Cuentas corrientes personales

Take your confidence to the next level with the right checking account.

The right checking account can help move you closer to your goals, no matter where you are in life. Whether you want to simply handle monthly bills and everyday purchases, or find new ways to earn perks and rewards, a SunTrust personal checking account is a convenient way to manage your money with confidence.

Want help choosing the right checking account?

Answer a few questions and we’ll recommend the account that best fits your needs.

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Bank How and When You Want

Download the SunTrust Mobile App and make it easy to deposit checks, pay bills or transfer money from your phone.

Earn Cash Back as You Shop

Use your SunTrust credit or debit card when you make purchases at participating retailers to earn personalized rewards.

DESCARGOS DE RESPONSABILIDAD

Balanced Checking

1 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your card account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10% if you redeem through an ACH deposit into a SunTrust deposit account. Clients who redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account will receive a 10% Loyalty Cash Bonus.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 Minimum daily total deposit balance: The sum of the combined daily collected balances in the Balanced Banking account and linked personal deposit accounts including checking, savings, money markets, CDs (excluding SunTrust Index Linked CDs [SILCs]) and IRAs (excluding SunTrust Investment Services, Inc. IRAs).

3 En casos en los que su cuenta tenga un sobregiro, no se le cobrará un cargo por sobregiro. Los artículos se pueden devolver debido a fondos insuficientes (NSF) en la cuenta y el cargo por artículo devuelto se reducirá a $20 por cada transacción de $5 o más, en lugar de los $36 estándar.

Essential Checking

1 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your card account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10% if you redeem through an ACH deposit into a SunTrust deposit account. Clients who redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account will receive a 10% Loyalty Cash Bonus.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards 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, Zelle® 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). Estas transacciones deben constar en su cuenta durante el ciclo de estado de cuenta. Las tarifas bancarias y las transferencias con protección contra sobregiros no están incluidas.

3 Un depósito directo que califique es un crédito electrónico a su cuenta de su salario, pensión, Seguro Social o cualquier otro ingreso mensual regular que sume $500 o más, depositado en su cuenta durante el ciclo del estado de cuenta actual por un empleador o una agencia externa. Las transferencias de una cuenta a otra o los depósitos hechos a sucursales bancarias o cajeros automáticos no califican como depósito directo.

4 Essential Checking Student Waiver proporciona una cuenta corriente sin cargo de mantenimiento mensual por hasta 5 años. Cualquier persona califica como estudiante si asiste a una escuela secundaria, universidad o escuela de comercio o técnica. Se requiere prueba de inscripción activa en una institución educativa que califique. La exención para estudiantes se aplica automáticamente en la apertura de la cuenta y se basa en la fecha de apertura de la cuenta. La exención para estudiantes no se puede aplicar/agregar a una cuenta corriente una vez abierta.

Advantage Checking

1 Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your Card Account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10%, 25%, or 50% if you redeem through an ACH deposit into a SunTrust deposit account. See Program Agreement for details and tier levels as follows:

  • Clients who redeem Cash Rewards through an ACH deposit into any SunTrust checking, savings or money market account will receive a 10% Loyalty Cash Bonus.
  • Clients with a SunTrust Advantage Checking, Signature Advantage Checking, or Exclusive Checking account and meeting one of the following Combined Consumer Deposits and Investment Balances will earn a Loyalty Cash Bonus of:
    • 25% Loyalty Cash Bonus if balances total between $25,000 and $100,000,
    • 50% Loyalty Cash Bonus if balances total greater than $100,000.
  • SunTrust Premier Program or Private Wealth Management clients will receive a 50% Loyalty Cash Bonus. See suntrust.com/premier for details on advisory service levels.

For example, a 10% Loyalty Cash Bonus on $100 in base Cash Rewards would earn an additional $10, totaling $110 in Cash Rewards earnings.

2 Any maintenance fees will be assessed on the following month’s statement unless at least one of the following criteria is met:

  • Have a qualifying Direct Deposit, which is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $3,000 or more deposited to your account during the prior month by your employer or an outside agency. Las transferencias de una cuenta a otra o los depósitos hechos a sucursales bancarias o cajeros automáticos no califican como depósito directo.
  • Hold a total relationship balance of $10,000, which is the sum of balances on the last business day of the month in the Advantage Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc.
  • Link a personal SunTrust Credit Card, Mortgage, or Loan (Including loans done through LightStream).
  • Link an eligible Small Business account which includes, Total Business Banking, Select Business Banking, Business Interest Checking, Business Advantage Plus, Simple Business Checking & Primary Business Checking

3 Interest is calculated and compounded daily on the collected balance and credited to your account monthly.

4 Up to three SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived and three ATM surcharge fees will be refunded for Advantage Checking accounts per statement cycle.

5 Up to four additional Essential Checking accounts are available with no Monthly Maintenance Fee when linked to an Advantage Checking account.

6 Advantage Checking clients are eligible to receive a $25 discount on the annual rental fee of any size Safe Deposit Box. Boxes and box size are subject to availability.

7 There are no fees for incoming Domestic and incoming International wires for Advantage Checking accounts. However, Intermediary financial institutions may deduct fees from incoming international wires, reducing the amount of proceeds credited to your account. Fees may vary. For more information about these fees, please contact us at 800.786.8787.

8 You can receive a 0.25% interest rate reduction off the standard rate of a SunTrust consumer mortgage, Loans and Lines of Credit (excluding LightStream & PhysiciansLoans and Lines of Credit) if your payment is automatically deducted from a SunTrust Advantage Checking account using SurePay℠.

SurePay℠: Loans and Lines of Credit financed through Suntrust with payment automatically deducted from this account using SurePay. SurePay es un pago recurrente y automático establecido desde una cuenta vinculada. Debe tener fondos suficientes en su cuenta bancaria al momento del débito automático.

Centro de recursos de la banca personal

  • Cuentas nuevas

  • Ayuda

  • Giros

       

      Para solicitar más información sobre giros bancarios con SunTrust, llame al 800.947.3786

       

      Instrucciones de SunTrust para transferencias entrantes:

       

      • Para transferencias entrantes nacionales, use el número de ruta ABA: 061000104
      • Para transferencias entrantes internacionales, use el código SWIFT/BIC: SNTRUS3A
      • Número de cuenta del beneficiario: número de cuenta completo de SunTrust
      • Nombre del beneficiario: el nombre tal como aparece en la cuenta de SunTrust

      También puede acceder a las instrucciones para giros bancarios entrantes de SunTrust llamando al 800.947.3786, opción 1