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Have greater control over a variety of cash flow needs with an Analyzed Business Checking account. It’s the perfect account for businesses with moderate to high transaction volumes, high checking balances and complex cash-management needs.

Analyzed Business Checking comes with:

  • Our most competitive Earnings Credit Rate (ECR)1, to help reduce or eliminate service charges
  • Special statement cycles that can be tailored to your business needs
  • The ability to consolidate accounts into a single relationship and transaction
  • Details from all your accounts in one monthly statement, including all Treasury Management product usage and volumes, and a breakdown of deposits and withdrawals
  • The ability to monitor activity in your accounts and balance levels to improve returns and evaluate the cost-effectiveness of your treasury activities
  • A la carte pricing to help eliminate the need to sustain balance levels or limit activity within item thresholds
  • No transaction volume limitations


1 At the end of each month, SunTrust sets an Earnings Credit Rate (ECR). Using the SunTrust ECR, we calculate the value of the Earnings Credit on the balances (sometimes referred to as value of balances) in your account and apply that value against service activity expenses. The ECR used for the analysis period is always displayed on the account analysis statement. SunTrust uses the following calculation to derive the value of Earnings Credit on available balance: average available balance x ECR  ÷ days in the year x days in the month = Earnings Credit on Average Available Balance. Average available balance is calculated by subtracting related reserves, if applicable, from the average positive collected balance.

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