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Protect your business accounts from overdrafts.

For those times when income and expenses don’t match up, there’s SunTrust Overdraft Protection. By opting in, you’ll never have to worry about bouncing a check or being denied a transaction again. It links your SunTrust business checking or money market account to one of your other SunTrust accounts.1 That way when there’s a problem with insufficient funds, we can take care of it for you on the spot.  
How Does Overdraft Protection Work:
On business accounts linked to a checking or money market account, we will transfer the exact amount you need to complete a transaction, plus any applicable transfer fees.
On business accounts linked to a credit card or line of credit, we will make transfers in $100 increments.
Each overdraft transfer made has a fee of $12.50. The maximum you could receive in a day is one.
Learn more about the different accounts associated with Overdraft Protection.

Call 800.279.4824 to talk with a SunTrust overdraft service expert about the details.


1 Overdraft Protection Service is not available for all SunTrust products or product service areas. Transfer fees for the deposit accounts, Access 3, and the personal or executive line of credit are charged to the protected checking, savings, or money market account. The transfer fee for the SunTrust credit card is charged to the credit card. All advances are subject to funds availability. See your SunTrust representative for details.

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