SunTrust Bank Login & SunTrust Mortgage Detail 2024

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SunTrust Bank Login

SunTrust Bank offers a variety of products and services to its customers, including checking and savings accounts, loans, wealth and retirement planning, and other financial products and services. Despite the recent merger of SunTrust and BB&T to establish Truist, the bank continues to operate as an independent institution with branches in 11 states in the Southeast. Although SunTrust does not have physical branches, you can still conduct the majority of your banking using the company’s mobile banking app or website if you want.

To access SunTrust Bank’s online banking platform, you’ll need to create an account with the bank. More information about where to get the login credentials and how to bank online may be found below.

How Do I Enroll in Online Banking?

You must first enroll in order to be able to conduct online banking transactions. It’s simple and only requires two steps:

Visit the enrolling page using a desktop or mobile browser on your computer or mobile device.

Fill out the form with your account number, ZIP code, and the last four digits of your Social Security number to confirm your identification.

Your bank account number may be found at the bottom of your checks — it’s the second group of numbers after the routing number — and is easy to remember. If you don’t have any checks on hand, you can reach out to SunTrust Bank’s customer support department at (877) 268-5353.

How To Log In To Your SunTrust Bank Account From a Computer

Log in to the website using your user name and password by visiting the login page. If you forget either of these, click on “Forgot User ID/Password” and follow the instructions to receive an email with a new password reminder.

How To Use Your SunTrust Login To Access Your Account From a Mobile Phone or Tablet

Installing the SunTrust mobile banking app on your smartphone or tablet is the most convenient method to access your account from a mobile device. Once the app has been installed and verified, you will no longer be required to input your SunTrust login credentials every time you use it.

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How To Retrieve a Forgotten Username or Password

Following these instructions will allow you to recover your SunTrust login details if you have forgotten your login information.

• Visit the online login page and click on the Forgot User ID/Password link to reset your password.
• You can choose to have your User ID or password requested (or both).
• Make a note of your SunTrust debit card information and PIN, or answer your security question while also entering your entire Social Security number and the last four digits of your account number to confirm your identification.
• To submit a request, click on the “Request” button.
• You’ll receive an email containing the information you need to log in.
• For example, if you forget your password, you will be reminded to do so.

How To View Your SunTrust Statement Information

In order to view your SunTrust information online, you must first ensure that pop-ups are permitted on your computer. You will be able to see, download, and print the statements because they will be in PDF format. Here’s how it’s done:

• Enter the SunTrust website’s login information.
• In the upper navigation bar, select “Accounts” from the drop-down menu.
• From the drop-down arrow, select the account that you’d want to log in with.
• On the right-hand side of the screen, click on the Statements symbol.
• Select from the list of monthly statements that are currently available.
• Your statement will be displayed in a separate window.

How To Contact SunTrust If You Have Trouble With Your Account

Visit a SunTrust Bank branch or call customer service if you’re experiencing problems accessing your SunTrust Bank login page or signing in. Here are some numbers that may be of assistance:

Automated assistance is available at (800) 786-8787 (800 SUNTRUST), 24 hours a day.

Customer assistance for online banking can be reached at (877) 268-5353 on weekdays from 8 a.m. to 8 p.m. and on Saturday from 8 a.m. to 5 p.m.

Help with your user ID and password: (800) 382-3232

Benefits of Online Banking

When you use an online banking service, you can save time by scheduling bill payments, transferring funds, viewing your bank activity, and even depositing checks through the mobile app. Even if you prefer to bank in person, online banking may be a valuable addition to your financial management toolkit, allowing you to remain on top of your accounts from any location at any time.

How to Get a SunTrust Mortgage

Mortgage options from SunTrust Bank are available to help you refinance your existing home loan or acquire a home for the first time. Contact us now for more information. SunTrust home loans can also be used for a cash-out refinance, which allows you to leverage the equity in your house to fund a large purchase or investment opportunity.

Located in Atlanta, SunTrust Banks has locations throughout the Southeast and Mid-Atlantic regions — and provides customers with access to their accounts online at any time of day or night. Visitors to SunTrust branch locations or those who apply online will be evaluated for any loans offered by the bank. Here are the specifics on how to apply for a mortgage with SunTrust Banks.

Take Three Steps to Get a SunTrust Mortgage

Applying for a SunTrust mortgage is a simple process. If you follow these three procedures, you’ll be well on your way to obtaining a mortgage loan.

1. Pre-qualify for a mortgage loan before you apply. Although becoming prequalified for a mortgage is not required, it is a wise first step. If you prequalify, you’ll know how much of a mortgage you’ll be able to obtain, which will allow you to concentrate on looking for homes within your price range. As part of the prequalification process, you’ll learn about SunTrust’s loan application standards, which include income verification, job history, and credit references, among other things.
2. Make a decision on a mortgage program. SunTrust Mortgage, as a nationwide mortgage lender, participates in a wide range of lending programs, including FHA and VA loans, jumbo home mortgage financing, and other types of financing. Examine the SunTrust website to learn more about how to obtain a mortgage through one of these programs, including the program requirements, home loan rates, expenses, and repayment schedules.
3. Make a commitment to your interest rate. Mortgage interest rates fluctuate in response to changes in the market, and mortgage rates today can change quite quickly as a result. Because it can take up to 30 days or longer from the date you sign your mortgage contract until your loan closes, it’s best to be cautious and lock in your mortgage rate as soon as possible after signing your contract.
4. The amount of your SunTrust mortgage payment was calculated using current mortgage rates; therefore, make sure you lock in your rate and receive the payment you desire. If you don’t lock in your rate, the bank will determine it on the day your loan closes – a big increase in mortgage rates could have a negative impact on your ability to budget for your mortgage payments.

SunTrust Mortgage Application Criteria

To determine whether or not to accept you for a mortgage, SunTrust, like the majority of mortgage lenders, looks at a number of factors. Credit history and credit score are important considerations: The lender should be able to demonstrate that you have a strong track record of meeting your financial responsibilities. SunTrust will compute your debt-to-income ratio by taking into account your present debt obligations and income.

The lower your debt-to-income ratio, the higher your chances of getting a mortgage approved.

It is also necessary to produce recent pay stubs, tax returns, and bank statements in order for SunTrust to verify your income. Make sure you’re prepared to offer documentation of your eligibility if you’re looking for a mortgage programme that has special eligibility requirements, such as a VA loan.

SunTrust Rates and Offerings

The information on SunTrust’s website contains a list of the company’s current mortgage interest rates. In this section, you will discover information about fixed and adjustable interest rates, as well as rates for other mortgage programmes. In addition to interest rate information, the website provides an estimate of your monthly mortgage payment based on your loan amount, interest rate, and loan length.

A home loan from SunTrust is straightforward in its application process. Its website also contains advice on how to locate a loan officer who can give you personal assistance. A loan officer can assist you in becoming organized before you begin the application process — and it can also assist you in maintaining realistic expectations about loan approval requirements.

SunTrust Bank Review

SunTrust is a financial services company headquartered in Atlanta, Georgia, with more than 1,600 bank branches and approximately 3,000 ATMs. As one of the largest financial institutions in the United States, it provides a diverse range of products to assist you in keeping your money in order. In addition to opening a checking account, you may also build an emergency fund, borrow against the equity in your house, and even plan for your retirement at SunTrust Bank.

There’s no reason to compromise when you have so many banking options available to you nowadays. Continue reading to find out if SunTrust Bank is the correct financial institution for you.

Who Is SunTrust Best For?

SunTrust Bank is a wonderful alternative for customers who are looking for a large bank with a strong brand name in the southern United States. Here is a list of some of the advantages and disadvantages of SunTrust:

Pros

Dedicated to the advancement of community economic development

a comprehensive range of financial services and goods

Using paperless statements, you may see your account history going back up to seven years.

Free online resources to assist you in learning about and managing your finances.

Cons

Branches are only available in the southern United States.

Interest rates can only be obtained by phoning the number listed above.

Who Might Want To Choose SunTrust?

Those banking customers who are dissatisfied with the level of service they are receiving from their present institution will appreciate SunTrust’s commitment to providing excellent customer care. SunTrust is a huge, financially strong bank that should inspire confidence in the minds of depositors.

Because of the bank’s concentration on the southern United States, it is a natural choice for Southerners looking for a financial institution that is committed to their region. SunTrust offers a wide range of banking products, including credit cards, mortgage loans, deposit accounts, and other types of accounts. It is the ideal regional bank for many people.

SunTrust is proving its commitment to the financial health and betterment of local customers through innovative community programmes such as the Lighting the Way to Financial Well-Being initiative and The onUp Movement.

Who Might Want To Skip SunTrust?

SunTrust only has branches and ATMs in 12 states in the southeastern United States. While SunTrust clients can access their money from anywhere in the world over the internet and through other banks’ ATM machines, the bank may not be the best choice if you are looking for a bank with a statewide presence.

Types of Accounts Available

SunTrust Bank provides a wide range of savings and lending alternatives to its customers. Here’s a glance at what you can expect to find.

SunTrust Accounts at a Glance
Account Type	Rates	Fees	Features
Checking	Up to 0.01% APY	$7 to $20	Multiple ways to waive fees, three checking account choices
Savings	Standard APY for Select Savings account is 0.01% for all balances	$0 to $7	Low opening deposits, low minimum monthly balances
Money Market Account	0.01%-0.75% APY	$17	Fee can be waived with direct deposit of minimum balance, check-writing privileges
Certificates of Deposit	Tiered rates for 6-month to 24-month terms, 0.50% APY typically offered	N/A	Small opening deposit, many terms to choose from

Checking

There are three different checking account options offered by SunTrust, but only one of them, Advantage Checking, pays interest on balances. Customers who use a SunTrust cash rewards credit card and deposit their rewards into their checking account are eligible for a Loyalty Cash Bonus of 10 percent to 50 percent on all checking accounts.

 

SunTrust Checking Accounts at a Glance
Account Name	APY	Monthly Fee	Minimum Balance To Waive Fee
Advantage Checking	0.01%	$20	$10,000
Essential Checking	Non-interest bearing	$7	$500
Balanced Checking	Non-interest bearing	$12	$3,000

Pros

There are three distinct options available.

Discounts on boxes of checks are available.

Cons

There is no cash incentive scheme at any level.

Service costs are charged on a monthly basis.

There is only one interest-bearing option available.

Minimum balances that must be met

Savings Account

Customers seeking for a simple savings account can choose between two alternatives offered by SunTrust: Essential Savings and Select Savings. Neither account restricts depositors’ ability to access their funds at any time, nor can either account be used to fund overdraft protection on a SunTrust checking or savings account.

 

SunTrust Savings Accounts at a Glance
Account Name	Minimum Deposit To Open	Monthly Fee
Essential Savings	$0	$3 (waived with enrollment in monthly Paperless online statements)
Select Savings	$100	$7 (waived with $1,000 balance)

Pros

Minimum balances are insufficient or non-existent.

A little initial deposit is required.

Using Select Savings to check the overdraft protection option

Cons

There are a few unique characteristics.

On a no-fee account, there is no provision for tiered interest.

Money Market Account

Although the SunTrust Bank Advantage Money Market Savings Account is not a checking account, it does allow you to write checks with certain restrictions on your balance. Because of this, it is the best account for customers who want a greater interest rate while also having easier access to their money.

 

Money Market Savings Account at a Glance
Account Name	Minimum Opening Deposit	Monthly Fee	Interest
Advantage Money Market Savings Account	$100	$17 (waived with $10,000 balance)	0.01%-0.75% APY

Pros

Having the ability to write checks

Rates that are higher than those offered by checking or savings accounts

Funds that are easily accessible

Cons

The monthly price is a little on the high side.

Minimum account balance is set at a rather high level.

Certificates of Deposit

SunTrust offers CDs with periods ranging from seven days to ten years, with terms as short as one day and as long as ten years. SunTrust normally gives an annual percentage yield (APY) of 0.50 percent on its CDs with terms of six, twelve, eighteen, and twenty-four months. To open a CD, you’ll need to make a deposit of at least $2,000 in order to do so.

Pros

a large number of terms

CDs with different rates are available.

There is a grace period for adding funds.

Cons

To open an account, a minimum deposit of $2,000 is required.

There are no statements.

Early withdrawals are subject to severe penalties.

Individual Retirement Account

Clients who are willing to accept some risk with their retirement money can fund their IRAs with stocks, bonds, and mutual funds through SunTrust Investment Services, the company’s brokerage business. SunTrust, on the other hand, offers Traditional and Roth IRAs that are invested in certificates of deposit.

Pros

Online retirement reference hub with a wealth of information

Investment and banking options are available.

Traditional, Roth, and Rollover IRAs are all accessible.

Cons

Investment counsellors and bankers are two different professions.

Retirement specialists are not readily available around the country.

Investment Options

In addition to SunTrust Advisory Services, SunTrust Investment Services is a non-bank investment firm that provides services to SunTrust’s high-net-worth clients. With the help of a competent financial advisor, clients can create personalised investment portfolios that contain financial instruments such as stocks, bonds, and mutual funds. These investments may provide better returns, but they are not guaranteed or insured by the Federal Deposit Insurance Corporation (FDIC).

Pros

A comprehensive selection of investment products is available.

Professional guidance and FINRA-licensed brokers are available.

High potential market profits are possible.

Cons

Advisors linked with the bank, rather than bank personnel

Loans

As you might expect from a top-tier regional bank, SunTrust Bank provides a comprehensive range of mortgage and personal loan alternatives. Whatever your borrowing needs are, whether you’re buying your first or second house, acquiring a new car, or seeking an unsecured personal loan, SunTrust Bank can help you out. It also provides student loans to assist with the cost of higher education.

Pros

There are six loan categories.

Rates that are competitive

Cons

The website does not provide information on personal loan rates.

How To Bank With SunTrust

Anywhere in the southern United States where you live, there’s a SunTrust Bank branch or an ATM within walking distance. You can walk in and open any of the accounts that the bank has to offer. Customers in different parts of the world can easily open accounts online and conduct banking transactions using their desktops or mobile devices. Customer support of the highest calibre is always available online, over the phone, and in person at a branch location.

Technology

SunTrust is a leader in the field of banking information technology. Its online banking service includes all of the latest features, including as online bill pay and access to account information at any time of day or night. Additionally, this financial institution provides mobile banking, which is extremely popular with today’s customers. This feature allows account holders to manage their accounts from any mobile device that has access to the internet.

Clients can use their smartphones or tablets to transfer funds, examine account balances, pay bills, and deposit checks after downloading the SunTrust mobile banking app. Those with bank accounts can also sign up for mobile notifications, which will send them text and email information about their balances.

Fees

Monthly account servicing costs, which can range from $7 to $20 per month, might be prohibitively expensive. Customers who qualify for a waiver are encouraged to do so in order to avoid the fees. The most straightforward means of qualifying is to maintain a balance in excess of account minimums, but there are other options as well. Make sure to read the fine print in order to prevent paying fees that aren’t required.

Availability of Funds

SunTrust customers can access their cash deposits, wire transfers, and direct deposits of payroll checks shortly after making a deposit with the bank. You will be able to withdraw these monies or issue cheques against them immediately, which is a welcome development.

On the business day following deposit, state and federal government checks, money orders, and cashiers’ checks are made available for withdrawal.

It is necessary to process third-party checks and other specific deposits before they can be cleared. SunTrust makes every effort to process deposits as quickly as possible, but deposits cannot be credited until they have cleared. Fortunately, it only takes around one business day to complete the process.

Is SunTrust Bank Right for You?

If you’re in the market for a new banking relationship, SunTrust Bank is a good option to consider. SunTrust offers all of the conveniences that a modern bank can bring while still providing personable, high-quality service. With a broad range of savings and checking accounts, a comprehensive range of loan products, and cutting-edge financial technology, it is a strong contender in the market. SunTrust, on the other hand, may not be the best choice if you require a bank with branches and ATMs throughout the United States.