Merchant Services: Customer Loyalty and Analytics

Build lasting relationships with your loyal customers.

As a business owner, you know the true value of a loyal customer and how it can sometimes be difficult to maintain that loyalty. With SunTrust Merchant Services, you can get the technology and tools to better understand your customers’ purchasing patterns, offer targeted promotions and rewards and forge better customer relationships. We’re here to help you get more out of your marketing dollars, so you can grow your customer satisfaction—and your business, too.

Get started toward a better customer experience with these solutions:

Clover Insights

Use real payments data to help you grow your business with The Clover Insights software. It makes it easy for small business owners like you to identify product trends, get a complete view of customer spending and cash transactions and get to know customers and their shopping habits.

Clover Rewards

Clover Rewards makes rewarding your customers easy, simple and straightforward through the Clover™ App Market. This solution is affordable and as familiar as an old-fashioned punch card, helping you connect with customers on their mobile phones. Clover Rewards allows you to reach customers anywhere at anytime, seamlessly connect perks to purchases, customize offers and rewards to fit your business and lets you get to know your shoppers by name and purchase patterns. Get help earning more frequent—and more impactful—visits from customers with Clover Rewards.

Clover Gift Cards

Gift cards will always be in demand. They can drive traffic to your business, increase sales and build brand awareness. Offer the Clover Gift Card program to your customers by downloading the Clover Gift Card app. In minutes customers will enjoy the convenience of giving and receiving mobile gift cards. Boost sales, increase loyalty, and engage your customers with Clover Gift Cards.

To learn about our Merchant Services Solutions call 866.958.6211.


© 2019 SunTrust Merchant Services, LLC. SunTrust Bank, now Truist Bank, Member FDIC. © 2019 Truist Financial Corporation. SunTrust®, Truist, SunTrust Merchant Services, LLC, and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. Merchant services are provided by SunTrust Merchant Services, LLC, an alliance between FDS Holdings, Inc. and Trusit Financial Corporation. All other trademarks, service marks and trade names referenced in this material are property of their respective owners.

EMVTM is a trademark owned by EMVCo LLC.


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