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:
Business Documentation (if Business Documentation is not located on Secretary of State website)
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
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 suntrust.com/businessfeeschedule 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 suntrust.com/businessfeeschedule. Interest is calculated and compounded daily on the collected balance in your account and credited to your account monthly. Fees may reduce earnings.
Too often small business owners let cash fluctuations and shortfalls disrupt their business’s operations and put their personal finances at risk. Business cash reserves put owners ahead cash surprises.
Small businesses say cash flow is vital, yet many are slow to bill and collect from customers. They miss out on cash to grow, pay bills or build reserves that protect business and owner finances.
Cash shortfalls and fluctuations leave owners scrambling to keep the business running without dipping into personal finances. Stretching payables frees up the cash owners need to get through a cash crunch.
Without a spark of ingenuity and a bold strategy that turns ideas into actions, many small businesses can’t gain the competitive advantage they need to overcome growth pressures and succeed.
SunTrust provides advice on determining whether you’re ready to buy your own commercial space.
24-hour automated assistance
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
800.786.8787 Option 7 - Option 5
International Toll Free
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 your questions, comments, or suggestions to (No deposits or payments accepted at this address):
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
P. O. Box 791274
Baltimore MD 21279-1274
All other lines of Credit Payments
P. O. Box 79282
Baltimore MD 21279-0282
Consumer Loan Payments
P.O. Box 791144
Baltimore, MD 21279-1144
For more details about Wire Transfers with SunTrust, call 800.947.3786
SunTrust Incoming wire instructions:
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
© 2019 SunTrust Banks, Inc.
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SunTrust, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are trademarks of SunTrust Banks, Inc. All rights reserved. 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. 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 offered through SunTrust Mortgage, a tradename for SunTrust Bank, and loans are made by SunTrust Bank.
"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 FINRALink opens a new window and SIPCLink opens a new window, 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 Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.
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 FINRALink opens a new window and SIPCLink opens a new window.