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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. We also know that it never pays to make hasty decisions. That's where Business Sweep comes in. It’s a fully-automated cash management solution that saves staff time while minimizing interest payments and the cost of holding cash. And because Business Sweep processing occurs at the end of each day, you'll never need to predict what the day's income or expenses are going to be.
Here’s how it works:
Based on the instructions you provide, Business Sweep will calculate the net available1 balance 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.


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

  • 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.

  • 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 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