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  SunTrust Bank Advantage Checking

SunTrust Bank Advantage Checking

in Checking Accounts from SunTrust Bank · Member fdic

Unaffiliated

SunTrust Bank Advantage Checking

Unaffiliated

in Checking Accounts from SunTrust Bank · Member FDIC

Net Recommendation Score -33

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0 - $20
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.01%

SunTrust Bank Advantage Checking Review

SunTrust Bank Advantage Checking is offered by SunTrust Bank, a bank founded in 1865 and based in Atlanta, GA. SunTrust Bank Advantage Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $20, but there are ways to waive the fee.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Hard credit pull. SunTrust Bank may require a hard pull on your credit report to open a checking account.
SunTrust Bank Advantage Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.
SunTrust Bank Advantage Checking FAQ

Are checking accounts from SunTrust Bank federally insured?

Yes, your SunTrust Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does SunTrust Bank Advantage Checking offer?

SunTrust Bank Advantage Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

SunTrust Bank Advantage Checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $0.01.

What are the account minimums for SunTrust Bank Advantage Checking?

SunTrust Bank Advantage Checking requires a minimum initial deposit of $100 to open an account.

SunTrust Bank Advantage Checking Account Minimums
Description Amount
Minimum Opening Deposit $100
APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Direct Deposit to Avoid Monthly Fee $3,000

What fees does SunTrust Bank Advantage Checking charge?

This account charges a monthly maintenance fee of up to $20.

SunTrust Bank Advantage Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $5
Check Image Service $3
Debit Card Replacement Fee $0
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0 - $20
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $12.50
Returned Deposit Fee (International) $40
Stop Payment Fee $36
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $30
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $3

What features and perks does SunTrust Bank Advantage Checking offer?

This account includes the following features:

  • Fraud monitoring - SunTrust Bank Advantage Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Mobile Banking Services - SunTrust Bank Advantage Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Direct Deposit to Avoid Monthly Fee $3,000
Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Foreign Transaction Fee (Debit Card) 0%
Online Bill Pay Fee $0
Check Copy $5
Check Image Service $3
Early Account Closure $25
Monthly Fee $0 - $20
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $12.50
Returned Deposit Fee (International) $40
Stop Payment Fee $36
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $30
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $3
Bank Account Features
  • Mobile Check Deposit
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Bauer Financial A+/A Rating
  • FDIC Member
APY (Annual Percentage Yield) 0.01%

SunTrust Bank Advantage Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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