximum of 6. Applicable fees are assessed at the time of withdrawal. Please see Fee Schedule for further details.

6 For Signature Money Market Savings accounts, an excessive withdrawal fee of $15 is assessed regardless of balance, for each excessive withdrawal if more than six pre-authorized, telephone funds transfers or third party transactions are paid during the statement cycle with a maximum of 6. Applicable fees assessed at the time of the withdrawal. Fee Schedule for further details.

Withdrawal Transaction Limitations. Savings and money market accounts are governed by federal regulations, which limit the number of certain types of transactions. From your savings or money market accounts, you are limited to six preauthorized, telephone or on-line transfers to your other SunTrust Bank accounts or to third parties. Additionally, this limitation includes checks, drafts, or similar orders you make payable to a third party. The limitation applies per statement cycle for monthly statements or calendar month for quarterly statements. Due to IRS regulations, these transfer options are not available for money market IRAs. In determining when a transfer is made, the bank will use the date the transfer is paid. If you routinely exceed these withdrawal limitations on your savings or money market accounts, the bank may close the account or convert the account to a checking account. The foregoing limitations do not apply to withdrawals made by you or transfers to other accounts, which you have with us when these transfers are made by messenger, in person or through ATMs. The federal regulatory limit applies regardless of account balance.

At the Bank's discretion, rates and yields are subject to change without notice after the account is opened. Interest is calculated and compounded daily on the collected balance in your account and credited to your account quarterly. Fees may reduce earnings.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NON-INTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest-bearing transaction account (including an Interest on Lawyer Trust Account) will no longer receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

Savings Resource Center

  • New Accounts

  • Support

  • 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

       

Investment and Insurance Products:

Are Not FDIC or any other Government Agency Insured   Are Not Bank Guaranteed  May Lose Value 

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