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Product Selector

Whether you're new to SunTrust or looking to upgrade your checking account, it's easy to manage your money on your terms with all of SunTrust's personal checking options. You'll find valuable no-fee features and an account that works for you.

The first step in finding your checking solution is to answer a few questions about your banking needs. Then, our Product Selector Tool will provide the checking account that fits your lifestyle.

Get a Cash Back Bonus.

Earn a bonus of 10%, 25% or more* with the SunTrust Cash Rewards credit card.
*based on deposit relationship

Select the checkboxes below to compare account types.

Find the account that's right for you. Click to compare our popular and premium accounts to find your fit.

Bank anytime, anywhere.

Deposit checks, pay bills and transfer funds directly from your desktop, tablet or smartphone.

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It’s good to save for a rainy day, but better to save for a sunny one.

DISCLAIMERS

Checking Account Features

1 SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-SunTrust accounts.

2 SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply. A SunTrust Online Banking account is required to enroll in any of the Mobile and Tablet Banking services. No fee Mobile Banking and Deposit: SunTrust Mobile Deposit is available for iPhone and Android Mobile Apps and iPad and Android Tablet Apps – only for use in the United States and its territories.

3 No Fee for SunTrust ATM Use. Fees do apply for ATM-printed statements or mini-statements.

4 Zero Liability protection does not apply to ATM transactions or to PIN transactions not processed by MasterCard, or certain commercial card transactions. You must notify us promptly of any unauthorized use.

5 All credit cards are subject to credit approval based upon your credit history and other factors. Additional terms and conditions apply, which SunTrust will provide to you when you become an enrolled program member. See the MasterCard Benefits Guide you will receive with your new card when you become a cardholder.

 

Essential Checking

1 Cash Rewards Redemption: After the 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 deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, you would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 Banking Transactions include: Deposit and withdrawal transactions made (includes transactions such as those made with the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, Popmoney transfer, ACH debit or credit, online bill pay, mobile bill pay, check, or Debit Card purchases including PIN Point of Sale (POS) and signature-based purchases). These transactions must be posted to your account during the statement cycle. Bank fees and overdraft protection transfers are not included.

3 A qualifying Direct Deposit is a Direct Deposit of your salary, pension, Social Security or other regular monthly income of $500 or more per deposit electronically deposited to your account during the statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.

4 The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to 5 years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools.  Proof of active enrollment in a qualifying educational institution is required.  The Student Waiver is applied automatically at account opening and based on Account Opening Date.  The Student Waiver cannot be applied/added-on to a checking account once it is opened.

 

Select Checking

1 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Select Checking.

2 No fee for two non-SunTrust ATM transactions per statement cycle. Refer to Personal Deposit Accounts Fee Schedule for additional information.

3 Cash Rewards Redemption: After the 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 deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a SunTrust checking, savings, or money market account will receive a cash back bonus of 10%. On $100 in base Cash Rewards, you would earn an additional $10, totaling $110 in Cash Rewards earnings.

4 A qualifying Direct Deposit is a Direct Deposit of your salary, pension, Social Security or other regular monthly income of $2,000 or more per deposit electronically deposited to your account during the statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.

5 Total Relationship Balance: The sum of balances in the Select Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities), SunTrust installment loans and equity lines of credit, including credit card, and SunTrust Mortgage.

 

Signature Advantage Checking

1 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Signature Advantage.

2 Fees are waived for use of non-SunTrust ATMs and you receive unlimited refunds for ATM fees from other institutions.

3 If you redeem your Cash Back for ACH credit into a SunTrust checking, savings, or money market account, you will receive a Cash Back Bonus of 10%.

For clients with Signature Advantage accounts and $100,000 or more in combined consumer deposits and investment balances as of the last business day of the prior month, a reduced annual fee of $25 will apply. For clients of the SunTrust Premier Program, a reduced fee of $25 will apply. For SunTrust Private Wealth Management Clients, the annual fee will be discounted to $0. For cards opened before July 25, 2015 and not associated with a Signature Advantage account, the annual fee is $95. The reduced annual fee for certain client segments applies regardless of deposit account type. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date.

Can link balances across deposits & investments to achieve $25,000 minimum. The sum of balances in the Signature Advantage Banking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), Trust accounts, IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities).

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