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Managing your business finances doesn’t have to be challenging.

When you create good practices for business cash flow, you’ll set yourself up for success in other business areas, too. As you understand the patterns of money going in and out of your account, you’ll not only be able to create consistency with payments and payroll, but you’ll be better prepared to take on business growth and other opportunities.

Use this checklist to guide your approach to payments and receipts today:

  • Customer Payment Options: Use merchant services to offer your clients additional payment options including credit and debit cards, accept payments online and speed availability of funds.
  • Collect: Actively manage receivables by invoicing promptly, tracking receipts and taking action on past due accounts.
  • Pay: Use convenient and secure payment methods for making routine and/or large payments such as ACH, wire transfers, etc., and take advantage of early-payment trade terms.
  • Monitor Cash: Create monthly business cash flow statements to maintain a complete picture of cash movement in and out of the business.
  • Alerts: Establish trip wires that alert you to business finance issues; i.e., large transfers/deposits/withdrawals, overdraft, low balances, etc.
  • Reserves: Create and fund a reserve account to cover cash shortfalls from seasonal fluctuations or uneven customer collections.

Must-haves for convenient payments & receipts:

Check Out our Merchant Services

With SunTrust Merchant Services you’ll enjoy:
Widespread Payment Acceptance
Customer Loyalty and Analytics
Safer Transaction

Learn More

Enroll Now for Online Payroll Services

Take a deeper dive to see how simple payroll tasks can be with SunTrust Online Payroll.

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Sign Up for Online Cash Manager

Manage all your company’s accounts anytime—in real time—with help from SunTrust Online Cash Manager.
Existing Online Cash Manager users call 800.382.3232.
New clients can reach us at 800.752.2515.

Learn More

Open a Small Business Account Online.

Find the right account for the way you work.

Take a step toward financial confidence.

Join the onUp Movement today.

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SunTrust Bank and its affiliates and the directors, officers, employees and agents of SunTrust Bank and its affiliates (collectively, "SunTrust") are not permitted to give legal or tax advice. While SunTrust can assist clients in the areas of estate and financial planning, only an attorney can draft legal documents, provide legal services and give legal advice. Clients of SunTrust should consult with their legal and tax advisors prior to entering into any financial transaction or estate plan. Because it cannot provide legal services or give legal advice, SunTrust's services or advice relating to "estate planning" are limited to (i) financial planning, multigenerational wealth planning, investment strategy, (ii) management of trust assets, investment management and trust administration, and (iii) working with the client’s legal and tax advisors in the implementation of an estate plan.

Small Business Resource Center

  • 24-hour automated assistance
    800.786.8787 (800.SUNTRUST)

    Online Cash Manager, PC Banking and Bill Pay

    TDD (Telephone Device for the Deaf)

    Report Checking Account Fraud
    800.447.8994 Option 1 –Option 3

    Lost or Stolen Card
    800.786.8787 Option 5

    Directory Assistance
    800.786.8787 Option 7 –Option 5

    International Toll Free
    800.ST.TRAVEL (800.7887.2835)

  • Please note that Federal Regulation E outlines the rules and procedures for electronic funds transfers (EFTs) for consumers. The protections and deadlines included in Regulation E do not apply to business accounts. Regulation E only establishes rights, liabilities, and responsibilities for consumer transactions on consumer accounts.

  • Write Us
    Mail your questions, comments, or suggestions to (No deposits or payments accepted at this address):
    SunTrust Bank
    P.O. Box 4418
    Atlanta, GA 30302-4418

    Bank by Mail
    You may mail checking, savings, or money market deposits to (Be sure to include a deposit slip or your name and account number. Do not send currency via U.S. mail):
    SunTrust Bank, Special Handling
    P.O. Box 27572
    Richmond, VA 23261-7572

    Consumer Loan/Line Payment Addresses Access 3 payment address
    SunTrust Bank
    P. O. Box 791274
    Baltimore MD 21279-1274

    All other lines of Credit Payments
    SunTrust Bank
    P. O. Box 79282
    Baltimore MD 21279-0282

    Consumer Loan Payments
    SunTrust Bank
    P.O. Box 791144
    Baltimore, MD 21279-1144

  • For more details about Wire Transfers with SunTrust, call 800.947.3786

    SunTrust Incoming wire instructions:

    • For Domestic incoming wire use Routing ABA: 061000104
    • For International incoming wire 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