SunTrust Business Advantage Plus Checking

For businesses with higher transaction volumes and more complex cash management needs, a SunTrust Business Advantage Plus Checking account includes up to two additional business checking accounts, plus other benefits.

A SunTrust Business Advantage Plus Checking account comes with:

Convenience

  • Two additional Business Advantage Plus accounts included1
  • 500 transactions2 and $10,000 in cash processing3 each month from all three accounts
  • Online Banking through Online Cash Manager4
  • Mobile Banking and Mobile Bill Pay
  • Monthly Image Statements

Saves Money

  • Get a 25% Loyalty Cash Bonus when you redeem cash back from your SunTrust Business Credit Card directly into a SunTrust Business Advantage Plus account5
  • 10% discount on Online Payroll monthly maintenance fee4
  • Fraud Inspector® available for no fee
  • 50% off your first order of checks
  • Up to $75 Online Check Deposit setup fee discount
  • A personal Advantage Checking account for one business owner with waived monthly maintenance fee when linked with your SunTrust Business Advantage Plus checking account6

Plus, avoiding the $25 monthly maintenance fee is simple:

  • If you are a new SunTrust Business Advantage Plus Checking client, the monthly maintenance fee will be waived for the first two statement cycles
  • The monthly maintenance fee is waived if your minimum daily collected balance combined with two other SunTrust Business Advantage Plus accounts is equal to $20,000 or more

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.

DISCLAIMERS

1 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.

2 Items include deposits and deposited items, checks, ATM transactions, point-of-sale purchases and ACH debits. Wire transfer services and Commercial and Treasury Management services may also be included. There are fees for exceeding stated limits.

There are fees for exceeding stated cash processing limits.

4 Please refer to the Product Fact Sheet for detailed product information. Also, refer to the current Fee Schedule for detailed pricing.

5 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your Business Card Account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a business deposit account. You can earn a Loyalty Cash Bonus of 25% if you redeem through an ACH deposit into a SunTrust Business Advantage Plus Demand Deposit Account (DDA). For example, a 25% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $25, totaling $125 in Cash Rewards earnings.

6 The Advantage Checking personal account is for the business account holder. To waive the monthly maintenance fee on the Advantage Checking account, it must be linked to the Small Business Checking account. Eligible Small Business accounts include Total Business Banking, Select Business Banking, Business Interest Checking, Business Advantage Plus, Simple Business Checking and Primary Business Checking.

Small Business Resource Center

  • A Straightforward Growth Plan Can Jump-Start your Business

    Less than half of small businesses are following the example of the fastest growing businesses by creating growth plans and sharing them broadly for help in reaching their growth goals.

  • Lowering Cost of Capital

    Using leverage, particularly real estate financing, can help lower a business’s cost of capital and fund growth by rebalancing the capital mix.

  • Podcast: Picking the Right Opportunities and Partners

    Having the chance to win a new piece of business is exciting, regardless of the size or age of your business. But how do you make sure the opportunity is a good fit?

  • Podcast: What Type of Small Business Owner Are You?

    Of the 27 million small businesses in the U.S. today, 80 percent of owners fall into the small business owner category, 15 percent are passionate owners and just five percent are true entrepreneurs. What type of owner are you?

  • Podcast: Turning Your First Client Into 10 Prospects

    Once small business owners have secured start-up funding and composed a business plan, the next step is building a client base. Getting the first client is critically important, because it proves out the business model and presents growth opportunity.

  • 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 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