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SunTrust New Checking Account $250 / $500

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Hi,

Came across the Checking Account offer at SunTrust bank:
https://www.suntrust.com/lp/check...ckingoffer

Terms and Conditions for the SunTrust "Q2 2018 Online Checking Offer: Q218CHECKINGOL
Offer Information:
Get up to $500 for opening a new qualifying SunTrust personal checking account.
Earn $500 for opening a new Signature Advantage® account OR
Earn $250 for opening a new Select Checking account,
And by doing each of the following:
Deposit at least $100 at account opening, AND
Complete at least $2,000 in Direct Deposits* for a Signature Advantage account, or $1,000 for a Select Checking account, within 60 days of your account opening, AND
Conduct at least 10 debit card purchases** within 60 days of your account opening.
Offer valid for new SunTrust Signature Advantage or Select Checking personal accounts opened from May 1 through July 31, 2018. Balanced Banking and Essential Checking accounts are not eligible to participate in this promotion. Enrollment in the promotion is required. (See Account Opening & Enrollment Instructions below.)To be eligible to participate in the promotion:
You must be a new SunTrust personal checking client. Clients with an existing personal checking account with SunTrust (either as the primary or secondary account holder) are not eligible. You must not have closed a personal checking account within 180 days of the promotion start date (on or after November 2, 2017). The primary account holder of the participating checking account must be 18 years old or older at the time of account opening. SunTrust employee-designated accounts are not eligible for this promotion. Offer available only to U.S. residents with a U.S. address and a valid U.S. taxpayer identification number. The checking account must be opened online with, and the client must have, an address in the following states: Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia and the District of Columbia.
Reward Processing:
After meeting the qualification requirements, the applicable reward will be credited to the new checking account up to 8 weeks after all qualifications are met. "Q2 2018 Online Checking Offer Reward" will appear on the monthly checking account statement when the reward is credited to the account holder's checking account. The reward amount will be based on the type of checking account open when SunTrust verifies that all promotional offer qualifications have been completed. This promotion is only applicable once per client. SunTrust may report the value of any reward received through any offer to the Internal Revenue Service as required by law. Any applicable taxes are the responsibility of the recipient.
Reward Forfeiture:
The new account must remain open and in good standing with a minimum balance of $0.01 until the reward is processed in order to receive the reward. If the checking account is closed by you or SunTrust within 180 days after opening, SunTrust reserves the right to deduct the reward amount from the account at the time of closing.
Other Terms:
Minimum account opening deposit for a new checking account is $100. In order to earn the reward, you will need to complete the $100 deposit requirement within 14 days. The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. All promotional payouts will be processed no later than March 31, 2019 at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made. For Select Checking and Signature Advantage®, the Annual Percentage Yield (APY) is currently 0.01% for all tiers in the fee schedule and the minimum account balance to obtain APY is $0.01. The Annual Percentage Yields are accurate as of May 1, 2018 and subject to change at any time. Fees may reduce your earnings.
* Direct Deposit: A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security or other regular monthly income deposited to your account by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.
**Complete at least 10 qualifying PIN Point of Sale or signature-based purchases using your associated debit card within 60 days of account opening. ATM withdrawals and withdrawals at a branch using your debit card are not qualifying transactions.
ACCOUNT OPENING & ENROLLMENT INSTRUCTIONS
Open the qualifying personal checking account via the "Open an Account" link on the promotional landing page or by entering the promo code Q218CHECKINGOL in the SunTrust online account application. After reviewing the terms and conditions, make sure "Yes" is selected in the "Special Offer" page to be enrolled for this offer.
Version 1 20180312 Q218CHECKINGOL
SunTrust Bank, Member FDIC. © 2018 SunTrust Banks, Inc. SUNTRUST and the SunTrust logo are trademarks of SunTrust Banks, Inc. All rights reserved.
1 No fees for SunTrust ATM use. Fees apply for ATM-printed statements or mini-statements.
2 SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply. A SunTrust Online Banking account is required to enroll in any of the Mobile and Tablet Banking services.
3 SunTrust does not charge a fee for the use of SunTrust Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-SunTrust accounts.
4 Fees are waived for use of non-SunTrust ATMs and you receive unlimited refunds for ATM fees from other institutions.
5 Overdraft and returned-item fees waived three per rolling 12 months.
6 Total Deposits: The sum of balances in the Signature Advantage Banking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), Trust accounts, IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc.
7 No fee for two non-SunTrust ATM transactions per statement cycle. Refer to Personal Deposit Accounts Fee Schedule for additional information.
8 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $2,000 or more deposited to your account during the prior month by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit. Any maintenance fees will be assessed on the following month's statement.
9 Total Relationship Balance: The sum of balances in the Select Checking account PLUS statement linked SunTrust deposit accounts (savings, checking, money market, or CDs), IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities), SunTrust consumer installment loans and lines of credit, including credit card or SunTrust Mortgages.
10 SunTrust First Mortgage with SurePaySM Mortgage loans financed through SunTrust Mortgage, Inc. with payment automatically deducted from this account using SurePay. SurePay is an automatic, recurring payment setup from your linked account. Sufficient funds must be in your bank account at the time of automatic debit.
11 Linked Small Business accounts include Total Business Checking and Business Advantage Plus only.

Terms and Conditions for the SunTrust Q1 2018 Online Checking Offer: Q118CHECKINGOL
To be eligible to participate in the promotion:
You must be a new SunTrust personal checking client. Clients with an existing personal checking account with SunTrust (either as the primary or secondary account holder) are not eligible. You must not have closed a personal checking account within 180 days of the promotion start date (on or after July 7, 2017). The primary account holder of the participating checking account must be 18 years old or older at the time of account opening. SunTrust employee-designated accounts are not eligible for this promotion. Offer available only to U.S. residents with a U.S. address and a valid U.S. taxpayer identification number. The checking account must be opened online with, and the client must have, an address in the following states: Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia and the District of Columbia.
Offer Information:
Get up to $500 for opening a new SunTrust personal checking account.
Earn $250 for opening a new Select Checking account, or
Earn $500 for opening a new Signature Advantage® account,
AND BY
Depositing at least $100 within 14 days of account opening, and
For Select Checking accounts, completing at least $1,000 in Direct Deposits* within 60 days of account opening, or for Signature Advantage accounts, completing at least $2,000 in Direct Deposits* within 60 days of account opening, and
Making at least 10 debit card purchases** within 60 days of account opening.
Offer valid for new SunTrust personal checking accounts opened from January 3 through April 30, 2018. Enrollment in the promotion is required. (See Account Opening & Enrollment Instructions below.)Reward Processing:
After meeting the qualification requirements, the applicable reward will be credited to the new checking account up to 8 weeks after all qualifications are met. "Q1 2018 Online Checking Offer Reward" will appear on the monthly checking account statement when the reward is credited to the account holder's checking account. The reward amount will be based on the type of checking account open when SunTrust verifies that all promotional offer qualifications have been completed. This promotion is only applicable once per client. SunTrust may report the value of any reward received through any offer to the Internal Revenue Service as required by law. Any applicable taxes are the responsibility of the recipient.
Reward Forfeiture:
The new account must remain open and in good standing with a minimum balance of $0.01 until the reward is processed in order to receive the reward. If the checking account is closed by you or SunTrust within 180 days after opening, SunTrust reserves the right to deduct the reward amount from the account at the time of closing.
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60 Comments

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This comment has been rated as unhelpful by Slickdeals users
Joined Feb 2012
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#3
Already got the $500 for personal checking and $200 for business checking. Paid bonus within 30 days.
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Joined Dec 2009
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#4
Anyway to open if outside serving area?
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Pro
#5
Direct deposit: how to get around?
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Joined Feb 2015
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#6
is it state specific?
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#7
To avoid the $25 Monthly Maintenance Fee on Signature Advantage:
Maintain $25,000 in total deposit balances


To avoid the $15 Monthly Maintenance Fee on Select Checking:
Make $2,000 or more in total qualifying Direct Deposits OR
Keep a $2,000 minimum daily Select Checking balance OR
Maintain $10,000 total combined relationship balances linked across deposits, investments, mortgages and loans OR
Hold a SunTrust Mortgage with SurePay OR
Hold a Linked Small Business Checking account
Reply Helpful Comment? 1 0
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#8
Quote from DKTVPN
:
Direct deposit: how to get around?
https://www.doctorofcredit.com/kn.../#SunTrust

SunTrust

The following count as a direct deposit:

Ally ACH: 1, 2, 3, 4, 5, 6, 7, 8, 9 (didn't work), 10,
Alliant: 1,
Adventure Credit: 1
ACH: 1
Capital One 360: 1,
Charles Schwab: 1, 2,
Discover: 1, 2,
Fidelity: 1,
Goldman Sachs: 1
Navy Federal Credit Union: 1
Paypal: 1, 2, 3, 4, 5 (1 report of it not working, 2)
ING: 1
TCF:
Wells Fargo: 1, 2, 3, 4,
The following didn't work:

PNC: 1,
Suntrust requires you to bring in a pay stub to confirm that the amount you're direct depositing is the full amount of your pay check. Update: it looks like SunTrust is no longer asking for paystub verification.
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#9
Quote from boofat
:
https://www.doctorofcredit.com/kn.../#SunTrust

SunTrust

The following count as a direct deposit:

Ally ACH: 1, 2, 3, 4, 5, 6, 7, 8, 9 (didn't work), 10,
Alliant: 1,
Adventure Credit: 1
ACH: 1
Capital One 360: 1,
Charles Schwab: 1, 2,
Discover: 1, 2,
Fidelity: 1,
Goldman Sachs: 1
Navy Federal Credit Union: 1
Paypal: 1, 2, 3, 4, 5 (1 report of it not working, 2)
ING: 1
TCF:
Wells Fargo: 1, 2, 3, 4,
The following didn't work:

PNC: 1,
Suntrust requires you to bring in a pay stub to confirm that the amount you're direct depositing is the full amount of your pay check. Update: it looks like SunTrust is no longer asking for paystub verification.
Thanks! Repped.
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Joined Jan 2010
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#10
Can anyone think of any negatives going with the Signature account if I don't plan on maintaining a $25,000 balance? I still get $350 after paying the $25 fee for 6 months (and then closing the account). Seems like a no brainer over the Select account.
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#11
Quote from boofat
:
To avoid the $25 Monthly Maintenance Fee on Signature Advantage:
Maintain $25,000 in total deposit balances


To avoid the $15 Monthly Maintenance Fee on Select Checking:
Make $2,000 or more in total qualifying Direct Deposits OR
Keep a $2,000 minimum daily Select Checking balance OR
Maintain $10,000 total combined relationship balances linked across deposits, investments, mortgages and loans OR
Hold a SunTrust Mortgage with SurePay OR
Hold a Linked Small Business Checking account
i downgraded to Essential checking after I got the $500 bonus to avoid having to maintain $25,000
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#12
Quote from MIAMIGUY305
:
i downgraded to Essential checking after I got the $500 bonus to avoid having to maintain $25,000
Nice! Didn't even think of this as an option. Do you have to go to a branch to do this?
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#13
Quote from Frankie15
:
Can anyone think of any negatives going with the Signature account if I don't plan on maintaining a $25,000 balance? I still get $350 after paying the $25 fee for 6 months (and then closing the account). Seems like a no brainer over the Select account.
This deal been around for a couple of months. If no changes to the rules have been made you can downgrade to essential checking after receiving the bonus. The bonus is paid within 30 days before any fees are incurred.
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#14
Quote from Frankie15
:
Nice! Didn't even think of this as an option. Do you have to go to a branch to do this?
I did it over the phone. But again since this deal has been going for a couple of months Suntrust may have changed the rules after noticing people downgrading their account.
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#15
I did 10 Amazon Reloads:

Book Stores SEATTLE WA
Merchant Category Location
Description
POINT OF SALE DEBIT AMAZON.COM SEATTLE WA


TransactionFeb 01, 2018
PostedFeb 01, 2018
Amount$500.00
Description
MISCELLANEOUS CREDIT Q1 2018 ONLINE CHECKING OFFER REWARD
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