SunTrust Bank Home SunTrust Bank Home

Go beyond business checking with a Total Business Banking account. Recognizing you as a business owner and a consumer, this account provides a business check card, a free consumer checking account and a variety of investment options and more—all for one low monthly fee1.

Total Business Banking Comes with:

  • 300 monthly items2 and $7,000 combined cash processing3
  • Next-day funding on SunTrust merchant accounts depositing to a SunTrust business checking
  • A preferred checking account for your personal use
    Online Check Deposit (implementation fee waived for new Total Business Banking clients4)
  • 10% commission discount on all equity trades through SunTrust Investment Services, Inc., and business investment consultation with SunTrust Investment Services, Inc. representative5
  • Additional 10% earnings into your account when you redeem rewards from your SunTrust Business Credit Card6

Plus, you can waive the monthly maintenance fee if:

    You're a new Primary
    Business Checking
    client-thenno feefor the first two
    statement cyclesOR

    You carry anaverage
    balance of$5,000or more

    Your minimum
    daily balance
    combined with a
    Money Market
    Account is equal to$10,000or more

Otherwise there is a $20 monthly maintenance fee.


1 Total Business Banking requires $5,000 average monthly balance in the Total Business Banking account or $10,000 minimum daily collected balance in a linked business money market account.

2 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.

3 There are fees for exceeding stated limits.

4 One time implementation fee waiver is for new Online Check Deposit clients only. Other Online Check Deposit fees may apply.

5 Stock market investing involves risk, including fluctuating returns and loss of principal. Securities, insurance (including annuities) and other investment products and services are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency.

6 Credit cards are subject to credit approval.

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

  • 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