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For some, simple makes sense. If you are just starting out, are a sole proprietor, a community group or your small business has a low number of monthly transactions, a Simple Business Checking account provides you with basic business checking and opportunities to waive the low monthly maintenance fee each month. Move your small business toward financial confidence and open a Simple Business Checking account online, by phone or in a branch today.

Simple Business Checking comes with:

  • Waived $5 monthly maintenance fee for the first 12 statement cycles1
  • After 12 statement cycles the monthly maintenance fee of $5 can be waived when you make at least 5 debit or credit transactions in a month
  • $2,000 combined cash processing and 50 items2
  • Get a 10% Cash Deposit Bonus when you redeem cash back from your SunTrust Business Credit Card directly into a SunTrust Business deposit account3
  • A SunTrust Business Debit Card
  • Access to Online Cash Manager, our online banking systems for businesses
  • Next-day funding on SunTrust merchant accounts depositing into a SunTrust small business checking account

Avoid a $3 monthly paper statement fee when you stop paper statements. Access your account statement anytime and anywhere digitally through Online Cash Manager.

Plus, avoiding the $5 monthly maintenance fee is simple:

 

If you're a new Simple Business Checking client-then the
monthly maintenance fee will
bewaivedfor the first 12 statement cyclesOR
Make 5 debit or credit
transactions per
month

DISCLAIMERS

1 Some fees may apply. View Fee Schedule.

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 Cash Rewards Redemption: After close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, you may redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit, or (2) an ACH credit to the SunTrust Business deposit account that you designate. Cash Rewards earned on Business Card Accounts that are redeemed through an ACH deposit into a SunTrust Business checking, savings or money market account will receive a Cash Deposit Bonus of 10% or 25% on redemption, depending on your deposit relationship with SunTrust as of the last day of the month preceding redemption, or in some instances, the last day of two months’ prior to redemption (See Program Terms for details), as follows:

  • Clients with SunTrust Business Advantage Plus Demand Deposit Accounts (DDA) will receive a Cash Deposit Bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.

  • All other clients with a SunTrust Business checking, savings or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.

Small Business Resource Center

  • Business Customer Service
    800.752.2515

    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.

  • 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

  • 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