Small Business Checking Accounts

Find the right business checking account for you.

Open a SunTrust Business Checking account with ease and convenience when you sign up through our online new accounts center.

  • Call us to learn more about SunTrust Analyzed Business or Interest Checking Accounts 800.752.2515

What you need to apply online or in a branch:

  • Business Information
    • Business Name
    • Address
    • Tax ID number
    • Business Date of Formation
    • State 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? — Click here for more information >

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

DISCLAIMERS

1 SunTrust offers a complete suite of Web-based services, such as SunTrust Online Cash Manager and Online Treasury Manager, designed to meet your online banking needs. Please contact a SunTrust representative to determine which online product best meets your business requirements.

2 Some fees may apply. View Fee Schedule

3 NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

4 Items include deposits and deposited items, checks, ATM transactions, Point-of-Sale purchases and ACH debits. Wire transfer transactions and Commercial and Treasury management transactions may also count against this limit. There are fees for exceeding stated limits.

5 There are fees for exceeding stated cash processing limits.

6 Credit cards are subject to credit approval.

7 Cash Rewards Redemption: After close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, you may redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit, or (2) an ACH credit to the SunTrust Business deposit account that you designate. Cash Rewards earned on Business Card Accounts that are redeemed through an ACH deposit into a SunTrust Business checking, savings or money market account will receive a Cash Deposit Bonus of 10% or 25% on redemption, depending on your deposit relationship with SunTrust as of the last day of the month preceding redemption, or in some instances, the last day of two months’ prior to redemption (See Program Terms for details), as follows:

  • Clients with SunTrust Business Advantage Plus Demand Deposit Accounts (DDA) will receive a Cash Deposit Bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.
  • All other clients with a SunTrust Business checking, savings or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.

8 The two additional SunTrust Business Advantage Plus Checking accounts must share the same tax identification number as the main Business Advantage Plus account. All three accounts must be linked.

* Service charges may be offset or reduced by an Earnings Credit. The Earnings Credit is calculated on the average collected balance less related reserves. SunTrust calculates the value of earnings credit on the balances in your account and applies that value against service activity expenses.

Read Rules and Regulations for Deposit Accounts

Check out our Small Business Best Practices Guide to take your business onward and upward.

Learn the ins and outs of operating cash flow within your business.

Small Business Resource Center

  • Infographic: Pick up the Payments Pace

    Timely customer payments are essential to keep your cash flow healthy and allow you to meet today’s financial obligations. A few simple steps help you speed along your customer payments and keep your business flush with the cash you need to operate.

  • Infographic: Status Check: Is Your Business on Track?

    Every small business is unique, but you may be wondering where you stand in relation to others. Learn how your company’s growth, marketing tactics and tech savvy compare to your peers.

  • Managing Cash Flow: Critical to Growth

    Optimizing your business’s cash flow is more than just monitoring sales; it’s having a full picture of all of your expenses, your investments and your money on hand.

  • On the Hunt for Cash Flow

    Managing working capital and keeping tabs on cash flow are imperative to business success. Proficiency in the cash flow cycle can help improve business stability.

  • Approach Lending Options with Confidence

    While the fundamentals of a strong business are important on a credit request, the intangibles are equally as important. Telling your business narrative, professional documentation, and working relationships also play into credit-worthiness.

  • 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