Simple Business Checking

SunTrust and BB&T are now Truist

Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Learn More

Who does a Simple Business Checking account serve best?

If you’re an entrepreneur, a sole proprietor, or an organization with a low number of monthly transactions, Simple Business Checking can help you keep your business and personal accounts separate and easier to track.

What you get with Simple Business Checking:

  • icon money with arrows 50 included items/transactions per month1
  • icon with cash $2,000 cash processing per month2
  • icon money and percentage sign 10% Loyalty Cash Bonus when redeeming cash back from your SunTrust Business Credit Card into your Business deposit account3

Plus enjoy these added benefits:

  • A personal Advantage Checking account for one business owner with waived monthly maintenance fee when linked with your Simple Business Checking account4
  • A SunTrust Business Debit Card
  • Access to SunTrust Online Cash Manager, our online banking system for businesses5

Avoiding the $5 monthly maintenance fee is simple.

  • For the first 12 statements

    Your monthly maintenance fee will be waived for the first 12 statement cycles when you’re a new Simple Business Checking client.
  • After the first 12 statements

    Just make five debit or credit transactions per month to avoid your monthly maintenance fee after the first 12 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 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.

2 There are fees for exceeding stated cash processing limits.

3 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.

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

SunTrust Bank, now Truist Bank, Member FDIC. © 2019 Truist Financial Corporation. SunTrust®, Truist, Online Cash Manager®, and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.

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


Small Business Resource Center

  • Make the Next Downturn Different

    Business cycles progress and downturns happen. Businesses that assess their vulnerable points and prepare will be far more comfortable when the day arrives.

  • Make Your Business a Magnet for Employees

    The drivers for employee engagement and job satisfaction go beyond the pay stub. Here are five strategies to holding onto some of your best employees.

  • Four Steps to Plan for Business Transition

    Business transition planning ensures that when transition time arrives, hard work results in ample financial returns and a new chapter for both business and owner.

  • Purchasing your Business Real Estate

    Business property ownership is a tried and true small business approach to diversify assets, secure a strategic business asset and put your rent to work creating value.

  • Understanding Loan Covenants

    Once a loan is funded, it’s loan covenants that keeps the relationship strong, protecting the borrower’s business and assuring the lender that they will be repaid.

  • 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