Primary Business Checking

Manage your checking accounts with improved speed and accuracy with a Primary Business Checking account. Perfect for businesses with limited transaction activity, this account helps you by providing access to a suite of online tools designed to meet all your cash management needs.

Primary Business Checking with SunTrust comes with:

  • 150 transactions1 and $5,000 in cash processing each month2
  • A SunTrust Business Check Card
  • Monthly Image Statements
  • Next-day funding on SunTrust merchant accounts depositing to a SunTrust business checking
  • Get a 10% Loyalty Cash Bonus when you redeem cash back from your SunTrust Business Credit Card directly into a SunTrust Business deposit account3
  • A personal Advantage Checking account for one business owner with waived monthly maintenance fee when linked with your Primary Business Checking account4

Plus, avoiding the $15 monthly maintenance fee is simple:

  • You're a new Primary Business Checking client—then the monthly maintenance fee will be waived for the first two statement cycles
  • You carry a minimum daily collected balance of $1,000 or more
  • Otherwise there is a $15 monthly maintenance fee 

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

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.

There are fees for exceeding stated cash processing limits.

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 10% if you redeem through an ACH deposit into a SunTrust business deposit account. For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

4 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

  • 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