SunTrust Business Advantage Plus Checking

How can a Business Advantage Plus checking account elevate your business?

If your business is experiencing high monthly transaction volumes and increasingly complex cash needs, Business Advantage Plus offers expanded solutions.

What you get with Business Advantage Plus:

  • icon money with arrows 500 included transactions per month for up to three different accounts2
  • icon with cash $10,000 no-fee cash processing per month for up to three different accounts3
  • icon money and percentage sign 25% Loyalty Cash Bonus when redeeming cash back from your SunTrust Business Credit Card to your SunTrust business deposit account5

Plus even more benefits:

  • Two additional Business Advantage Plus accounts1
  • Fraud Inspector® service available for no fee
  • 10% discount on Online Payroll monthly maintenance4

Here are some other features worth noting:

  • A personal Advantage Checking account for one business owner with waived monthly maintenance fee when linked with your Business Advantage Plus Checking account6
  • Access to SunTrust Online Cash Manager, our online banking system for businesses4
  • 50% off your first order of checks
  • Up to $75 discount on Online Check Deposit setup

Avoiding the $25 monthly maintenance fee is simple.

  • For the first 2 statements

    Your monthly maintenance fee will be waived for the first 2 statement cycles when you’re a new Business Advantage Plus Checking clients.
  • After the first 2 statements

    Just carry a minimum daily balance of at least $20,000 combined across your three Business Advantage Plus accounts to avoid your monthly maintenance fee after the first 2 statement cycles.
  • 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

For more information on fees associated with this account, please refer to the Business Accounts Fee Schedule.


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.

3 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.

Explore Business Savings Solutions:
Business Advantage Money Market
Business CDs
Business Sweep

Small Business Resource Center

  • Contain Business Cash Surprises

    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.

  • Speed the Flow of Cash into Your Business

    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.

  • Payment Strategies to Maximize Cash

    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.

  • Ingenuity Drives Growth

    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.

  • Is Now the Time to Buy Your Commercial Space?

    SunTrust provides advice on determining whether you’re ready to buy your own commercial space.

  • 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