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Manage your checking accounts with improved speed and accuracy with a Primary Business Checking account. Perfect for businesses with limited transaction activity, this account helps you by providing access to a suite of online tools designed to meet all your cash management needs.

Primary Business Checking with SunTrust comes with:

  • 150 transactions1 and $5,000 in cash processing each month2
  • A SunTrust Business Check Card
  • Monthly Image Statements
  • Next-day funding on SunTrust merchant accounts depositing to a SunTrust business checking
  • Get a 10% cash back bonus when you redeem cash back from your SunTrust Business Credit Card directly into a SunTrust Business deposit account3

Plus, you can waive the monthly maintenance fee if:

    You're a new
    Primary Business Checking
    client - then
    no fee
    for the first two
    statement cyclesOR
    You carry an
    average balance of
    $1,500
    or more


Otherwise there is a $12 monthly maintenance fee.

DISCLAIMERS

1 Items include deposits and deposited items, checks, ATM transactions, Point-of-Sale purchases and ACH debits. Wire transfer transactions and commercial and treasury management transactions may also count against this limit. There are fees for exceeding stated limits.

2 There are fees for exceeding stated cash processing limits.

3 Credit Card Cash Rewards: If you are participating in the Cash Rewards program and your Card account is in Good Standing, during the first 12 month billing cycles after account opening each Qualifying Purchase will earn 5%, of which 1% is the base rate and 4% is a bonus, on the first $2,000 spent during each billing cycle in the aggregate at participating gas stations and office supply retailers [Merchant Category classification (MCC) codes 5021, 5111, 5172, 5541, 5542 and 5543] and 1% in those categories thereafter. The 5% Cash Rewards benefit is only available during the first 12 months after account opening. After the first 12 months you will earn 3%, of which 1% is the base rate and 2% is a bonus on the first $2,000 spent during each billing cycle at participating gas stations and office supply retailers. Wholesale clubs and discount stores
(MCC codes 5300, 5310) will earn 0.25%. All other qualifying purchases will earn 1%. A Qualifying Purchase is determined to qualify for the additional bonus reward rate if
the Participating Merchant assigns the appropriate MCC code to the transaction information received by SunTrust. SunTrust is not responsible for inaccurate reporting by Participating Merchants. After close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, SunTrust will redeem your Cash Rewards in U.S. dollars with a minimum of $25 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit, or (2) an ACH credit to the SunTrust Business deposit account that you designate. Cash Rewards earned on Business Card Accounts that are redeemed through an ACH deposit into a SunTrust Business checking, savings or money market
account will receive a cash back bonus of 10% or 25% on redemption, depending on your deposit relationship with SunTrust as of the last day of the month preceding redemption, or in some instances, the last day of two months’ prior to redemption (See Program Terms for details), as follows:
• Clients with SunTrust Business Advantage Plus Demand Deposit Accounts (DDA) will receive a cash back bonus of 25%. On $100 in base Cash Rewards, these clients
would earn an additional $25, totaling $125 in Cash Rewards earnings.
• All other clients with a SunTrust Business checking, savings or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, these clients
would earn an additional $10, totaling $110 in Cash Rewards earnings.

Small Business Resource Center

  • Business Customer Service
    800.752.2515

    24-hour automated assistance
    800.786.8787 (800.SUNTRUST)

    Online Cash Manager, PC Banking and Bill Pay
    800.382.3232

    TDD (Telephone Device for the Deaf)
    800.854.8965

    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
    GA-Atlanta-0795
    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
    VA-RIC-9292
    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

  • For more details about Wire Transfers with SunTrust, call 1.800.947.3786 - options 1 & 4

    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 1.800.947.3786 - options 1 & 1