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Analyzed Interest Checking
Analyzed Interest Checking is the right account for your company if your transaction activity is moderate to high, you have complex cash management needs and you maintain high balance levels in your checking account. Balances maintained in an Analyzed Interest Checking earn an earnings credit allowance1 that can help you reduce or eliminate service charges. If balances maintained in the account exceed what is needed to offset service charges, interest is earned on those excess balances2.

Like Analyzed Business Checking, 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 statement3.

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 To determine the amount of excess balances, the following calculation is used: Average Available Balances - Balances Required to Offset Service Charges = Excess Balances. If you are in a negative net analysis position, the value of excess balances will equal zero to indicate that there are not sufficient balance levels maintained in the account to earn interest. The following calculation is used to derive the balance level required to offset all service charges: Service charges ÷ Earnings Credit Rate x days in year ÷ days in month = Balances Required to Offset Service Charges.

3 Only other Analyzed Interest Checking accounts can be consolidated for the purposes of earnings credits and earning interest.
 
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