Business Advantage Money Market Account

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Plan for the expected and the unexpected.

You can’t forecast everything your business will go through, but having a reserve means you can manage your cash flow effectively, giving you the confidence to adapt and thrive. Prepare for these ups and downs with a SunTrust business money market account. Build your savings over time1 and access your funds when you need them by making an online transfer or writing a check.

Stay in control with these key features:

  • glyph of number six Transfers per statement period2
    including online transfers, telephone transfers, electronic debits and checks
  • glyph of padlock Overdraft Protection
    available to protect your business accounts from overdrafts
  • glyph of calendar with number 31 No monthly maintenance fees3
    if you maintain a minimum balance
  • glyph of computer with dollar sign on screen Account access through
    Online Cash Manager
  • glyph of dollar sign A low minimum balance
    requirement of $500
  • Here’s what you need to apply:

    • Business Information

      • Business Name
      • Address
      • Tax ID Number
      • Business Date of Formation
      • Annual Revenue
      • Business Activities
      • Source of Funds
      • Purpose of Account

      Business Documentation (if Business Documentation is not located on Secretary of State website)

      • Filing Documents
      • Organizing Documents
      • Operation Agreements

      Identifying information for all Beneficial Owner(s)

      Certification Regarding Beneficial Owner(s) and Controlling Person of Legal Entity Customers Form

      What is a Beneficial Owner?

      Certification Regarding Beneficial Owner(s) and Controlling Person of Legal Entity Customers Form can be downloaded and completed prior to going to local branch for account opening. A photocopy of Driver’s License or Passport is required for any Beneficial Owners not present for account opening

      Learn more about Beneficial Ownership

  • To learn more about business money market accounts, call 800.752.2515


1 Interest rates are tiered. Number of tiers varies by location. Visit your local SunTrust branch for more information.

2 Withdrawal Transaction Limitations: Savings and money market accounts are governed by federal regulations, which limit the number of certain types of transactions. From your savings or money market accounts, you are limited to 6 preauthorized, telephone or online transfers to your other SunTrust Bank accounts or to third parties. Additionally, this limitation includes checks, drafts or similar orders you make payable to a third party. The limitation applies per statement cycle for monthly statements or calendar month for quarterly statements. Due to IRS regulations, these transfer options are not available for money market IRAs. In determining when a transfer is made, the bank will use the date the transfer is paid. If you routinely exceed these withdrawal limitations on your savings or money market accounts, the bank may close the account or convert the account to a checking account. The foregoing limitations do not apply to withdrawals made by you or transfers to other accounts, which you have with us when these transfers are made by messenger, in person or through ATMs. The regulatory limit applies regardless of account balance.

3 Monthly maintenance fee is waived for the Business Advantage Money Market account each month in which a minimum daily collected balance of $500 is maintained. Please see fee schedule at for further details. A minimum opening deposit of $100 is required for a Business Advantage Money Market account. To the extent required by law, SunTrust Bank will report any interest paid to the Internal Revenue Service. For additional fee and/or product information, please consult the fee schedule located at Interest is calculated and compounded daily on the collected balance in your account and credited to your account monthly. Fees may reduce earnings.


Small Business Resource Center

  • Make the Next Downturn Different

    Business cycles progress and downturns happen. Businesses that assess their vulnerable points and prepare will be far more comfortable when the day arrives.

  • Make Your Business a Magnet for Employees

    The drivers for employee engagement and job satisfaction go beyond the pay stub. Here are five strategies to holding onto some of your best employees.

  • Four Steps to Plan for Business Transition

    Business transition planning ensures that when transition time arrives, hard work results in ample financial returns and a new chapter for both business and owner.

  • Purchasing your Business Real Estate

    Business property ownership is a tried and true small business approach to diversify assets, secure a strategic business asset and put your rent to work creating value.

  • Understanding Loan Covenants

    Once a loan is funded, it’s loan covenants that keeps the relationship strong, protecting the borrower’s business and assuring the lender that they will be repaid.

  • Contact

  • Support

      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.

  • Mail



      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 Home Equity Line & 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