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.


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

  • 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