Business Sweep Account

Maximize returns. Minimize interest expenses. Simplify the day-to-day with SunTrust’s Business Sweep Accounts.

We know that dealing with fluctuations in your business' cash flow takes a lot of daily decision making. Managing daily fluctuations in cash flow is at the heart of efficient cash management. The Business Sweep service automates cash management decisions, making the entire process more efficient and cost-effective by saving time, maximizing investment income and minimizing interest expense.
 
Here’s how it works:
Based on the instructions you provide, Business Sweep will calculate the net availablebalance in your commercial checking account and compare the result to your predetermined target balance at the end of each workday.

  • If your net balance is greater than your target balance, Business Sweep automatically uses any excess funds to pay down your line of credit2, or transfers excess funds into your selected investment vehicle.
  • If your net balance is less than your target balance, Business Sweep automatically transfers funds from your chosen investment vehicle to cover the shortage or borrows the necessary funds against your line of credit.
     

To learn more about Business Sweep, call 800.241.0901.

DISCLAIMERS

1  Available balance means the balance of collected funds in the account, less the dollar amount of such funds subject to any (i) transaction holds, including without limitation, holds for Check Card and ATM Card transactions, cashed checks, and deposited items for which we have received a return notice, (ii) legal holds, and (iii) certain other holds we have placed on the account.

2 All extensions of credit and credit-related services are subject to prior approval.

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