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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.

Small Business Resource Center

  • Business Customer Service

    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