Merchant Services: Transaction Security

Protecting you and your customers is our priority.

Safeguarding your business while still offering convenient payment methods is at the top of your list. And if it’s at the top of your list, it’s at the top of ours. With SunTrust Merchant Services you can help protect transaction information from the security threats associated with accepting credit cards, debit cards and checks.

Here’s what is available to help safeguard your business transactions:

Clover Security

This state-of-the-art security stack helps protect you from hackers and malicious software. It defends your system from cyber attacks, safeguards your customers’ data and provides coverage for your business in the event of a breach. It makes it virtually impossible for cyber criminals to steal card data,* and comprehensively monitors the security of your POS system. Plus, it equips your business to accept new EMV chip-based cards,* while also limiting your liabilities and reducing your PCI compliance burden. 


Add an extra layer of security to your customers’ transactions by accepting EMV-capable cards.  This card technology, which is issued by Visa, MasterCard, and other card brands, contains an embedded microchip to help reduce your losses due to fraud.

Clover Check Acceptance

While you want to offer your customers the convenience of paying with checks, it’s important to consider check processing costs and the possibility of fraudulent activity. That’s why we offer Clover Check Acceptance. Giving you faster access to funds, improving your cash flow and offering simpler reconciliation, it’s the most sophisticated bank check verification system in the industry.

Or call 866.958.6211 to talk with us about protecting your business with Clover Check Acceptance.


© 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.


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  • 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