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SunTrust Online Services Agreement and Disclosure
We suggest you carefully read this document and print a copy for your records. Once you have completely reviewed the information contained herein, click "I Accept" to signify your agreement and to begin taking advantage of the many benefits of online services.

Table of Contents

I. Introduction
  1. General Terms Applicable To All Users
  2. Electronic Consent To The Service
  3. Account Requirements
  4. Service Access
II. Online Security Guarantee

III. Mobile Banking Guarantee

IV. Bill Pay Service
  1. Terms And Conditions Of The Bill Pay Service ("Terms And Conditions")
  2. Service Definitions
  3. Bill Pay Service Guarantee
  4. Bill Payment Scheduling
  5. Payment Authorization And Remittance
  6. Payment Methods
  7. Payment Cancellation Requests
  8. Stop Payment Requests
  9. Prohibited Payments
  10. Exception Payments
  11. Bill Delivery And Presentment
  12. Exclusions Of Warranties
  13. Service Fees And Additional Charges
  14. Failed Or Returned Transactions
  15. Alterations And Amendments
  16. Biller Limitation
  17. Returned Payments
  18. Information Authorization
  19. Credit Information
V. Internal Funds Transfers
  1. Daily Processing Deadlines
  2. Internal Transfer Limits
  3. Payment, Advance Or Funds Transfer Authorization And Remittance
  4. Funds Transfer Cancellation Requests
  5. Withdrawal Transaction Limitations
  6. Your Liability For Unauthorized Transfers

VI. External Transfers
  1. Daily Processing Deadlines
  2. External Transfer Fees
  3. External Transfer Dollar Limits
  4. External Transfer Authorization And Remittance
  5. External Transfer Cancellation Requests
  6. Withdrawal Transaction Limitations
  7. Your Liability For Unauthorized Transfers
VII. Online Statement Delivery Service
  1. Service Requirements
  2. Eligible Accounts
  3. Online Statement Delivery
  4. Termination Rights
  5. Receiving Statement Photocopies
  6. Minimizing Risks
VIII. Alerts Service

IX. Download Service
  1. Transmission and Storage
  2. Additional Limitations of Liability
X. Privacy and Security
  1. Privacy and User Information
  2. Password And Security Procedures
  3. Electronic Device And Software
  4. Address Or Banking Changes
  5. Email Address
  6. Account Information
XI. Other General Information
  1. Electronic Mail
  2. Inactivity
  3. Errors And Questions
  4. Service Termination, Cancellation, Or Suspension
  5. Hours of Operation
    1. Business Days
    2. Business Hours
    3. Customer Service Hours
XII. Dispute Resolution And Limitations Of Liabilities
  1. Severability
  2. Mediation
  3. Jury Trial Waiver
XIII. General Provisions
  1. Waiver/No Waiver
  2. Assignment
  3. Captions
  4. Governing Law
  5. Acceptable use of the Service
  6. This Agreement Amends And Is In Addition To All Other Agreements

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Privacy, Security & Fraud  |  Terms & Conditions |  ©2014 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc. SunTrust Bank Equal Housing Lender
Securities and Insurance Products and Services:
Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value
Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products (including checking accounts) and services are provided by SunTrust Bank, Member FDIC. Securities, insurance (including annuities and certain life insurance products) and other investment services (including Brokerage accounts) are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer and a member of the FINRA and SIPC. Other insurance products and services offered by SunTrust Insurance Services, Inc., a licensed insurance agency.