Analyzed Interest Checking

If you own a business with moderate to high transaction activity, complex cash management needs or high balances in your checking account, Analyzed Interest Checking could be the solution for you.

Analyzed Interest Checking comes with:

  • Earned interest on balances that exceed the minimum requirement to offset service charges2
  • Earnings credit allowances1 that can help reduce or eliminate service charges
  • Special statement cycles that can be tailored to your business needs
  • The ability to consolidate accounts into a single relationship and transaction3
  • Details from all your accounts in one monthly statement, including all Treasury Management product usage and volumes and a breakdown of deposits and withdrawals
  • One net service charge for fees owed or one net interest payment
  • No transaction volume limitations

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 Link opens a new window 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.

Call 800.752.2515 to open up an Analyzed Interest Checking Account today.

DISCLAIMERS

1 At the end of each month, SunTrust sets an Earnings Credit Rate (ECR). Using the SunTrust ECR, we calculate the value of earnings credit on the balances (sometimes referred to as value of balances) in your account and apply that value against service activity expenses. The ECR used for the analysis period is always displayed on the account analysis statement. SunTrust uses the following calculation to derive the value of Earnings Credit on available balance: average available balance x ECR ÷ days in the year x days in the month = Earnings Credit on Average Available Balance. Average available balance is calculated by subtracting related reserves, if applicable, from the average positive collected balance.

2 To determine the amount of excess balances, the following calculation is used: Average Available Balances - Balances Required to Offset Service Charges = Excess Balances. If you are in a negative net analysis position, the value of excess balances will equal zero to indicate that there are not sufficient balance levels maintained in the account to earn interest. The following calculation is used to derive the balance level required to offset all service charges: Service charges ÷ Earnings Credit Rate x days in year ÷ days in month = Balances Required to Offset Service Charges.

3 Only other Analyzed Interest Checking accounts can be consolidated for the purposes of earnings credits and earning interest.

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