Personal Deposit Accounts Fee Schedule
SunTrust Bank: AL, AR, DC, FL, GA, MD, MS, NC, SC, TN, VA, WV, Online Sales (accounts opened through suntrust.com)
®
Signature Advantage Checking
Minimum Daily Total Qualifying Balance
Monthly Maintenance Fee
$25,000 or more
None
$24,999.99 or less
$25.00
– Minimum Opening Deposit: $100
– Minimum Daily Total Qualifying Balance: The sum of balances in the Signature Advantage Checking account PLUS statement linked SunTrust deposit accounts (checking,
savings, money market, or CDs), Trust accounts and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc.
– Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier 1- $9,999.99 or less; Tier 2- $10,000 to $24,999.99; Tier 3- $25,000 to $49,999.99; Tier
4- $50,000 to $99,999.99; Tier 5- $100,000 to $249,999.99; Tier 6- $250,000 to $499,999.99; Tier 7- $500,000 to $999,999.99; Tier 8- $1,000,000 to $1,999,999.99; Tier 9$2,000,000 or more.
– Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account monthly.
– Check Images: Check images are returned with the combined statement and paid checks cannot be returned.
®
SunTrust Investment Services, Inc. Signature Advantage Brokerage
Minimum Total Qualifying Balance
Monthly Maintenance Fee
$25,000 or more
None
$24,999.99 or less
$25.00
Annual Maintenance Fee
$100.00
(waived with $250,000 or more in
Minimum Combined Balance OR
$500,000 or more in
Total Relationship Balance)
– Minimum Opening Deposit: $100
– Minimum Combined Balance: The sum of balances in the Signature Advantage core cash option and the market value of the associated Brokerage account introduced through
SunTrust Investment Services, Inc. (includes annuities).
– Minimum Total Qualifying Balance: The sum of balances in the Signature Advantage Checking account PLUS statement linked SunTrust deposit accounts (checking, savings,
money market, or CDs), Trust accounts and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc.
– Total Relationship Balance: The sum of balances in the Signature Advantage core cash option PLUS statement linked SunTrust deposit accounts (checking, savings, money
market, CD, or IRA), Trust accounts, IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (includes annuities), SunTrust installment and equity loans
or lines of credit, including credit card, and SunTrust mortgage.
– Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier 1- $9,999.99 or less; Tier 2- $10,000 to $24,999.99; Tier 3- $25,000 to $49,999.99; Tier
4- $50,000 to $99,999.99; Tier 5- $100,000 to $249,999.99; Tier 6- $250,000 to $499,999.99; Tier 7- $500,000 to $999,999.99; Tier 8- $1,000,000 to $1,999,999.99; Tier 9$2,000,000 or more.
– Interest Calculation: Interest for the FDIC-Insured interest bearing option is calculated and compounded daily on the collected balance and credited to your account monthly.
– Check Images: Check images are returned with the combined statement and paid checks cannot be returned.
– Brokerage Commission and Fee Schedule: Refer to your SunTrust Investment Services, Inc. Commission and Fee Schedule for commissions and fees that may apply.
– Investment and Insurance Products:
•Are not FDIC or any other Government Agency Insured •Are not Bank Guaranteed •May Lose Value
Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products (including checking accounts) and services are provided by SunTrust Bank, Member
FDIC. Securities, insurance (including annuities) and other investment services (including Brokerage accounts) are offered by SunTrust Investment Services, Inc., an SEC registered
investment adviser and broker-dealer, member FINRA, SIPC and a licensed insurance agency.
Select Checking
Total Monthly
Qualifying
Direct Deposit
Minimum Daily
Collected Balance
Total Relationship
Balance
Linked Small Business
Checking Account
Monthly Maintenance Fee
$2,000 or more
OR
$2,000 or more
OR
$10,000 or more
OR
Yes
None
$1,999.99 or less
AND
$1,999.99 or less
AND
$9,999.99 or less
AND
No
$15.00
– Minimum opening deposit: $100.
– Direct Deposit: A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $2,000 or more
deposited to your account during the prior month 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. Any maintenance fees will be assessed on the following month’s statement.
– Minimum Daily Collected Balance: The balance in the Select Checking account.
– 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 lines of credit, including credit card, or
have a SunTrust Mortgage where the monthly payment is auto deducted through SurePaySM.
– SunTrust Mortgage with SurePaySM: SunTrust mortgage with payment automatically deducted from SunTrust checking account using SurePay. SurePay is an automatic, recurring
payment set up from your linked account. Sufficient funds must be in your bank account at the time of automatic debit.
– SurePaySM: Monthly electronic debit via ACH of SunTrust Mortgage loan payment from this account. Sufficient funds must be in your bank account at time of automatic debit.
– Monthly maintenance fee waived with a linked Total Business Checking or Business Advantage Plus account only.
– Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier 1 – $2,499.99 or less; Tier 2 – $2,500 to $9,999.99; Tier 3 – $10,000 to $24,999.99; Tier 4
– $25,000 or more.
– Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account monthly.
– Check Safekeeping is a standard feature of this product. Check Image Statement is available for $3 per month.
Balanced Banking
®
Minimum Daily Total Deposit Balance
Monthly Maintenance Fee
$3,000 or more
None
$2,999.99 or less
$12.00
– Minimum opening deposit: $100.
– Minimum Daily Total Deposit Balance: The sum of combined daily collected balances in the Balanced Banking account, PLUS statement linked SunTrust deposit accounts
(checking, savings, money market, CDs, and IRAs). Excludes SunTrust Index Linked CDs – SILC and IRAs provided by SunTrust Investment Services, Inc.
– Check Safekeeping is a standard feature of this product. Check Image Statement is available for $3 per month.
SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. SUNTRUST, SUNTRUST MORTGAGE, SUREPAY and the SunTrust logo are
trademarks of SunTrust Banks, Inc. All rights reserved.
Effective August 3, 2018.
1
Personal Deposit Accounts Fee Schedule
SunTrust Bank: AL, AR, DC, FL, GA, MD, MS, NC, SC, TN, VA, WV, Online Sales (accounts opened through suntrust.com)
Essential Checking
Banking Transactions per
Statement Cycle
Minimum Daily
Collected Balance
Total Monthly Qualifying
Direct Deposit
Monthly Maintenance Fee
10 or more
OR
$500 or more
OR
$500 or more
None
9 or less
AND
$499.99 or less
AND
$499.99 or les
s
$7.00
– Minimum opening deposit: $100.
– Banking Transactions: Deposit or 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, 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). Bank fees and overdraft protection transfers are not included.
– Minimum Daily Collected Balance: The balance in the Essential Checking account.
– Direct Deposit: A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $500 or more
deposited to your account during the prior month 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.
– Paperless Online Statement: Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper
account statements through U.S. mail, or a $3 monthly fee applies. Online Banking is required to access paperless online statements.
– Both the stated number of client initiated transactions and paperless online statement are required to avoid the monthly maintenance fee.
– Student Waiver: 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.
MONEY MARKET ACCOUNTS
Signature Money Market Savings
Minimum Daily
Collected Balance
Monthly Automatic Transfer from a
SunTrust personal checking account
Monthly Maintenance Fee
Excessive Withdrawal Fee
$15 per withdrawal over 6 with a
maximum of 6 per statement
cycle1
$5,000 or more
OR
$100 or more
None
$4,999.99 or less
AND
$99.99 or less
$15.00
– Minimum opening deposit: $100.
– Monthly Automatic Transfer: Automatic transfers must come from a SunTrust personal checking account. ATM transactions and over the counter transactions do not apply.
– Transaction Limitations: Federal banking regulations limit you to six pre-authorized, telephone or on-line transfers to your other SunTrust Bank accounts or to third parties.
Additionally, this limitation includes checks, drafts or similar orders you make payable to a third party. The limitation applies per statement period. Due to IRS regulations, these
transfer options are not available for money market IRAs. In determining when a transfer is made, Bank will use the date the transfer is paid. If you routinely exceed these
withdrawal limitations, the bank may close the account or convert it to a checking account. The foregoing limitations do not apply to withdrawals made by you or transfer to other
accounts, which you have with us when these transfers are made by messenger, in person, or through ATMs. The federal regulatory limit applies regardless of account balance.
– Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier 1-$2,499.99 or less; Tier 2- $2,500 to $9,999.99; Tier 3-$10,000 to $24,999.99; Tier 4$25,000 to $49,999.99; Tier 5-$50,000 to $99,999.99; Tier 6-$100,000 to $249,999.99; Tier 7-$250,000 to $499,999.99; Tier 8-$500,000 to $999,999.99; Tier 9- $1 million or
more.
– Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Fees may reduce earnings.
– Check Safekeeping is a required feature of this product.
– Account is not intended to be set up as a Minor Account.
1
The excessive withdrawal fee applies, regardless of the balance, to transactions such as debit card transactions, checks, electronic transactions (ACH), automatic payments, Bill
Payments, Overdraft Protection transfers, Online and Mobile/tablet deposit account transfers, and wire transfers.
SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. SUNTRUST, SUNTRUST MORTGAGE, SUREPAY and the SunTrust logo are
trademarks of SunTrust Banks, Inc. All rights reserved.
Effective August 3, 2018.
2
Personal Deposit Accounts Fee Schedule
SunTrust Bank: AL, AR, DC, FL, GA, MD, MS, NC, SC, TN, VA, WV, Online Sales (accounts opened through suntrust.com)
SAVINGS ACCOUNTS
Select Savings
Minimum Daily
Collected Balance
$1,000 or more
OR
Monthly Automatic Transfer from a
SunTrust personal checking account
$25.00 or more
$999.99 or less
AND
$24.99 or less
Monthly Maintenance Fee
Excessive Withdrawal Fee
None
$6 per withdrawal over 6 with a
maximum of 6 per month1
$7.00
– Minimum opening deposit: $100.
– Monthly Automatic Transfer: Automatic transfers must come from a SunTrust personal checking account. ATM transactions and over the counter transactions do not apply.
– Transaction Limitations: Federal banking regulations limit you to six pre-authorized, telephone or on-line transfers to your other SunTrust Bank accounts or to third parties.
Additionally, this limitation includes drafts or similar orders you make payable to a third party. The limitation applies per statement cycle for monthly statements or calendar month
for quarterly statements. In determining when a transfer is made, the bank will use the date the transfer is paid. If you routinely exceed these withdrawal limitations, the bank may
close the account or convert it to a checking account. The foregoing limitations do not apply to withdrawals made by you or transfer to other accounts, which you have with us when
these transfers are made by messenger, in person, or through ATMs. The federal regulatory limit applies regardless of account balance.
– Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. Fees may reduce earnings.
– Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier 1 – $2,499.99 or less; Tier 2 – $2,500 to $9,999.99; Tier 3 – $10,000 to $24,999.99; Tier 4 $25,000 to $49,999.99; Tier 5 – $50,000 or more.
– Earn an annual 1.00% bonus up to $25. Bonus is calculated on the 12-month average ledger balance of the Select Savings account when the account is linked with a Select
Checking or Signature Advantage Checking account. Bonus will be credited to the Select Savings account on the anniversary of the account open date. Select Savings and Select
Checking or Signature Advantage Checking accounts must be open and in good standing on the date that the bonus is paid to receive the bonus. Select Savings is limited to one
account per client.
– Account is not intended to be set up as a Minor Account.
1
The excessive withdrawal fee applies, regardless of the balance, to transactions such as debit card transactions, checks, electronic transactions (ACH), automatic payments, Bill
Payments, Overdraft Protection transfers, Online and Mobile/tablet deposit account transfers, and wire transfers.
Personal Savings
Minimum Daily
Collected Balance
$300 or more
$299.99 or less
Monthly Automatic Transfer from a
SunTrust personal checking account
Monthly Maintenance Fee
$5.00 or more
None
$4.99 or less
$4.00
(may be waived1 for a minor
under age 18)
OR
AND
Excessive Withdrawal Fee
$6 per withdrawal over 6 with a
maximum of 6 per month2
– Minimum opening deposit: $100. Minor Accounts (under age 18): $25.
– Monthly Automatic Transfer: Automatic transfers must come from a SunTrust personal checking account. ATM transactions and over the counter transactions do not apply.
– Transaction Limitations: Federal banking regulations limit you to six pre-authorized, telephone or on-line transfers to your other SunTrust Bank accounts or to third parties.
Additionally, this limitation includes drafts or similar orders you make payable to a third party. The limitation applies per statement cycle for monthly statements or calendar month
for quarterly statements. In determining when a transfer is made, the bank will use the date the transfer is paid. If you routinely exceed these withdrawal limitations, the bank may
close the account or convert it to a checking account. The foregoing limitations do not apply to withdrawals made by you or transfer to other accounts, which you have with us when
these transfers are made by messenger, in person, or through ATMs. The federal regulatory limit applies regardless of account balance.
– Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. Fees may reduce earnings.
1
Monthly maintenance fee waiver for an account holder under age 18 (minor) requires that the account be set up as Minor By or Uniform Transfer to Minor Act (UTMA) or Uniform Gift
to Minors Act (UGMA).
2
The excessive withdrawal fee applies, regardless of the balance, to transactions such as debit card transactions, checks, electronic transactions (ACH), automatic payments, Bill
Payments, Overdraft Protection transfers, Online and Mobile/tablet deposit account transfers, and wire transfers.
Essential Savings
Minimum Daily
Collected Balance
Monthly Maintenance
Fee
None
None
Paper Statement Fee
$3.00
(no charge with Paperless Online Statement)1
Excessive Withdrawal Fee
$6 per withdrawal over 6 with a maximum of 6
per month2
– Minimum Opening Deposit: None.
Must maintain a balance of $0.01 to avoid account closure.
– Transaction Limitations: Federal banking regulations limit you to six pre-authorized, telephone or on-line transfers to your other SunTrust Bank accounts or to third parties.
Additionally, this limitation includes drafts or similar orders you make payable to a third party. The limitation applies per statement cycle for monthly statements or calendar month
for quarterly statements. In determining when a transfer is made, the bank will use the date the transfer is paid. If you routinely exceed these withdrawal limitations, the bank may
close the account or convert it to a checking account. The foregoing limitations do not apply to withdrawals made by you or transfer to other accounts, which you have with us when
these transfers are made by messenger, in person, or through ATMs. The federal regulatory limit applies regardless of account balance.
– Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. Fees may reduce earnings.
– Account is not intended to be set up as a Minor Account.
1
Paperless Online Statement: Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account
statements through U.S. mail. If a client does not select the option to opt out of paper statements in Online Banking a paper statement fee will be charged. Online Banking is required
to access paperless online statements.
2
The excessive withdrawal fee applies, regardless of the balance, to transactions such as debit card transactions, checks, electronic transactions (ACH), automatic payments, Bill
Payments, Overdraft Protection transfers, Online and Mobile/tablet deposit account transfers, and wire transfers.
Note: The minimum daily collected balance referenced in this schedule is the current daily ledger balance less the amount of any checks deposited that are in the process of being
collected. The average monthly collected balance is calculated by adding the collected balance for each day of the statement period and dividing that figure by the number of days in
the statement period. The Current Balance (or Ledger Balance) is the actual balance in your account on a specific day and does not reflect any holds or pending transactions
(transactions not yet posted).
SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. SUNTRUST, SUNTRUST MORTGAGE, SUREPAY and the SunTrust logo are
trademarks of SunTrust Banks, Inc. All rights reserved.
Effective August 3, 2018.
3
Personal Deposit Accounts Fee Schedule
SunTrust Bank: AL, AR, DC, FL, GA, MD, MS, NC, SC, TN, VA, WV, Online Sales (accounts opened through suntrust.com)
MISCELLANEOUS SERVICES AND FEES
Deposit Services
1
Overdraft (OD)/Returned Item fee
Returned Item Fee for Balanced Banking Accounts
SunTrust will limit total Overdraft and Returned Item fees to 6 per day.
SunTrust will waive overdraft/returned item fees on transactions that are less than $5.
Extended Overdraft Fee2
Stop Payment Fee
Screen Print Statement Fee
Deposited Item Returned Penalty
– Domestic Item
– International Item
Overdraft Assurance Line of Credit Product Fee
Overdraft Protection Transfer (maximum one per day)
– For accounts linked to a credit card or line of credit, $100 transfer increments (based on balance availability)
– For all accounts linked to a checking, savings, or money market account, the amount transferred is the exact amount of the
overdraft plus any applicable transfer fees (based on balance availability)
Excessive Withdrawal Fees
– Money Market Accounts3
– Savings Accounts
3
$36.00 per item
$20.00 per item
$36.00
$36.00 each
$5.00 per statement
$12.50 per item
$40.00 per item
$7.00 per month
$12.50 per transfer
(not applicable for accounts protected by
Overdraft Assurance)
$15 per withdrawal over 6 with a maximum of 6
per statement cycle
$6 per withdrawal over 6 with a maximum of 6
per month
Closed Account Processing (only 1 closed account processing fee applies)
– Account closed within first 6 months
– Account closed in overdraft
Dormant Account (FL accounts only)4
Special Mail Handling (FL accounts only)
– Hold Mail (branch pickup)
– Returned Mail
– International Mail
$25.00
$30.00
$15.00 per month
$25.00 per month
$5.00 per month
$5.00 per month
1
This fee applies to overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means. Three Overdraft/Returned items will be waived in a rolling
12-month period for Signature Advantage accounts.
2
This fee will be imposed on the 5th day when your account balance remains overdrawn for 5 consecutive business days. This fee does not apply to Balanced Banking accounts.
3
The excessive withdrawal fee applies, regardless of the balance, to transactions such as debit card transactions, checks, electronic transactions (ACH), automatic payments, Bill
Payments, Overdraft Protection transfers, Online and Mobile/tablet deposit account transfers, and wire transfers.
4
$15 per month after 12 months of client inactivity and at least one month of return mail (Florida accounts only).
Research Services
Item/Statement Photocopy1 (If Check Safekeeping, first three copies provided at no charge each statement period.)
Bonds
– Returned Bond Coupon
Domestic Collections
– Incoming/Outgoing2
– Returned Item
– Tracers/Telex Inquiries
International Collections
– Incoming/Outgoing3
– Returned Item
– Tracers/Telex Inquiries
Verification of Deposit
$5.00 per copy
$35.00 per envelope
$20.00 per item plus $25.00 courier fee
$20.00 per item plus $25.00 courier fee
$5.00 per inquiry after 1 (one)
$60.00 per item plus $25.00 courier fee
$40.00 per item plus $25.00 courier fee
$20.00 per inquiry after 1 (one)
$30.00 per client per request
1
Fee is charged for each statement or copy of individual items requested such as a check or deposit slip. No charge for Signature Advantage accounts.
Outgoing Domestic Collections are charged the $25 courier fee is assessed when the bank is required to mail via FedEx, or the item exceeds $100,000.
Outgoing International Collections are charged the $25 courier fee is assessed when the item exceeds $500.
2
3
SunTrust Money Services
Checks Cashed
– Government Payroll Checks
– Personal Checks
1% of the check face-value ($3.00 minimum)
3% of the check face-value ($3.00 minimum)
Note: SunTrust will assess a $7 fee for any non-SunTrust client cashing a SunTrust check. This
fee will not be assessed if the face value of the check is $50 or less.
Wire Transfer Services
– Incoming Domestic
– Incoming International¹
– Outgoing Domestic
– Outgoing International
Automated*
– Domestic Repetitive
– Domestic Standing Order
– International Repetitive
Exception Processing
$15.00 per transfer
$30.00 per transfer
$25.00 per transfer
$50.00 per transfer
$20.00
$10.00
$50.00
$10.00 additional fee
Wire Transfer Notification
– Mail
$1.00
– Fax
$2.00
– Telephone
$5.00
– Swift/Telex
$5.00
Tracers/Investigations
$25.00
SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. SUNTRUST, SUNTRUST MORTGAGE, SUREPAY and the SunTrust logo are
trademarks of SunTrust Banks, Inc. All rights reserved.
Effective August 3, 2018.
4
Personal Deposit Accounts Fee Schedule
SunTrust Bank: AL, AR, DC, FL, GA, MD, MS, NC, SC, TN, VA, WV, Online Sales (accounts opened through suntrust.com)
MISCELLANEOUS SERVICES AND FEES continued
*Excludes PC-initiated wire transfers
¹Intermediary financial institutions may deduct additional 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.
Note: If transactions are in a currency other than U.S. dollars, the exchange rate for the transaction currency used by SunTrust for processing such foreign transactions is either (a) a
rate selected by SunTrust from the range of rates available in wholesale currency markets for the applicable transaction processing date, which rate may vary from the rate SunTrust
itself receives or (b) the government mandated rate in effect for the applicable transaction processing date, increased by up to three percent (3%). If a credit is subsequently given for
a transaction, it will be decreased by up to three percent (3%). If the credit has a different transaction processing date, then the exchange rate of the credit can be greater/less than
that of the original transaction. The currency conversion rate on the day before the transaction processing date may differ from the rate in effect at the time of the transaction or on the
date the transaction is posted on the Account. The converted amount shall be provided in U.S. dollars for deposit in your SunTrust account.
Miscellaneous Services
1
Official Check
1
Money Order
International Bank Draft
Legal Process (IRS levy, state levy or writ of garnishment)
$8.00 per item ($15.00 per item for non-clients)
$5.00 per item ($10.00 per item for non-clients)
$25.00 per item
$100.00 per notice (or maximum amount allowed under the law, whichever is less)
1
No charge for Select Checking and Signature Advantage accounts.
ELECTRONIC BANKING SERVICES
Automated Teller Machines (ATMs)
SunTrust ATMs
– Per withdrawal, balance inquiry or transfer
– Full statement (where available)1
– Mini statement1
Other ATM Networks2 (where accepted)
– ATMs located in the U.S.
– ATMs located outside the U.S.
No additional fee
$2.00
$1.00
$3.00 per withdrawal, balance inquiry, or transfer
$5.00 per withdrawal, balance inquiry, or transfer
Publix-Presto! ATMs2
– Debit Cards and ATM Cards issued in Georgia used at machines in Georgia
– Debit Cards and ATM Cards issued in Georgia used at machines outside Georgia
– Debit Cards and ATM Cards issued outside Georgia or issued online through suntrust.com used at machines in or outside
Georgia
No additional fee
$2.50 per withdrawal, balance inquiry, or transfer
$2.50 per withdrawal, balance inquiry, or transfer
Daily ATM withdrawal and point of sale purchase limits3
– SunTrust Classic Debit Card
– SunTrust Gold Debit Card
– SunTrust World Debit Card
Withdrawal
$500
$1,000
$2,500
Purchase
$3,000
$5,000
$30,000
SunTrust reserves the right (either directly or through processors) to provide new debit card numbers (issued due to lost/stolen/natural expiration) to merchants you have authorized to
utilize your current debit card account for recurring transactions.
1
SunTrust ATM fees do not apply to Signature Advantage accounts.
ATMs owned by non-SunTrust institutions may also add a surcharge to the amount of the withdrawal or charge a fee for a balance inquiry even if the transfer or withdrawal is not
completed. SunTrust fees assessed for transactions done at non-SunTrust ATMs are waived and all ATM surcharge fees will be refunded for Signature Advantage accounts.
3
A day is defined as 4:00 p.m. to 4:00 p.m. Eastern time the following day. Mastercard® cash advances, other than ATM withdrawals, obtained with your SunTrust Debit Card are limited
to $1,000 per day. An amount equal to 100% of a deposit made at a SunTrust ATM, up to a daily maximum of $100, is available for immediate withdrawal at an ATM; this amount may
not be accessed through any other means until the deposit is verified.
2
Note: If the Card (including ATM and Debit Cards) is used for transactions in a currency other than U.S. dollars, the exchange rate between the transaction currency and the billing
currency used by Mastercard® for processing such foreign transactions is either (a) a rate selected by Mastercard® from the range of rates available in wholesale currency markets for the
applicable transaction processing date, which rate may vary from the rate Mastercard® itself receives or (b) the government mandated rate in effect for the applicable transaction
processing date, increased by up to three percent (3%). If a credit is subsequently given for a transaction, it will be decreased by up to three percent (3%). If the credit has a different
transaction processing date, then the exchange rate of the credit can be greater/less than that of the original transaction. The currency conversion rate on the day before the
transaction processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted on the Account. The converted amount shall be
provided in U.S. dollars. Cirrus and Maestro are Mastercard® network brands and transactions processed on these networks are also subject to rates detailed above.
Delta SkyMiles Debit Card Annual Fee
The Delta SkyMiles World Debit Card Annual Fee is $75 for clients with a Sum of Balances that is LESS than $100,000 as of the last business day of the prior month. (Sum of Balances
includes total deposits in the Signature Advantage Checking account PLUS statement linked SunTrust deposit accounts (checki
ng, savings, money market, or CDs), Trust accounts
and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc.). For clients with a Sum of Balances of $100,000 or MORE as of the last business day of the
prior month, a reduced annual fee of $25 will apply. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For clients of the SunTrust Premier
Program, a reduced fee of $25 will apply. For SunTrust Private Wealth Management Clients1, 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.
1
SunTrust Private Wealth Management is a marketing name used by SunTrust Banks, Inc. and the following affiliates: Banking and trust products and services, including investment
advisory products and services, are provided by SunTrust Bank. Securities insurance (including annuities) and other investment products and services are offered by SunTrust
Investment Services, Inc., an SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency.
SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. SUNTRUST, SUNTRUST MORTGAGE, SUREPAY and the SunTrust logo are
trademarks of SunTrust Banks, Inc. All rights reserved.
Effective August 3, 2018.
5
Personal Deposit Accounts Fee Schedule
SunTrust Bank: AL, AR, DC, FL, GA, MD, MS, NC, SC, TN, VA, WV, Online Sales (accounts opened through suntrust.com)
ELECTRONIC BANKING SERVICES continued
Online Banking and PC Banking
Online Banking with Bill Pay (unlimited access)
– Online Banking
– Bill Pay (standard)
– Expedited Bill Pay – Same Day Bill Pay
– Expedited Bill Pay – Overnight Check
Online External Transfers
– Transfer from your accounts at other financial institutions
1
– Standard Transfer to your accounts at other financial institutions
– Next Day Transfer to your accounts at other financial institutions
®
2
Online Zelle (Person to Person) Transfers
– Send (Money Transfer to other People)
– Request (Money Request sent to other People)
– Split (Money Request with other People)
– Stop Payment Fee for Zelle Transfers*
PC Banking (unlimited access)
3
– With Bill Pay
3
– Without Bill Pay
No charge
No charge
$4.95
$14.95
No charge
$3.00 per transfer
$6.00 per transfer
No charge
No charge
No charge
No charge
$9.95 per month
$5.95 per month
*Money Transfer Transactions that are in process cannot be cancelled or stopped. However, if a recipient is not yet enrolled with Zelle you may have the opportunity to stop the
transaction.
1
No fee for up to three transactions per rolling 30-day period for Signature Advantage accounts.
2
Must have a bank account in the U.S. to use Zelle®. Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled with Zelle, it could take 1 to 3 business
days to receive the money once the enrollment is completed. To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle.
Transaction limitations apply.
3
No monthly fee for Signature Advantage accounts. No fee for Bill Pay for 90 days for all other accounts.
Customer Service
Telephone Banking
800.SUNTRUST (800.786.8787)
SunTrust Bank, Member FDIC. ©2018 SunTrust Banks, Inc. SUNTRUST, SUNTRUST MORTGAGE, SUREPAY and the SunTrust logo are
trademarks of SunTrust Banks, Inc. All rights reserved.
Effective August 3, 2018.
6
What You Need to Know about Overdrafts and Overdraft Fees
Federal Banking regulations on overdraft coverage impact all consumer accounts. These regulations give each
consumer a choice on how to manage their accounts.
An overdraft occurs when you do not have enough money in your
account to cover a transaction, but the bank pays it as a courtesy.
SunTrust can cover your overdrafts in two different ways:
1. We have standard overdraft practices that come with
your account.
2. We also offer overdraft protection plans, such as a link to a
savings, money market, or another checking account, line of
credit, or credit card, which may be less expensive than our
standard overdraft practices.
The remainder of this notice explains our standard overdraft
practices.
What are the standard overdraft practices that come with
my account?
Unless you request this specific overdraft coverage service, banks
will not be allowed to pay overdrafts and assess a fee for:
• ATM transactions
• Everyday debit card transactions
Your request allows SunTrust to consider paying the overdraft for
which you will incur a fee. This is your choice. If you do not request
this service, or if SunTrust chooses not to authorize the overdraft,
your transaction will be declined.
The following types of transactions are not affected by these rules.
We may authorize and pay overdrafts on these transactions and
fees may be incurred.
• Checks and other transactions made using your checking
account number
• Automatic bill payments
SunTrust pays overdrafts at our discretion, which means that we do
not guarantee that we will always authorize and pay any type of
transaction.
What fees will I incur if SunTrust pays my overdraft?
Under standard overdraft practices there are two different
types of fees:
1. Overdraft Item
2. Returned Item
To change your overdraft coverage at any time, you may
submit a request in one of the following ways:
• Visit our website at www.suntrust.com/overdraft
• Call 800.485.7279 from 6:00 a.m. until midnight (ET)
• Visit any SunTrust branch
• Complete the form below, detach and mail to:
SunTrust
P.O. Box 4418
Mailcode GA-ATL-5027
Atlanta, GA 30302-4418
If you have questions, please call us at 800.485.7279 from
6:00 a.m. until midnight (ET).
If you do not wish to give SunTrust authorization, no action required.
If you do not request overdraft coverage, we will automatically
decline all of your ATM transactions and everyday debit card
transactions that would overdraft your account.
By completing this form I consent to accept or decline
(based upon selection below) overdraft coverage on the
accounts listed.
Check only one: Accept overdraft coverage
Decline overdraft coverage
Name (please print)
First name, Middle initial, Last name
Phone Number (For questions if we need further information
to process this request.)
Area code – phone number
Home Work Cell
Email Address (By providing your email address, you consent
to receive confirmation of your request via email.)
List all of your checking, savings or money market accounts
that you wish to cover.
Complete Account Number (13 digits):
You will incur a fee of up to $36 each time an overdraft is paid. If
your account is overdrawn for 5 consecutive business days, you may
incur a one-time additional fee of $36.
Complete Account Number (13 digits):
SunTrust limits total Overdraft and Retu
rned Item fees to 6 per day.
Complete Account Number (13 digits):
SunTrust will waive overdraft/returned item fees on transactions
that are less than $5.00.
Note: Overdraft Coverage is not available on Balanced Banking SM .
SunTrust Bank, Member FDIC. ©2017 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Balanced Banking is a service mark of SunTrust Banks, Inc. DGD308332-16
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