Copy Suntrust

1. Personal Checking
suntrust.com
800.SUNTRUST
SunTrust Client Commitment: SunTrust will never send unsolicited emails
asking clients to provide, update, or verify personal or account information,
such as passwords, Social Security numbers, PINs, credit or Check Card
numbers, or other confidential information.
SunTrust Bank is an Equal Housing Lender. Member FDIC. ©2006
SunTrust Banks, Inc. SunTrust and Seeing beyond money are federally registered
service marks of SunTrust Banks, Inc.
Equal Housing Lender. SunTrust Mortgage, Inc., 901 Semmes Avenue,
Richmond, VA 23224 is licensed by the Department of Corporations under the
California Residential Mortgage Lending Act; is an Illinois Residential Mortgage
Licensee; is a Lender in Massachusetts, having Mortgage Lender license #s
ML1216, ML0133, ML1432, ML1914, ML1913, ML1815, ML2411, ML1214,
ML2442, ML2491, and ML2538; is licensed by the New Hampshire Banking
Department; is licensed by the New Jersey Department of Banking and
Insurance, toll free 1.888.994.7864; is a licensed lender in Rhode Island; is
doing business in Arizona as Crestar Mortgage, 7250 N. 16th Street, Suite 100,
Phoenix, AZ 85020; and is doing business in New York at 145 Pinelawn Road,
Suite 330, Melville, NY 11747. ©2006 SunTrust Banks, Inc. SunTrust and
Seeing beyond money are federally registered service marks of SunTrust Banks,
Inc. mkt 38519-06
101264 R11/06

2. If you’re looking for more
features, you can find
them at SunTrust.
SunTrust Bank Personal Checking
At SunTrust, we feel you should be rewarded for
banking with us. That’s why we create checking
solutions that work harder for you.
For starters, our Free Checking account covers
all the basics, including free Online Banking with
Bill Pay. If you’re looking for more features, our
relationship banking packages give you what
you need, all for one low monthly fee. You can
waive that fee simply by expanding your SunTrust
relationship.
Many of our accounts have extras that make
banking more convenient, such as free checks
and free transactions at non-SunTrust ATMs. Our
accounts have more of the features you need and
use most.
It’s what makes SunTrust a better value –
from our basic Free Checking, to feature-rich
relationship banking packages such as Smart
Solution Plus.

3. Check out these standard
convenience features
Select 50 Checking
No matter which SunTrust checking solution you
choose, you’ll enjoy:
Designed expressly for our clients 50 and above,
this account appeals to those who want simple,
affordable checking – while enjoying all our
standard features, such as free Online Banking
with Bill Pay, and additional benefits such
as a free first order of checks and free check
image statements. There’s no minimum balance
and no Direct Deposit required.
• Unlimited teller visits
• Unlimited check writing
• Unlimited access to more than 2,700
SunTrust ATMs
• Free Online Banking with Bill Pay with 24-hour
access to your accounts
• Free 24/7 Automated Telephone Banking with
live agents
SM
Reserved for a select group.
Smart Solution Checking
SM
The features you use most in one smart account.
• FDIC insurance up to the maximum allowed
by law
Smart Solution Checking is a smart option if
you’re looking for more benefits – and more value.
It includes useful features like free checks, free
Online Banking with Bill Pay, and two free
non-SunTrust ATM transactions per month.
Plus, it’s easy to have the monthly fee waived by
combining balances from your other SunTrust
personal deposit accounts (checking, savings, and
money market).
Free Checking
Preferred Checking
All the essentials. No surprises.
Putting your money to work.
If these standard features are just what you’re
looking for, SunTrust Free Checking may be right
for you. This account requires no minimum
balance, no Direct Deposit, no minimum opening
deposit, and includes free Online Banking
with Bill Pay. It’s all about value, economy,
and convenience.
We find our Preferred Checking account works
well for clients who value substantial benefits
and returns. This checking account pays interest
on all balances, while providing a broad array of
extras that maximize convenience and value. It’s
easy to waive the monthly fee – just maintain the
minimum balance in your checking account.
• Free SunTrust Check Card
• Available overdraft protection
• An interest rate reduction of 0.25% per annum
on equity loans and installment loans when
your payment is automatically deducted from
a SunTrust checking or savings account

4. SunTrust checking accounts at a glance
Signature
Advantage
Monthly maintenance fee
Minimum balance
requirement 2
(to avoid the monthly
maintenance fee)
Free Check Card
Smart Solution
Plus
Preferred
Checking
Smart
Solution
Checking
Select 50
Checking
Free
Checking
$251
$14
$9
$9
$0
$0
$0
No Direct
Deposit
required
$0
No Direct
Deposit
required
$25,000
minimum
combined
balance or
$50,000 total
relationship
$5,000 total
$2,500
$1,500 total
deposits
minimum or
deposits
(checking,
$5,000 average
(checking,
savings, and
collected
savings, and
money market)
checking
money market)
or $15,000 total
balance
deposit and loan
relationship or any
first mortgage**
Platinum
Gold
Gold
Classic
Classic
Classic
Free Online Banking with
Bill Pay
3
3
3
3
3
3
Free checks
3
3
3
3
first order
Free check image
statement
3
3
3
3
3
$1/month
Free non-SunTrust
ATM usage3
unlimited
four free/cycle
Free travelers cheques,
money orders, and
cashiers checks
3
3
3
Interest-bearing
34
3
3
one free per
account
one free per
account
one free per
account
discounted
discounted
Identity theft protection
and credit monitoring5
Free savings accounts
one free per
account
3
Eligible for Premium
Money Market
SM
Performance Account
3
3
Safe deposit box discount6
3
3
10% commission discount
on broker-assisted stock
trades through SunTrust
Investment Services*
3
Additional investment
benefits
*
two free/cycle
3
See Securities disclosure on back.
**
Any first mortgage with SunTrust Mortgage, Inc.
1
4
Client selects from several interest-bearing options.
5
F
or accounts listed above, one Equifax Credit WatchTM Silver for one person per
account. Additional Equifax Credit Watch products available at a discount for all
checking account holders.
6
S
mart Solution Plus: $30.00 discount on any size safe deposit box; Signature
Advantage: A free small safe deposit box or a $35.00 discount on any other size
safe deposit box.
Annual fee may also apply – see fee schedule for more details.
2
Normal service charges apply to associated accounts.
3
ATM owner fees may apply.

5. Smart Solution Plus Checking
SM
Rewarding relationships.
It’s convenient to turn to SunTrust for all
your financial needs. And now it’s even more
rewarding, thanks to Smart Solution Plus
Checking. This account pays interest and allows
you to make the most of your association with
us by using your total SunTrust deposit and loan
relationship to waive the monthly maintenance
fee. With a truly comprehensive range of services
and benefits, this account delivers real value.
Signature Advantage
SM
A service as individual as your own signature.
Signature Advantage combines cash and
investment management capabilities,
allowing you to manage your finances with
a single comprehensive statement. And you
can make this service as personal as your own
signature. That’s because most of your SunTrust
accounts may be linked through Signature
Advantage, including brokerage,* checking or
savings accounts, Certificates of Deposit (CDs),
Individual Retirement Accounts (IRAs), annuities,
trust accounts, mortgage loans,** and more.
balance requirement, along with student loan
and car loan options. It’s the perfect banking
package for students!
Count on us for high-value choices
and helpful advice
You may have already made up your mind about
which SunTrust checking option is right for you.
But if you’d like the advice and guidance of an
experienced banker, turn to us.
We’re here to help you in any way we can. In
fact, SunTrust is well-known for offering the wide
range of services only a large bank can offer –
while continuing to provide the extra-mile
service you’d expect from a smaller bank.
Ready to begin? We’re ready to help.
SunTrust also offers a specialty
checking package for students
Student Banking – The SunTrust student
banking package includes a Free Checking
account with free Online Banking with Bill Pay, a
free Check Card, and free Direct Deposit. It also
includes an interest-bearing Personal Savings
account with no monthly maintenance fee or
*
Offered through SunTrust Investment Services, Inc.
**
Residential mortgage loans are offered through SunTrust Mortgage, Inc.

6. *
Securities and Insurance Products and Services:
Are Not FDIC Or Any Other
Government Agency Insured
Are Not Bank Guaranteed
May Lose Value
Securities, insurance, and other investment products
and services are offered by or through SunTrust
Investment Services, Inc., a SEC registered investment
advisor and broker/dealer affiliate of SunTrust Banks,
Inc., and a member of the NASD and SIPC.
Refer to the bank’s Personal Accounts Fee Schedule
for service fees applicable to these accounts and
automated teller machine transactions at Publix®
®
®
Presto!, Plus, AFFN, and Interlink® ATM Networks.