SunTrust Banking Promotes a Brighter Financial Future

No bank is perfect, and if you speak with different people, most will express at least one complaint about their personal bank. But while every bank has its flaw, you don’t have to put up with horrible customer service and ridiculous fees. If you’re not happy with the current level of service at your bank and you need a better option, SunTrust Bank might be the right place for your money.

Headquartered in Atlanta, Georgia, SunTrust has more than 1,600 bank branches and nearly 3,000 ATMs. Listed as one of the largest banks in the United States, it offers a variety of products to keep your finances on track. You can open a checking account, start an emergency fund, borrow from your equity, and even plan your retirement.

You shouldn’t settle for anything less than the best. Speaking with a banker can help you discover the benefits of a SunTrust bank account.

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SunTrust Bank Review

If your present bank doesn’t offer much in the way of customer service and financial products, switching to SunTrust can provide a new banking experience.

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1. Checking Accounts

SunTrust offers four different checking account options to meet the unique needs of its customers. Whether you need a simple checking account to manage your everyday expenses, the option of direct deposit or an account with exclusive benefits, SunTrust Bank has a checking account for you.

Options include EZ Checking, Everyday Checking, Solid Choice Banking, Signature Advantage Banking and Student Checking. Monthly maintenance fees range from $4 to $17.

Every SunTrust checking account comes with a bank debit card. With convenient online and mobile features, you can manage your account from any computer or mobile device — transfer funds, pay bills or simply monitor your account activity.

2. SunTrust Savings Account

SunTrust savings account can help you prepare for a rainy day, pay for your child’s college tuition, or save up for a down payment on a car or home. You can open a Personal Savings account or a Live Solid Savings account with a minimum opening deposit of $100.

Both accounts let you deposit and withdraw cash at any time, transfer funds between accounts, and use your savings account as overdraft protection for your checking account. A SunTrust savings account can also help you earn interest on your balance, and the bank provides the option of automated deposits.

Need additional savings options? No problem, you can open a money market account and earn an attractive interest rate. If you’re looking for a safe investment strategy, a certificate of deposit might be right up your alley.

3. Certificate of Deposit

Take your savings account to the next level with a SunTrust certificate of deposit. SunTrust CD rates are competitive, and you’ll receive a guaranteed fixed rate with terms ranging from seven days to 10 years. These accounts require a minimum opening balance of $2,000 and there is no monthly maintenance fee.

4. SunTrust Online Banking

Who doesn’t like the convenience of online banking? In this busy world, no one has time to visit an actual bank branch — with SunTrust online banking, you don’t have to. Sign up for online banking and manage your accounts from virtually any location. Check your SunTrust banking balances, setup automatic bill-pay, transfer funds between accounts and view your statements online.

5. Mortgages

If you’re looking for an affordable, hassle-free home mortgage option, a SunTrust mortgage is the answer. Regardless of whether you’re buying or refinancing, SunTrust mortgage rates are competitive and fair. Plus, you can view current interest rates online and use their mortgage calculator tool to estimate your monthly payment. Complete your application online today.

6. Credit Cards

Choosing the right credit card for your lifestyle can be challenging. SunTrust has multiple credit card options to accommodate various spending habits. Apply for a rewards credit card and earn points on every purchase, including double points on gas, groceries and drug store purchases. Maybe you prefer cash; a SunTrust cash back credit card lets you earn cash back on qualifying purchases.

Another option: Save money with a low-interest credit card. Regardless of the card chosen, you’ll enjoy a competitive interest rate, plus the option to manage your account online.

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7. Auto Loans

Competitive fixed rates, flexible terms and fast approvals — why go anywhere else for an auto loan? The dealership isn’t your only option for a loan. Whether you’re buying a new or used car, or refinancing your existing auto loan, speak with a SunTrust auto loan specialist and discuss your financing options.

8. Retirement Planning

The longer you put off retirement planning, the less income you’ll earn during your retirement years. What are your retirement goals? Do you know your retirement options? SunTrust is committed to helping you prepare for the future. Choose from multiple individual retirement accounts — traditional IRA, Roth IRA, Simple IRA or SEP IRA — or look into other investment solutions to secure your golden years.

Pros and Cons of SunTrust Bank

SunTrust Bank is an excellent choice if you seek a bank with modern, up-to-date features. In addition to online banking, this financial institution offers mobile banking, which scores big with customers. This feature lets account holders manage their accounts from a mobile device. They can download the bank’s app directly to their devices, and then transfer funds, view account balances, pay bills and deposit checks from their smartphones. Account holders can also sign up for mobile alerts and receive messages about their balances.

SunTrust Bank customer service also wins points with account holders. SunTrust only has branches and ATMs throughout 12 southern states, which can be a disadvantage for some customers. Yet, many account holders feel that the customer service at SunTrust Bank exceeds the level of service at other big banks. They provide a “small-town feel” and certain branches know how to display their southern hospitality.

Why Choose SunTrust Bank?

If you live in the south and you’re looking for a bank that offers a high level of service, a variety of financial products and the latest technology, SunTrust is the right bank for you. The bank’s fees and rates are relatively low, saving you money. And with so many products, SunTrust is your source for one-stop banking.

About the Author

Valencia Higuera is a personal finance expert who enjoys articles on budgeting, saving money and credit cards. She holds a B.A in English from Old Dominion University and currently lives in Chesapeake, Virginia.