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Analyzed Business Checking

Analyzed Business Checking is the right account for your company if your transaction activity is moderate to high and you have complex cash management needs. Balances maintained in an Analyzed Business Checking account earn an earnings credit allowance1 that can help you reduce or eliminate service charges. Analyzed Business Checking maximizes return on balances by paying our most competitive Earnings Credit rate.

Additionally, Analyzed Business Checking allows you greater control of your banking relationship. Multiple accounts can be consolidated into a single relationship to offset service charges, and transaction and balance information on all accounts can be viewed in a single statement.

Features and Benefits To apply: For additional information:

1 At the end of each month, SunTrust sets an Earnings Credit Rate (ECR). Using the SunTrust ECR, we calculate the value of earnings credit on the balances (sometimes referred to as value of balances) in your account and apply that value against service activity expenses. The ECR used for the analysis period is always displayed on the account analysis statement. SunTrust uses the following calculation to derive the value of Earnings Credit on available balance: average available balance x ECR ÷ days in the year x days in the month = Earnings Credit on Average Available Balance. Average available balance is calculated by subtracting related reserves, if applicable, from the average positive collected balance.

2 Delta SkyMiles® Check Cards from SunTrust: The Delta SkyMiles Check Cards are available with any personal or business checking account from SunTrust. The annual fee is $20 for the Delta SkyMiles Classic Check Card. The annual fee is $55 for the Delta SkyMiles World Check Card and Delta SkyMiles Business Check Card. The Classic Check Card earns 1 mile per $2 in signature-based purchases and 1 mile per $1 in direct Delta purchases. The World and Business Check Cards earn 1 mile per $1 in signature-based purchases and 2 miles per $1 in direct Delta purchases. Only signature-based purchases (including small dollar purchases that do not require a signature), Internet purchases, phone or mail order purchases or automatic bill payments qualify for miles earned toward the Delta SkyMiles program. Cash advances, ATM transactions, payments for stored-value cards, wire transfers, money transfers, quasi cash, traveler's checks and purchases made with a PIN do not qualify for miles earned toward the Delta SkyMiles program. The one-time enrollment bonus is 5,000 miles for the Delta SkyMiles World and Business Check Cards; and 2,500 miles for the Delta SkyMiles Classic Check Card. The one-time enrollment bonus miles will be awarded after the first signature-based purchase made with the Classic, World or Business Check Card. Please allow 6-8 weeks for enrollment bonus miles to be credited to your Delta SkyMiles account after the first signature-based purchase is made. Enrollment bonus miles are only available to new Delta SkyMiles Check Card customers and cannot be combined with any other enrollment offer. The SunTrust personal or business checking account must also be open and in good standing at the time the enrollment bonus miles are awarded. All SkyMiles program rules apply. Award Travel seats are limited and may not be available on all flights or in all markets. Taxes and fees for Award Travel are the responsibility of the passenger and must be paid at the time the ticket is booked. All SkyMiles program rules apply. To review the rules, please visit delta.com/skymiles. The Delta SkyMiles Check Cards are issued by SunTrust Banks, Inc. and are available in AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA and DC. SunTrust Bank, Member FDIC. © 2011 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc. © 2011 Delta Air Lines, Inc.
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