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We've thought of everything to help your business get off the ground.

Dreaming about a business of your own? Chances are you'll need more than a business bank account and a loan to get going. You'll want to create a plan for how to pay bills during the initial launch, and plan for legal and accounting needs too. Our Small Business Basics Guide offers tips and tools to help businesses like yours stay on track.

Be sure of your next step with this checklist:

  • Plan: Develop an initial business plan, goals and competitive strategy.
  • Fund: Decide how to fund your business and pay yourself. Include business cash projections and their reliability along with other funding sources.
  • Set-Up: Determine the best legal structure for your business in conjunction with business advisors (attorney, CPA, etc.) Understand regulatory issues in your industry and file appropriate permits and licenses. Register your business and domain name.
  • Financial Software: Set up financial software to establish good bookkeeping habits and automate recordkeeping. Create a connection between your checking account and your financial software.
  • Bank Account: Separate personal and business finances with a business checking account.
  • Banking Access: Set up online and mobile bank account access to monitor your daily cash position, pay bills and make easy transfers.
  • Staff: Decide how to staff your business, understand employment rules, (full time, part time, contractor) and set up payroll processing.

Set-up essentials for a successful new business:

Open a Small Business Checking Account Online

Move your company forward with the right business checking solution. Find the right business checking account for you

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Apply for a Small Business Credit Card

Learn about a credit card options and decide which card is right for your business. To apply, call 1.866.442.1369 or visit a branch to speak to a SunTrust representative to determine which card is right for your business.

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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.

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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.

Find a Branch or ATM
Use the following form to search for a specialist near you.

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.

Small Business Resource Center

  • 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.

  • 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

  • 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