Smart Solutions Plus Checking

Smart Solution Plus offers the most comprehensive set of features in one convenient, interest-bearing account. Exclusive benefits include a SunTrust mortgage discount, up to 5 free savings accounts, and 4 non-SunTrust ATM transactions per statement cycle. You can also qualify to waive the monthly maintenance fee by using the sum of your total SunTrust banking relationship.

Features and Benefits

• Unlimited check writing
• Free Online Banking
• Free Bill Pay
• Free Gold SunTrust Check Card
• Available SunTrust Visa® with WorldPoints^SM Rewards¹
• 2,500 Bonus WorldPoints Rewards ²
• Free Automated Telephone Banking
• Free use of SunTrust ATMs
• 24/7 customer service
• Overdraft Protection Service options
• Unlimited teller transactions
• Discount of 0.25% on personal installment loans (including home equity loans) with auto debit
• Free check image paper statements available
• Free second checking account
• Free savings accounts
• Monthly summary statement
• Free money orders and cashiers checks
• Free SunTrust checks or a $5 discount on other styles
• 4 Free non-SunTrust ATM transactions per statement cycle³
• Free travelers cheques
• Free small safe deposit box

Requirements

• The minimum deposit required for opening this account online is $100⁴
• $5,000 Minimum Daily Collected Balance⁵ or $15,000 Total Relationship Balance⁶ or any SunTrust First Mortgage
• No monthly maintenance fee if balance requirement is maintained
• $12 per month if balance requirement is not maintained

¹ Credit Cards are subject to credit approval. The SunTrust Credit Card Program is issued and administered by Individualized BankCard Services, a division of MBNA America Bank, N.A.

² Credit card must be activated by making a retail purchase within 90 days of account opening to receive bonus points. Bonus points will be credited within two billing cycles.

³ ATMs owned by non-SunTrust institutions may 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.

⁴ Accounts opened in SunTrust branches may be subject to different opening deposit requirements.

⁵ The sum of balances in your checking account and other eligible linked checking, savings and money market accounts.

⁶ The sum of balances in your Smart Solution Plus checking, other checking, savings and money market accounts, CDs, IRAs, installment loan and line commitments.

⁷ The Interest Rates and Annual Percentage Yield ("APY") are accurate as of the date shown on this page. At the Bank's discretion, rates and yields are subject to change without notice after the account is opened. Interest is calculated and compounded daily on the collected balance in your account and credited to your account monthly. Fees may reduce earnings