Overdraft Protection for Small Businesses

Protect your business accounts from overdrafts.

For those times when income and expenses don’t match up, there’s SunTrust Overdraft Protection. By opting in, you’ll never have to worry about bouncing a check or being denied a transaction again. The SunTrust Business Credit Card links your SunTrust business checking or money market account to one of your other SunTrust accounts.1 That way when there’s a problem with insufficient funds, we can take care of it for you on the spot.  
 
How Does Overdraft Protection Work:
On business accounts linked to a checking or money market account, we will transfer the exact amount you need to complete a transaction, plus any applicable transfer fees.
 
On business accounts linked to a credit card or line of credit, we will make transfers in $100 increments.
 
Each overdraft transfer made has a fee of $12.50. The maximum you could receive in a day is one. Refer to full disclosures for applicable rates and fees.
 
Learn more about the different accounts associated with Overdraft Protection.

Call 800.279.4824 to talk with a SunTrust overdraft service expert about the details.

DISCLAIMERS

1 Overdraft Protection Service is not available for all SunTrust products or product service areas. Transfer fees for the deposit accounts, Access 3, and the personal or executive line of credit are charged to the protected checking, savings, or money market account. The transfer fee for the SunTrust credit card is charged to the credit card. All advances are subject to funds availability. See your SunTrust representative for details.

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