SunTrust Deals Terms & Conditions

SunTrust Deals Program Terms

The SunTrust Deals program (“SunTrust Deals” or the “Program”) is provided pursuant to the terms and conditions set forth below in addition to other applicable SunTrust agreements or policies that may be published by SunTrust (including but not limited to SunTrust’s Privacy Policy Link opens in a new window., SunTrust’s Rules and Regulations for Deposit Accounts Link opens in a new window., and your Consumer Credit Card Agreement), as may be amended from time to time (“Program Terms”). Your participation in the Program or your acceptance, redemption, or receipt of any Deals offered or made available in connection with the Program constitutes your acceptance of and agreement to the Program Terms.

A. Definitions

The following definitions apply when these terms are used herein:

  • "Account" means any SunTrust Bank Consumer deposit or Consumer Credit Card account that is eligible, as determined by SunTrust in its discretion, to participate in the Program or to which or through which Deals are offered, made available or credited through the Program.
  • "Participating Merchant" means any seller of goods or services who offers or makes available Deals through the Program.
  • "Program" means the SunTrust Deals program, as modified or amended from time to time, whereby SunTrust Online and Mobile Banking customers may receive offers to earn cash back on purchases from Participating Merchants by using an eligible Consumer Debit Card or Consumer Credit Card to purchase goods or services from Participating Merchants. 
  • "Deals" means any cash back made available, offered, or credited to you, or accepted or received by you, through the Program.
  • "Consumer Debit Card" means any SunTrust consumer debit card product and does not include business, commercial, or corporate credit cards.
  • "Consumer Credit Card" means any SunTrust consumer credit card product and does not include business, commercial, or corporate credit cards.
  • "We", "us", "our", and "ours" means and refers to SunTrust Bank and/or, as the context may require, its agents or contractors involved in the Program.
  • "You", "your", and "yours" means and refers to any person in whose name any Account is maintained according to our records, or who uses the Account or is authorized to transact business on the Account, whether such authority is evidenced by signature cards, Consumer Credit Card Account agreements, or otherwise, and/or any person or entity that has a beneficial interest in the Account, and/or any such person’s assignee or successor in interest to the Account, and/or any person who is offered, or who redeems, earns, receives or accepts, any Deals in connection with the Program.

Other terms may be defined elsewhere in the Program Terms.

B. Redeeming SunTrust Deals

If you are a SunTrust client residing in the United States and have an eligible Consumer Debit Card or Consumer Credit Card, any Deals available to you will appear when you log in to SunTrust Online Banking or the SunTrust Mobile App.  The availability and offering of Deals to a client through the Program is within the sole discretion of SunTrust Bank, subject to any applicable law or regulation.  The types of Deals offered and number or frequency of offering Deals to clients will vary based on client-specific factors, such as account activity, and not all types of Deals will be available to all clients.  To earn cash back, visit SunTrust Deals in Online Banking or the SunTrust Mobile App and click to select Deals you would like to take advantage of at your favorite retailers. You will earn cash back when you make qualifying purchase(s) at those retailers using your eligible Consumer Debit Card or Consumer Credit Card. The cash back will be automatically credited to your account (either your SunTrust checking or as a statement credit to your SunTrust Credit Card), which could take up to 8 weeks from the date of your purchase.  We do not share individually identifiable information with merchants as part of SunTrust Deals, and we offer you the opportunity to opt out of the Program.  In the event that your Account is closed for any reason or otherwise not available for redemption of Deals you have earned, SunTrust will issue you a check for any cash back you have earned but not yet redeemed and will mail the check within 8 weeks of the qualifying purchase to the most recent primary address listed for your Account via U.S. First Class Mail.  As always, we will only use your personally identifiable information in accordance with SunTrust’s Privacy Policy Link opens in a new window..  For questions about the Program, please call 800.382.3232.

C. No Relationship to SunTrust Credit Card Rewards

The SunTrust Deals Program is separate and independent from any SunTrust Consumer Credit Card Rewards program in which you are enrolled related to your SunTrust Consumer Credit Card Account.  Any cash back earned through SunTrust Deals is not eligible for any deposit bonus or other incentives that may be available when you redeem your SunTrust Consumer Credit Card Rewards.  Deals offered through SunTrust Deals are available apart from any rewards you may earn through the SunTrust Rewards® Program for Cash Rewards and Point Rewards when making qualifying purchases with your SunTrust Consumer Credit Card.  Deals offered through the SunTrust Deals Program will not accrue in your SunTrust Consumer Credit Card Rewards account and will not be available to redeem on the SunTrust Rewards website at

The terms, conditions, and agreement for the Consumer Credit Card SunTrust Rewards® Program may be found at:    

D. Additional Terms & Conditions

This Program is offered at our sole discretion, and we have no obligation to continue the Program or to make the Program available to you.  We reserve the right to amend, cancel, change, discontinue, or suspend SunTrust Deals, in whole or in part, at any time in our discretion with or without notice to you, and any such action shall be effective as of the time we determine.  You agree that any notice or communication we elect to provide you in connection with the Program, including (without limitation) any notice of a change in terms, may be provided to you electronically, either by posting such notice at our website or by transmitting such notice, or a message as to the availability of such notice at our website, to your e-mail address.  In any event, it is your responsibility to periodically review the Program Terms at our website in order to make sure that you are aware of the most current Program Terms. 

The terms, conditions, and agreements that govern your Account and banking services used in connection with your Account remain in full force and effect, and we may apply and enforce the provisions thereof to and in the context of the Program in our discretion.  This specifically includes the SunTrust Rules and Regulations for Deposit Accounts or the SunTrust Consumer Credit Card Agreement, whichever is applicable to your Account.  You agree that the Program Terms do not modify or amend in any way the terms of your Account agreements and other banking services agreements with us, and you further agree that the payment and performance of your obligations and responsibilities under your Account agreements and other banking services agreements with us is in no way conditioned upon or subject to the availability of the Program or the performance by us or any third party, including (without limitation) any Participating Merchant, of any responsibilities to you in connection with the Program.

You will be solely responsible for any federal, state, or local taxes resulting from any Deals earned, received, or accepted by you.  In the event any Deal is subject to any fulfillment, redemption or other incidental fees or charges (including, without limitation, shipping, courier, fulfillment or certificate fees, expedites, special requests and exceptions, airline related fees, facility charges, segment fees, ticketing, taxes, customs, baggage, security, fuel surcharges, or other governmentally imposed fees, or any fees for additional travel arrangements made in conjunction with any Deal) you will be solely responsible for such fees and charges. The Program is void where prohibited by federal, state, or local law. Deals may not be valid where restricted by federal, state, or local law, and we shall have no liability to you whatsoever in the event any applicable law invalidates any Deal.

Participating Merchants are not affiliated with SunTrust Bank or any of its affiliated companies. By virtue of offering the SunTrust Deals Program, we do not make, and we hereby disclaim, any representation, warranty, or endorsement (including, without limitation, any warranty of MERCHANTABILITY or any warranty of FITNESS FOR A PARTICULAR PURPOSE) with respect to any and all Participating Merchants and any and all of their respective goods and/or services. If you have any claim against or dispute with any Participating Merchant concerning goods or services purchased from the Participating Merchant, you agree to resolve such claim or dispute directly with the Participating Merchant, you agree that we shall have no liability whatsoever arising out of such claim or dispute, and you agree not to involve us in any way in such claim or dispute, unless we are otherwise obligated to resolve the dispute under applicable law or regulation.

When redeeming Deals, please refer to the Participating Merchants’ terms and conditions related to the purchase, including but not limited to guarantees, warranties, payment terms, shipping, delivery, taxes, return policies and processing of returns.  Participating Merchants are solely responsible for the content and offerings presented on their websites.  We make no warranties and disclaim responsibility for fulfillment of the transaction between you and a Participating Merchant.  We disclaim any responsibility for the policy positions or business practices of any participating retailer.  When redeeming your Deals online, please remember that Participating Merchants operate their websites with different privacy practices.  You should review each Participating Merchant’s website privacy policy, as we have no control over information that is submitted by you to these third parties.  All returns must be made through the respective Participating Merchant.  We are not responsible for any returns, and all questions about purchases or returns should be directed to the retailer, unless we are otherwise obligated to resolve the issue as a billing dispute under applicable law or regulation.  Unaccepted, inactivated, or unredeemed Deals may be withdrawn at any time by Participating Merchants, and Deals may not necessarily be repeated or re-offered by Participating Merchants, notwithstanding any conduct or purchasing activity on your part. Participating Merchants are subject to change at any time and from time to time. If your Account is closed for any reason prior to the crediting of any earned Deals to your Account, such Deal will be forfeited in its entirety, and neither we nor the Participating Merchant shall have any liability to you as a result thereof.

You acknowledge that continued participation by you in the Program is within your sole discretion and that you may opt-out of participation in the Program at any time. You agree that we shall have no liability to you for, and you hereby absolutely and unconditionally release and discharge us, our respective officers, directors, shareholders, agents, employees, and affiliates, and their respective officers, directors, agents and employees, from any and all losses, costs, suits, damages, claims, liabilities, and expenses (including, without limitation, reasonable attorneys' fees) arising from or related in any way to (i) the Program, (ii) the performance or non-performance by any Participating Merchant of any of its obligations related to any Deal (including, without limitation, the payment or fulfillment of any Deal), and/or (iii) any goods or services purchased or otherwise obtained by you from such Participating Merchant and/or any act or omission by such Participating Merchant in connection with any transaction between you and such Participating Merchant. In the event you are dissatisfied or aggrieved in any way with respect to the Program, any aspect thereof, our administration thereof, or any incident or transaction in connection therewith, your sole and exclusive remedy as between you and us shall be to opt-out of further participation in the Program.

In connection with the Program, we may provide links from our website to the websites of Participating Merchants or other third parties (any such website, a "Third Party Website"). We do not own, operate, control or maintain Third Party Websites, and any links to such websites are provided strictly for convenience. If you click a link for a Third Party Website, you will be leaving our website and entering the Third Party Website. We (i) do not control nor are we responsible for the content, products and/or services provided by or through any Third Party Website, (ii) do not endorse or guarantee the products, information, or recommendations provided by or through any Third Party Website, and (iii) do not become liable for any failure of the products or services advertised on or provided by or through any Third Party Website by offering the SunTrust Deals Program. The privacy and information-sharing and security policies and procedures of Third Party Websites are separate and distinct from our policies and procedures, and a Third Party Website may not be as secure as our website.

These Program Terms constitute the current, sole and entire agreement between you and us with respect to the Program and your participation therein. Any and all prior agreements with respect to the Program, or any other rewards program that has been replaced by the Program if explicitly stated herein, are superseded by these Program Terms. Any frequently-asked-questions and other informational material regarding the Program that is published at our website (collectively, "FAQs") constitute a part of the Program Terms and are incorporated herein by reference; provided, that in the event of a conflict between such FAQs and the Program Terms set forth herein, the terms set forth herein shall govern and control. These Program Terms shall governed by the laws of the State of Georgia, without regard to its conflicts of law principles. No delay or omission by us in exercising any right or remedy regarding the Program Terms or applicable law shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise of that right or remedy or the exercise of any other right or remedy. No waiver shall be valid unless in writing and signed by our authorized representative. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions. You acknowledge and agree that we shall have sole and absolute authority in interpreting and administering the Program and the Program Terms, and any decision we make as to the interpretation or administration of the Program and/or the Program Terms shall be binding on you. If any provision of the Program Terms is found by a court of competent jurisdiction, or arbitrator as the case may be, to be invalid, the parties agree that the court, or arbitrator, shall endeavor to give effect to the parties' intentions as reflected in the provision, and if such a construction is not reasonably possible such provision shall be deemed severed from the Program Terms, and the other provisions of the Program Terms shall remain in full force and effect.


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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