Minimum Opening Deposit
A $100.00 deposit is required to open this account.
$100.00
Monthly Service Fee
The Monthly Service Fee of $20.00 can be waived by maintaining a minimum daily balance of $10,000.00 in linked deposits and investments OR $3,000 in total monthly qualifying Direct Deposits OR Have a linked personal SunTrust credit card, mortgage or loan OR have a linked Small Business checking account
$20.00
Annual Percentage Yield (APY)
The account earns 0.01% interest.
0.01%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Debit Card with Rewards
SunTrust Deals-earn cash back when you use your debit card to make purchases at hundreds of participating retailers
$0.00/yr
ATM Fee Reimbursements
This account includes unlimited rebates of ATM fees when you use non-affiliated ATMs.
Yes
Surcharge-Free ATM Access
Yes
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM, after three free uses per statement cycle
$3.00/per use
International ATM Usage Fee
There is a $5.00 fee each time you use a ATM in another country.
$5.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, receive alerts, locate ATMs;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A BlackBerry application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs, and deposit checks;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs, and deposit checks.
Free
Deposit Checks with Mobile Phone
This feature is available on iPhone, iPad and Android mobile applications.
Free
Person-to-Person Payments
PopMoney-free for standard 3 day delivery, $1.00 for next day delivery
Free
Email Alerts
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;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Starter pack of 100 personal checks or 50% off 1st check order of any style check
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Images of canceled checks are included in monthly statements.
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 18 months.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $36.00 fee for a negative balance after 5 calendar days with less than a $0.00 balance. After that, this fee is assessed every 5 days with a negative balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $36.00 per overdraft.
$36.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $12.50. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Transfer fee of $12.50. The transfer fee is charged for every $100.00 of negative balance;- Funds are transferred in fixed increments of $100.00.From a linked Overdraft Line of Credit:- Annual fee of $84.00;- Funds are transferred in fixed increments of $100.00.