Protecting Your Assets

  • Protecting Assets

    • Run your small business with peace of mind.

    Protection for you and your business can help you save money and reduce expenses today. So what steps should you take for your business? In addition to your CPA, consultant and business attorney, talk with a SunTrust Banker to ensure you have the best practices for your business in place and are taking the right steps to protect you, personally and professionally.

    This checklist will provide you the initial steps in protecting your business assets:

    • Separate: Maintain separate accounts for business and personal finances for easier activity tracking and as a firewall to protect assets.
    • Interdependencies: Understand how your business affects your personal financial plans, and vice-versa. Discuss your combined financial situation with your spouse or other family members.
      Download your Action Guide to Interdependencies >
    • Insurance: Select the right insurance coverage, e.g. business liability, worker’s compensation, disability, life, etc., for your business and your personal needs.
      Download your Action Guide to Insurance >
    • Regulatory: Stay up-to-date on regulatory issues in your industry and maintain appropriate permits and licenses.
      Download your Action Guide to Regulatory Needs >
    • Tax: Work with your CPA to minimize taxes and save enough funds to meet tax obligations.
    • Security: Ensure you have the most up-to-date security protection for your business technology platforms.
      Download your Action Guide to Security >
    • Fraud Protection: Evaluate the risk of fraud for your operations and industry. Work with your CPA to set proper separation of duties and financial checks/balances and use online banking fraud protection.
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    2018 Small Business Survey

    Find out what business owners are saying in our second annual survey.

    View Survey Results
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    Protecting Your Assets Assessment

    Are you taking the right steps to protect your business assets and secure what you own? Put your plans to the test with this short, 6-question quiz.

    Start Assessment
    Video: Rebuilding a business after a fire  Link opens a new window
    Video: Rebuilding a business after a fire  Link opens a new window

    Article: Does your company's culture inadvertently promote fraud?  Link opens a new window
    Article: Does your company's culture inadvertently promote fraud?  Link opens a new window

    Are Your Employees Committing Fraud? What to Watch For and How to Stop It  Link opens a new window
    Are Your Employees Committing Fraud? What to Watch For and How to Stop It  Link opens a new window

    Protect your small business with:

    • Check Out our Business Insurance

      Our small business advisors will be happy to talk more about SunTrust business insurance. Call 866.495.5416 to learn more or get started.

    • Check Out Cash Vault Services

      SunTrust Cash Vault Services include:
      Coin and Currency Deposits
      Coin and Currency Orders
      Information Reporting

       

    • Get Started with Online 401k

      No matter who uses the Online Small Business 401k to make a plan for the future, guidance and advice is just a phone call away. Talk with our retirement experts by calling 877.665.4650.

       

    Open a Small Business Account Online.  Link opens a new window
    Open a Small Business Account Online.  Link opens a new window

    Find the right account for the way you work.

    Take a step toward financial confidence.  Link opens a new window
    Take a step toward financial confidence.  Link opens a new window

    Join the onUp Movement today.

    Find a Branch or ATM

    Click here to find your locations.
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    DISCLAIMERS

    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.

    Disability and life insurance are offered by SunTrust Investment Services, Inc.

    Small Business Resource Center

    • Five Simple steps to Automate Collections

      The latest generation of business banking and payments technologies offers forward-thinking businesses the unprecedented ability to collect payments in less time, with less effort and without a great deal of your attention.

    • How to Stop Employee Theft Before It Starts

      Check tampering and billing fraud are the most frequent ways that employees embezzle from small businesses. A fraud prevention strategy using a six-step checklist will build a culture of accountability and reduce the risk of employee fraud.

    • Word of Mouth: Setting up a Thriving Referral Program

      Reaching your top existing customers on a personal level and inspiring them to refer their friends, family and co-workers to your business can give you a competitive advantage over your larger competitors.

    • Controlling Employee Purchases to Cut Costs

      Cost control may be the essential element that sustains growth for small businesses. Closely monitoring employee expenses such as purchasing, and travel and entertainment (T&E) is a natural place to look for cost savings and to control costs.

    • Does Your Organization’s Culture Inadvertently Promote Fraud?

      Fraud is a serious threat to the bottom line of small businesses. Implementing basic fraud protection measures along with establishing a culture of ethical behavior builds an environment that defers fraud.

    • Contact

    • Support

        24-hour automated assistance
        800.786.8787 (800.SUNTRUST)

         

        Online Cash Manager, PC Banking and Bill Pay
        800.382.3232

         

        TDD (Telephone Device for the Deaf)
        800.854.8965

         

        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.

    • Mail

         

        Write Us
        Mail your questions, comments, or suggestions to (No deposits or payments accepted at this address):
        SunTrust Bank
        GA-Atlanta-0795
        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
        VA-RIC-9292
        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

         

    • Wires

         

        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

         

     

    Investment and Insurance Products:

    Are Not FDIC or any other Government Agency Insured   Are Not Bank Guaranteed  May Lose Value 

    © 2018 SunTrust Banks, Inc

    equal housing logoSunTrust Bank is an Equal Housing Lender. Member FDIC

    equal housing logoEqual Housing Lender. SunTrust Mortgage, Inc

    SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

    Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are provided by SunTrust Mortgage, Inc.

    SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker—NYS Department of Financial Services, and RI: Rhode Island Licensed Lender.

    "SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

    SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups and GenSpring are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

    SunTrust Bank and its affiliates do not accept fiduciary responsibility for all banking and investment account types offered. Please consult with your SunTrust representative to determine whether SunTrust and its affiliates have agreed to accept fiduciary responsibility for your account(s) and if you have completed the documentation necessary to establish a fiduciary relationship with SunTrust Bank or an affiliate. Additional information regarding account types and important disclosures may be found at www.suntrust.com/investmentinfo.

    SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.