Starting Your Small Business

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.
    Download your Action Guide to Planning >
  • Fund: Decide how to fund your business and pay yourself. Include business cash projections and their reliability along with other funding sources.
  • Setup: 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.
    Download your Action Guide to Setting Up >
  • 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

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

     

  • Apply for a Small Business
    Credit Card

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

  • Sign up for Online
    Cash Manager

    Manage all your company's accounts anytime—in real time—with help from SunTrust Online Cash Manager.

     

     

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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.

Small Business Resource Center

  • 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:

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