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Overdraft Protection Service

Overdraft Protection allows you to link your checking account to another SunTrust deposit account, credit card or line of credit so you can transfer available funds to cover an overdraft.

With this service, you can link your checking or money market account to one of the established "protector" accounts listed below so that your money is always covered:1

Service Fees

Once you have established your Overdraft Protection Service, you will not incur non-sufficient fund fees or returned item fees if you overdraw your account and there are available funds in your protection account. The transfer fee3 is $12.50. There is a maximum of one transfer fee per day. For accounts linked to another Deposit Account (checking, savings, or money market); transfers will be the exact amount plus any applicable transfer fees. For accounts linked to a credit card or line of credit, transfers will be made in $100 increments.

Sign Up

To sign up for the Overdraft Protection Service on your SunTrust checking or money market account:

Within Online Banking, you can protect your checking and money market accounts with your SunTrust Credit Card. Sign up today.

1 Overdraft Protection Service is not available for all SunTrust products or product service areas. Transfer fees for the deposit accounts, Access 3, and the personal or executive line of credit are charged to the protected checking or money market account. All advances are subject to funds availability. See your SunTrust representative for details.

2 The SunTrust Consumer Credit Card is issued by SunTrust Bank. All credit cards are subject to credit approval. Overdraft protection transactions from the SunTrust Credit Card are treated as Overdraft Advances in accordance with the terms of your Cardmember Agreement. See your SunTrust representative for details.

3 Transfer fee waived when overdraft transfer comes from SunTrust’s
Live Solid SavingsSM Account, a consumer savings account.

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Additional Information

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available to help you.


> Call us at 800.SUNTRUST
    (800.786.8787)
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