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The Basics
Debit Cards & Using ATMs
This account includes the following debit card reward program options:
- 'SunTrust Rewards' program to earn points for gifts and other items. There is no annual fee for this card;
- 'SunTrust SkyMiles CheckCard' lets you earn points towards travel with Delta. Suntrust offers 3 versions of this Rewards Program. Their annual fees range from $20.00 - $55.00.
- 'SunTrust Rewards' program to earn points for gifts and other items. There is no annual fee for this card;
- 'SunTrust SkyMiles CheckCard' lets you earn points towards travel with Delta. Suntrust offers 3 versions of this Rewards Program. Their annual fees range from $20.00 - $55.00.
There is a $2.00 fee each time you use a non-affiliated ATM.
There is a $5.00 fee each time you use a ATM in another country.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0;
- Reminders that bills are coming due for payment;
- Confirmation that bills have been paid;
- Daily balance alerts.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0;
- Reminders that bills are coming due for payment;
- Confirmation that bills have been paid;
- Daily balance alerts.
Online Billpay
Free
This institution supports downloadable apps for the iPhone and for other phones. These apps allow you to:
- View account balances
- View recent account activity
- Transfer funds between your accounts
- And pay bills.
- View account balances
- View recent account activity
- Transfer funds between your accounts
- And pay bills.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken, QuickBooks and MS Money. There is a fee of $5.95 per month for this feature.
Checks & Statements
Unlimited Check Writing
Yes
Free initial small package of standard checks.
Monthly Paper Statements
Yes
There is a $1.00 monthly fee to receive images of canceled checks with monthly statements.
Electronic Statements
Yes
Images of canceled checks can be viewed online for 18 months.
Overdrawing the Account
The Insufficient Funds Fee is $25 for your first overdraft and $36 for each overdraft after that in a 12 month period.
This checking account has 4 options for Overdraft Protection.
From a linked Savings Account, Alternate Checking Account, Line of Credit, or Credit Card:
- Transfer fee of $10.00. The transfer fee is charged each day overdraft protection is used.
- Funds are transferred (or advanced) in fixed increments of $100.00.
- Transfer fee of $10.00. The transfer fee is charged each day overdraft protection is used.
- Funds are transferred (or advanced) in fixed increments of $100.00.
Savings and Money Market Accounts
'Advantage Money Market' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.30% at $25,000.00
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.30% at $25,000.00
The account has a monthly service fee of $15.00. This fee can be waived if you maintain a minimum balance of $5,000.00.
'Live Solid Savings' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.25% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.25% at $25,000.00
- 0.25% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.25% at $25,000.00
The account has a monthly service fee of $5.00. This fee can be waived if you maintain a minimum balance of $1,000.00 OR with a monthly auto transfer from your Suntrust checking account of $25 or more.
'Personal Savings' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.05% at $25,000.00
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.05% at $25,000.00
The account has a monthly service fee of $4.00. This fee can be waived if you maintain a minimum balance of $300.00 OR if you schedule an automatic transfer from checking of at least $5.00.
How does SunTrust Compare?
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All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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