suntrust bank checking account bonus

SunTrust Bank has a new checking account bonus that can net you $300 in cash. It is not the best offer we have seen from Suntrust Bank. Maintain a minimum average ledger balance of $5,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa® Debit. Those pondering such an incentive should "think of it as an actual bonus, but not the reason I'm getting a checking account.".

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The Top Bank Promotions That Will Get You Free Money

Chase $250 Bonus for Opening a Checking and Savings Account

You can choose to get $150 when you open a Chase Total Checking account with direct deposit, $100 when you open a new Chase Saving account, or $250 for both.

With the savings account you'll need to deposit a total of $10,000 or more within 10 business days and maintain that balance for 90 days.

This offer expires July 18, 2016.

U.S. Bank $100 Bonus for Opening a Checking and Monkey Market Account

You can get up to a $100 bonus from U.S. Bank by opening up both a checking and money market savings account.

A minimum deposit of $25 is required when opening the checking account and a minimum of $25 is required when opening the money market savings account.

You'll need to schedule and maintain a qualifying reoccurring transfer from your checking account to your savings account.

When your savings balance reaches $500, U.S. Bank will deposit $50 into your account and also give you a $50 debit card for gas and groceries.

This bank promotion is ongoing.

Discover $135 in Rewards for Opening an NBA Checking Account

Open an NBA checking account at Discover and you'll get $100 NBAStore.com gift card, $15 Amazon gift card, and $10 iTunes gift card.

A $25 minimum opening deposit is required.

Citizens Bank $1,000 Bonus for Opening a College Savings Account

Open a Citizens Bank CollegeSaver Savings Account for your child's college and you'll get a $1,000 bonus plus interest added to your account after your child turns 18.

To get your bonus, you'll need to open the account before your child's 6th birthday and make net deposits of $25 minimum each month or before the 12th birthday with net deposits of $50 per month.

There's a minimum opening balance of $25 for children under 6 or $500 for children between 6 and 12.

This bank promotion is ongoing.

SunTrust $100-$200 Checking Accounting Bonus With New Account

You can earn a $200 bonus from SunTrust bank when you open a new Selecting Checking account. This requires a $100 deposit within 14 days of opening and $2,000 in additional direct deposits within the first 60 days.

Alternatively, you can get a bonus of $100 when you open a SunTrust Essential Checking account. You'll need to deposit at least $100 in the first 14 days and make $500 or more in direct deposits within the first 60 days.

This offer expires July 31, 2016.

Источник: https://www.liveabout.com/top-bank-promotions-that-will-get-you-free-money-1358032

How To Open A Business Bank Account Online: The 5 Best Options

In the same way that technology has changed the way we book a flight, hail a cab (or Uber), order takeout, or even buy a car, technology is changing the way we interact with the bank. For example, my mortgage payment is automatically deducted from my paycheck every month and my paycheck is even automatically deposited into my personal bank account. In reality, there are very few banking services I use on a regular basis that require me to go inside a bank. Even if I need cash or happen to need to deposit checks, I can do that through an ATM.

In much the same way, many small businesses are finding they don’t need to go into their bank’s physical location either. And many other business owners are finding they can do all of their business banking online with a bank that doesn’t even have a physical branch.

Benefits of a Business Bank Account

As a small business owner or startup founder, you need a business checking account. Wondering why you shouldn’t just use your personal checking account for business expenses? Here’s why having a separate business account is imperative:

  • It will make accounting a lot easier and give you greater visibility into whether or not your business is profitable
  • It will help you better manage your business cash flow
  • It will make it easier to account for business expenses at tax time
  • It will make the transition to an LLC or corporation much easier should you decide to formalize your business entity down the road

If you anticipate the need to take out a loan, there are many small business lenders like the SBA that won’t even consider your loan application unless you have a business banking account, making it much harder to find small business loans to fuel growth or otherwise fund business initiatives.

In other words, a business checking account just makes sense for most small businesses.

Today, you can find a variety of business checking accounts that are fee-free, or that offer a certain number of free transactions before fees kick in. Some offer perks like cash back or discounts on business products.

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Top 5 Options to Open a Business Checking Account Online

If you’re considering an online business checking account, these five options are all worth considering: 

  1. BlueVine
  2. OZK
  3. Bank of America
  4. Axos
  5. Chase

1. BlueVine: Best for Earning 1% Interest; No-Fee Account

If you’d like to earn interest on your business checking account, BlueVine’s Business Checking account could be a good choice. What’s more, this is a free checking account, a rarity in the industry.

  • No minimum deposit or balance requirements
  • No monthly service fees
  • No ATM fees at 38,000+ MoneyPass® locations across the country (You may be charged out-of-network ATM fees, even if you don’t complete the transaction)
  • No fees for non-sufficient funds
  • Two free checkbooks
  • Easy mobile app

Earning 1% interest on BlueVine’s Business Checking Account is 10X the national average for similar accounts (.1% is the national average), putting them on the top of our list of interest-earning business checking accounts with no fees.

2. OZK: Best Overdraft Protection

Bank OZK offers many of the same services that other banks offer, but also includes common-sense overdraft protection they call Bounce Proof Security which will, if you maintain a positive account balance for at least 30 days on a new account, cover any overdrafts up to your limit, with a maximum overdraft of $500 (there’s a $35 fee for every overdraft regardless of whether it’s caused by a check, an in-person withdrawal, or electronic transaction).

In addition to Bounce Proof Security, you can opt for Safety Link, which automatically transfers funds from a linked checking or savings account for a $10 fee per transfer. Here are additional features.

  • Remote deposit capture
  • Online banking (a $5 monthly fee applies to some accounts)
  • Online bill pay (fees may apply on some account types)
  • eStatements 
  • Instant issue business debit card 
  • Mobile banking (for mobile banking, carrier rates will apply)
  • Merchant processing
  • Check image statements

If you’re looking for great overdraft protection, Bank OZK is our choice for online checking accounts. The bank also offers business savings and money market accounts.

3. Bank of America: Best Long-Term Banking Services

Bank of America is one of those brick-and-mortar banks that also offers a lot of online banking services. If yours is a relatively young business and you are looking for a bank that can grow with your business as it grows, you should consider Bank of America.  With accounts that are designed to meet a variety of small business banking needs, you’ll likely find an account that fits.

What’s more, you can earn $100 when you open a new account and make qualifying deposits equaling $1,000 in the first 60 days of your new account. You can earn an additional $50 when you pay at least two bills through bill pay within your first 60 days and an additional $300 statement credit if you are approved for and open a new Bank of America business credit card and make at least $3,000 in purchases with the card within the first 90 days of card account opening.

  • Get employee business credit cards 
  • Online banking and mobile app
  • Grant customized access to multiple users—plus seamless QuickBooks® integration with Account Management
  • Deposit unlimited checks with Remote Deposit Online
  • Other services available, including merchant services

4. Axos: Best Free Business Checking Account

Axos Bank has gotten rave reviews online. We agree.

Axos designed its Basic Business Checking account with small business owners in mind. Open a 100% online account and enjoy unlimited domestic ATM fee reimbursements, no monthly maintenance fees, and no minimum balance requirements. Earn a $100 bonus when you open a Basic Business Checking account—and maintain a minimum average balance of $5,000 for at least 90 days after account opening.

  • No monthly maintenance fees
  • No minimum account balance requirement
  • Your first 50 checks are free
  • Unlimited domestic ATM fee reimbursement
  • $1,000 minimum opening deposit

Axos prides itself on its simple, convenient, no-fuss approach to a free small business checking account.

5. Chase: Best If You Occasionally Need to Go to a Branch

Chase Bank is another brick-and-mortar bank with branches all across the country for those times when you do need to visit the inside of a bank since there are nearly 4,900 branches and 16,000 ATMs across the country. Chase has business specialists at your local branch for those times when you need to sit down and have a person-to-person conversation with a banker.  You’ll get $300 as a new Chase business checking customer when you open a Chase Total Business Checking® account with qualifying activities. 

  • 250 transactions per month at no charge, plus unlimited electronic deposits and incoming wires
  • $20,000 monthly cash deposit without an additional fee
  • All incoming wires and two outgoing domestic wires at no charge per statement cycle
  • Options for signers and employees to access ATMs and make purchases
  • No additional charge for Positive Pay and Reverse Positive Pay Protection services 
  • Interest option available — see your banker for more information
  • Personal account benefits available
  • Monthly service fee waived on a linked Chase Business Premier Savings account
  • Access to 16,000 ATMs and nearly 4,900 branches
  • 24/7 customer service

Chase allows you to have your digital cake and eat it too with a convenient online checking account and other banking services, along with the option to visit Chase Bank branches all across the country.

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What Do You Need to Open a Checking Account Online?

As a general rule, you’ll need the following documents to open a business checking account with most online or brick-and-mortar banks:

  • Your Social Security Number or Employer Identification Number (EIN)
  • A current driver’s license or passport as personal identification
  • Your business license with the name of the business and the owner’s or owners’ names
  • Certificate of assumed name (DBA) if you are a sole proprietor
  • Partnership agreement with the name of the business and its partners (if there are multiple owners)
  • A copy of your organization documents that are filed with the state if you run a corporation or LLC

How to Open a Business Bank Account Online

Some banks that have physical branches may require you to apply in person locally, while others give you the option to open an account online. Obviously, banks that are 100% online give you that option as well!

Opening an account is usually fast and easy. You’ll be asked to input personal details (contact info, date of birth, address, Social Security number) and details about your business (your business structure, address, industry, how long you’ve been in business, annual revenue, number of employees).

Select the type of account you want. You may be required to fund it to open an account, as there may be a minimum daily balance requirement. Your application may be approved instantly, allowing you to access your account online right away, though you’ll have to wait around 10 business days to get your debit card and checks.

What to Consider When Choosing a Bank for Your Business Account

Don’t automatically choose to open a business checking account where the same bank you have your personal account without determining whether or not it is the best bank for your business needs.

Some banks specialize in certain types of businesses or industries. This could also apply to an online bank. If a bank has experience in your industry or similar small businesses, they may even offer additional services or custom offerings designed to benefit you and other businesses like yours.

Before you choose an online bank for your business, make sure you know:

  • If there are monthly account fees and if there are requirements to have those fees waived
  • If your checking account will earn interest and what the expected interest rate may be
  • Whether there are transaction fees for writing checks, accepting credit cards, etc.
  • If there are any introductory offers

You want to make sure the online bank offers services to meet your needs. For example, if you accept a lot of cash transactions, is there a way to make cash deposits? Are there branch locations in your area? If not and you feel you need a local branch, it may not be the bank best suited for the way you do business.

Why You Should Open a Business Checking Account Online

Although most banks have some kind of digital presence, online banking services are relatively new. In other words, just because your neighborhood bank has a website, it doesn’t mean it offers all its banking services online. 

Online banks are capable of offering most of the banking services you’ll find at the bank branch around the corner, without the expense of a physical location, or locations. As a result, there are some pretty compelling benefits most small business owners might appreciate.

  • Your business savings account will earn higher interest rates—sometimes as much as 1%; significantly higher than a conventional bank
  • An online bank’s lower overhead means you pay less in fees than a conventional bank
  • It’s easier to establish an online bank account with applications that are designed to be completed quickly and easily
  • Online bank accounts can connect seamlessly to payment processing accounts and other digital banking services
  • Most online banks are FDIC-insured like a brick-and-mortar bank

Nevertheless, if you make a lot of cash deposits, write a lot of checks, or want ATM access anywhere and everywhere, an online bank might not be the best choice for you. With that being said, if you do the lion’s share of your business digitally already, an online bank account may be just up your alley.

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Online Business Account FAQ

Now let’s address questions you may have about online business bank accounts.

Can I Open a Business Checking Account Online?

Typically, yes, there are many options for establishing a business checking account online, including the five options listed in this article. However, some physical banks may require you to open an account at a local branch.

How Much is it to Open a Business Checking Account?

Typically, the only cost associated with opening an online business checking account is the minimum opening deposit amount. Some online banks will assess transaction fees for some accounts, but there shouldn’t be a fee associated with opening the account.

Can I Use a Personal Bank Account for my Small Business?

This may work when you’re running a new business, but ultimately, you’ll want to open a separate account to make it easier to track business income and expenses.

Can I Pay Personal Expenses from my Online Business Bank Account?

There’s no law saying you can’t do this, however, it may make filing your business taxes more challenging, as you will have to parse out your business expenses from personal.

Which is the Easiest Bank to Open a Business Bank Account With?

Most online applications are pretty straightforward to open an account, but some online banks may want you to speak with an account manager before they approve your account. You should also expect that your account won’t be open immediately and will likely take several days to activate once opened.

Do You Need an EIN to Open a Business Bank Account?

An Employer Identification Number, or EIN, though not always required in every case, is a good idea. A sole proprietor or solopreneur, who doesn’t have any employees, will likely not need an EIN, but if you operate as an LLC or corporation, it will be a requirement to create your business identity. 

Do You Need Money to Open an Online Business Bank Account?

Yes. Each bank will have its own minimum required deposit when you open an account.

Do I need an LLC for a business bank account?

Not necessarily. Most banks will allow you to open a business account whether you run a sole proprietorship, partnership, LLC, or corporation.

This article was originally written on October 8, 2020 and updated on August 9, 2021.

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Susan Guillory

Susan Guillory is a Senior Content Writer for Nav. She’s written books on business and travel, and blogs about small business on sites including Forbes and AllBusiness.

Источник: https://www.nav.com/blog/online-business-accounts-5-best-options-to-open-business-accounts-online-720975/

SunTrust Bank, Now Truist, Review

Editor’s Note: In December 2019, BB&T and SunTrust completed a merger of equals to become Truist Bank, headquartered in Charlotte, North Carolina. As described below in About SunTrust, Now Truist, SunTrust is still operating under its own name until early 2022.

SunTrust has been a Georgia-based home to a host of banking and financial products and services for consumers, small businesses and corporate and commercial clients.

SunTrust mainly has branches in the Southeast, but its merger with BB&T to form Truist may expand its footprint. You can open an account online with SunTrust even if you don’t live in a state where it has a branch presence.

SunTrust’s product details, rates and fee information may vary by location. SunTrust has been headquartered in Atlanta, but is moving to Charlotte, North Carolina, under the merger. For the purposes of this review, we used a Charlotte ZIP code of 28202.

This review focuses on SunTrust Bank’s personal banking services. Account details and annual percentage yields (APYs) are accurate as of Nov. 11, 2021.

Account Basics

Checking

SunTrust Bank offers two checking accounts for consumers: Essential Checking and Advantage Checking. Below are the details of these accounts.

Essential Checking. Essential Checking is a basic checking account designed for everyday banking. A deposit of at least $100 is required to open this account. The account carries a monthly fee of $7, but that fee can be waived if you meet one of the following requirements:

  • Make 10 or more client-initiated transactions per statement
  • Receive $500 or more in total qualifying direct deposits
  • Maintain a $500 minimum daily collected balance
  • Open the account as a student, for which you’ll receive a waiver for five years

Other account perks include a starter pack of checks and a 10% loyalty bonus when you redeem rewards earned with a SunTrust Cash Rewards credit card for cash back to your checking account. This account also includes person-to-person electronic payment through Zelle.

There’s a $3 paper statement fee, which you can avoid by signing up for paperless online statements. The overdraft fee is steep—$36.

Advantage Checking. This account is an interest-bearing checking account with three tiers of benefits based on your account balance:

  • Advantage. This tier is for balances of $0 to $25,000. It comes with a 10% credit card loyalty cash bonus and an optional Delta SkyMiles Debit Card ($95 annual fee).
  • Advantage Choice. This tier is for balances between $25,000 and $100,000. It comes with a 25% credit card loyalty cash bonus and an optional Delta SkyMiles Debit Card ($75 annual fee).
  • Advantage Preferred. This tier is for balances above $100,000. It comes with a 50% credit card loyalty cash bonus and an optional Delta SkyMiles Debit Card ($25 annual fee).

Advantage Checking carries a $20 monthly maintenance fee, waived in of the following three ways:

  • Receive $3,000 in total monthly qualifying direct deposits
  • Maintain $10,000 total combined balances between linked deposit and investment accounts
  • Have a linked SunTrust small business checking account, lending account or credit card

This checking account currently pays 0.01% APY on all balances. Other perks with this account include a 100-pack of SunTrust customer checks, no-fee money orders and a $25 discount on any size safe deposit box. As with Essential Checking, there’s a $36 overdraft fee.

Savings

SunTrust Bank offers two primary savings accounts: Essential Savings and Youth Advantage Savings.

Essential Savings. Essential Savings is a basic savings account with no monthly fee and no minimum opening balance. You’ll need to maintain a minimum account balance of $0.01 to avoid closure, but, other than that, there are no account requirements. Current savings account interest rates aren’t available online.

With this account, you can track savings goals with balance alerts and make automatic transfers from a SunTrust checking account. There’s a $3 fee for paper statements, which you can avoid by signing up for online paperless statements.

Youth Advantage Savings. SunTrust also offers savings accounts for kids. Youth Advantage Savings is available in two variations:

  • Minor By. This version requires an adult co-owner and is meant to teach children and teens about managing money.
  • UTMA. This version is considered an irrevocable gift to a child that’s transferred to them when they reach the age of majority for their state. Account funds can only be used for the child’s benefit.

Youth Advantage Savings accounts carry no monthly fee until the child reaches the age of 18. If opened online, there is a $50 minimum opening deposit, but no requirement when opened in person at a SunTrust branch.

Money Market

SunTrust has one money market account available: Advantaged Money Market Savings. This account comes with limited check-writing privileges. You can open a money market account for $100. The account carries a $17 monthly maintenance fee, which can be waived each month if you make automatic transfers of at least $100 total or maintain a $10,000 minimum daily collected balance. Current money market account interest rates aren’t posted online.

CDs

SunTrust also carries Personal Certificates of Deposit (CDs). CDs can be a good way to maximize savings if you don’t need immediate access and are able to set aside funds for a specific period, but SunTrust’s CD rates are fairly low, especially compared to the best CD rates.

SunTrust offers four Personal Certificates of Deposit (CD), ranging from six months to 24 months, on its website. You can open these promotional CDs online. But there are numerous other terms available that range from seven days to 10 years, according to the bank’s website and Certificates of Deposit (CDs) Account Overview Guide. You must visit a branch or call the bank to learn more about those terms.

CDs require a $2,000 minimum deposit to open. Here’s an overview of SunTrust’s Personal Certificates of Deposit:

Other Accounts and Services

In addition to its personal deposit accounts, SunTrust Bank also offers the following financial products and services:

  • Credit cards
  • Auto loans
  • Auto refinancing
  • Recreational vehicle loans
  • Person lines of credit
  • Mortgage loans
  • Mortgage refinancing
  • Home Equity Lines of Credit (HELOCs)
  • Home improvement loans
  • Debt consolidation loans
  • Physician loans and line of credit
  • Business loans
  • Small business banking and lending
  • Investment accounts and services
  • Retirement accounts
  • Wealth management services
  • Corporate and commercial services

Access on the Go

SunTrust accounts are accessible online or through its mobile app. Within your online account, you can manage your accounts and access helpful features like online bill pay and e-statements.

SunTrust’s mobile app is available on the App Store (4.1 stars out of 5) and Google Play (4.2 stars out of 5). Through the app, customers can:

  • Manage accounts
  • Pay bills
  • Deposit checks
  • Send money via Zelle
  • Open an account
  • Access credit card and loan accounts

For in-person help, you can visit any of SunTrust’s physical branches located in 17 states and Washington D.C or over 2,000 SunTrust ATMs. You can also get help by calling SunTrust Bank customer support by phone at 800-786-8787 during business hours or using its online chat feature.

Pros

  • Low deposit requirements
  • Monthly maintenance fees are relatively easy to get waived
  • Full-service banking

Cons

  • Low interest rates on deposit accounts
  • High overdraft fees
  • Branches are located primarily in the southeastern U.S.

How SunTrust Bank Stacks Up

SunTrust still exists on its own for now but eventually will transition to Truist Bank. At this point, it’s not yet clear what that will look like in terms of products, services or interest rates.

Individuals in the southeastern U.S. looking for full-service banking are ideal customers for SunTrust Bank. You won’t earn competitive rates, but the bank offers plenty of in-person and online support, along with a full array of accounts and services to meet a host of banking needs. For more competitive rates, turn to the best online banks.

About SunTrust Bank, Now Truist

On Dec. 9, 2019, Winston-Salem, North Carolina-based BB&T (Branch Banking and Trust Company) and Atlanta-based SunTrust completed a merger of equals to become Truist Bank, the sixth largest U.S. bank based on assets, according to FDIC data. Truist is headquartered in Charlotte, North Carolina.

Since the merger was announced, BB&T and SunTrust had been operating under their separate names. Between late 2021 and early 2022, both banks will transition to the single Truist brand.

As of this writing in Nov. 2021, BB&T is already doing business as Truist. The bbt.com website automatically redirects to truist.com. Truist consumer products are now available both online and in BB&T branches. Current BB&T clients’ products are also transitioning to Truist.

According to Truist’s online merger guide, SunTrust’s transition to doing business under the Truist name is scheduled for early 2022. Due to this difference in timing, suntrust.com is still operating under its own name, identified as “SunTrust Now Truist.” Also in early 2022, SunTrust debit cards will become Truist debit cards and all bank signage will change from BB&T and SunTrust to Truist at branches and ATM locations.

Frequently Asked Questions (FAQs)

Is SunTrust Bank FDIC insured?

Yes, SunTrust Bank is insured by the FDIC (Federal Deposit Insurance Corporation) as Truist Bank (FDIC# 9846). All SunTrust Bank accounts are FDIC insured up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

What is required to open a SunTrust Bank account?

You can open a SunTrust Bank account in person at one of its physical branches or online. To open an account, you’ll need to provide personal information, like your name, address, contact information and a government-issued photo ID for identification purposes. A funding source is also required at the time of account opening.

How do I reach a live person at SunTrust Bank?

You can reach SunTrust Bank customer support by calling 800-786-8787 during business hours or using the bank’s online chat feature.

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Источник: https://www.forbes.com/advisor/banking/suntrust-bank-now-truist-review/

Best Bank Account Bonuses & Promotion Offers – November 2021

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When you find a solid savings or checking account, chances are, you’ll get comfortable with your bank – and you’ll never want to switch.

If the bank ticks all the boxes for you – like providing quick access to your money, an easy-to-use mobile app, decent APY, and no monthly maintenance fees – why would you ever want to move your account elsewhere?

It is, after all, a lot of work to change banks! I completely get that.

But by staying with one bank your whole life, you’re missing out on some very attractive checking and savings account offers. I’m talking generous cash bonuses, which you could get just for opening a checking or savings account (or both!).

Whether you’re interested in what the best checking account offers are, or what rewards you could get for opening a new savings account – read on, because, in this post, I’m sharing the ultimate best bank account bonus offers right now.

Best Bank Promotions & Bonus Offers November 2021

Here are the best bank bonuses available right now:

TD Bank Beyond Checking – $300 Bonus

You can earn a $300 sign-up bonus with the TD Beyond Checking account when you open a new account and make $2,500 in direct deposits in the 60 days from account opening.

With TD Bank, you get access to approximately 1,300 free ATMs in the U.S. and get reimbursed for fees from other ATMs if you maintain a minimum daily balance of $2,500.

There is a monthly maintenance fee of $25, but you can go fee-free if you set up a monthly direct deposit of $5,000 or more, or maintain a daily balance of at least $2,500, or have a $25,000 combined balance across eligible TD accounts.

With TD Bank, you’ll also earn interest on your checking account. It may be small (up to 0.05% APY) – but that still means your money is growing. It could add up, especially if the amount you deposit into your account is quite substantial.

TD Bank often offers very attractive combined bonuses, too – for example, previously you could get up to $500 for opening a TD Beyond Checking account and a TD Preferred Savings account. The offer ended in August, but make sure you keep an eye out for new combo deals.

How To Qualify:

To qualify, deposit $25 into your new account, then receive at least $2,500 worth of qualifying deposits within 60 days.

Chase SavingsSM Account – $150 Bonus (expired)

If you’re looking for a large national bank to store your cash, the Chase SavingsSM account is a great place to do so. Plus you’ll get access to 16,000 ATMs and more than 4,700 branches. This is an interest-earning account; however, it’s not the highest at 0.01% APY.

You can get a $150 bonus just by signing up and completing the offer requirements listed below.

How To Qualify:

Once approved, you will have to 20 business days to transfer a total minimum amount of $10,000 in new money and keep that balance for 90 days.

HSBC Advance Checking OR Premier Checking – up to $600 Bonus

To receive up to a whopping $600 welcome bonus, you may want to consider becoming a customer of HSBC. HSBC is offering excellent cash bonuses for opening an HSBC Premier Checking account before June 30, 2021.

You can earn up to $600 if you open an HSBC Premier Checking account and complete qualifying activities (such as making recurring Direct Deposits of at least $5,000 from a third party to the HSBC Premier checking account each month, and receiving monthly Direct Deposits totaling at least $5,000 into the checking account for 3 consecutive months from the second month of account opening).

You’ll get your bonus approximately eight weeks after completing these qualifying activities.

Alternatively, you can get a $450 welcome bonus with a new HSBC Advance Checking account. To qualify, you’ll need to set up qualifying direct deposits into your new HSBC Advance checking account of at least $500 for 3 consecutive months.

You’ll get your bonus approximately eight weeks after completing these qualifying activities.

Both accounts come with no foreign transaction fees and no ATM fees – but a monthly fee may apply if you don’t meet the requirements above, so before you do apply for one of these accounts, make sure you can meet them.

How To Qualify:

To qualify for the HSBC Premier Checking bonus – make recurring Direct Deposits of at least $5,000 from a third party to the HSBC Premier Checking account per month + receive monthly Direct Deposits totaling at least $5,000 for 3 consecutive months from the second month of account opening.

To qualify for the HSBC Advance Checking bonus – make recurring monthly qualifying direct deposits totaling at least $500 from a third party to you new account for 3 consecutive months from the second month of account opening.

Chase Total Checking – $200 Bonus (Expired)

New customers who open a Chase Total Checking accounts can earn a $200 sign-up bonus when you setup direct deposit within 90 days!

This account does have a monthly service fee – but you can avoid paying that if you know how to play by the rules. With Chase Total Checking account, either receive direct deposits totaling $500 per monthly statement period, maintain a balance of $1,500 or more at the beginning of each day or an average beginning day balance of $5,000 in any combination of this account as well as linked Chase checking, savings, or other balances – and you won’t pay the monthly fee.

How To Qualify:

Open a Chase Total Checking account and set up a direct deposit to qualify for a $200 bonus. Sounds pretty awesome, right?

Bank of America – $100 Bonus

If you’re looking for a no-fuss way to qualify for a sign-up bonus, Bank of America offers just that.

Open a new checking account by June 30, 2021, and set up + receive at least two qualifying direct deposits of $250 within the first 90 days of account opening. And – voila – the $100 bonus is yours!

The offer is only valid to new Bank of America checking account customers, so if you already have a checking account with the bank, you won’t qualify. There are three Bank of America checking accounts to choose from:

  • Bank of America Advantage SafeBalance Banking: $25 opening deposit
  • Bank of America Advantage Plus Banking: $100 opening deposit
  • Bank of America Advantage Relationship Banking: $100 opening deposit

Each account has a minimum opening deposit as well as monthly service fees, but there are ways to waive the fees (for example, enrolling in Preferred Rewards, meeting minimum balance requirements, and having a qualifying minimum direct deposit).

How To Qualify:

To qualify, open one of the three checking accounts using the link below by June 30, 2021, and set up and receive two or more qualifying direct deposits of $250 or more within the first 90 days of account opening

Capital One Bonus Offers – Up to $100 Bonus (expired)

Capital One offers sweet cash bonuses to new customers that open one of the accounts below:

  • Earn up to a $100 bonus for opening a Capital One 360 Performance Savings Account – and depositing money into it. Depositing between $250 and $9,999.99 into your new savings account will guarantee a $25 bonus while depositing $10,000 or over will earn you $100.
  • Get a $25 bonus for opening a Capital One 360 Checking Account with a minimum deposit of $250. You will also need to make at least three debit card purchases (or Person2Person payments) within 45 days of opening your account. Your bonus will then be transferred to your account on day 50!

The good thing about these accounts is that there are no maintenance fees nor minimums – although to qualify for the bonuses, you will need to move some money around.

Bear in mind that your bonus is only valid for one account, so you actually can’t open both and get a $125 bonus according to the T&Cs, which is a bit of a shame.

How to Qualify:

To receive this bonus, open a new 360 Performance Savings account and deposit $250 or more into your new account ($10,000 or more if you’re after the big bucks!) or open a 360 checking account and deposit $25 or more and make at least three debit card purchases

Wells Fargo Everyday Checking – $400 Bonus (expired)

Wells Fargo is rewarding new customers with a limited time $400 bonus for opening a new Everyday Checking account.

The account can be opened in a few easy steps online, which is a bonus if you prefer an online experience over visiting a bank branch.

The account does come with a $10 monthly service fee, which can be avoided if you meet any of the following requirements:

  • Making ten or more posted debit card transactions
  • Qualifying direct deposits totaling $500
  • Have a $1,500 minimum daily balance
  • Have a linked Wells Fargo Campus Debit Card or Campus ATM
  • Must be 17 to 24 years old

How To Qualify:

To qualify for the Wells Fargo Bonus Offer, you will need to open an account and deposit $25 into the account. You will also need to receive a total of $4,000 or more in qualifying direct deposits for three consecutive months (within 150 days of opening your account).

Chase Premier Plus Checking – $300 Bonus (expired)

Open a new Chase Premier Plus Checking account, and enjoy a $300 sign-up bonus plus interest on your money.

With Chase, you’ll also earn interest on your money. You’ll earn 0.01% APY, which isn’t much, but that’s still better than nothing – especially on a checking account!

There is a $25 monthly service fee, which can be avoided if you keep an average of at least $15,000 in your account daily. Alternatively, you can go fee-free by setting up automatic payments for your Chase first mortgage from this Chase account.

How To Qualify:

To qualify for the bonus, open a new Chase Premier Plus Checking account, and set up a direct deposit within the first 90 days of opening your account. Within ten business days, you’ll receive the bonus!

How to Choose the Best Bank For You

Checking and savings account offers aside, the bank you choose should tick more than just the new account bonus box.

There are so many options to choose from that finding that one bank that is the absolute best option for your financial needs is becoming more difficult.

However, it’s not impossible! Make sure you do your research and look beyond the sign-up bonus. And be sure to make sure you can qualify for the bonus. Sometimes the direct deposit requirements are pretty high.

There’s so much more to get excited about when you’re thinking about switching banks — thinks like excellent interest rates, no monthly maintenance fees, or quick and free access to thousands of ATMs.

Think about what’s important to you – being able to bank on-the-go with a top-rated app? Or perhaps it’s the ability to speak to a representative face-to-face when you have questions? Or maybe, you’d like to only use one financial institution for all your financial needs – such as a checking account, a savings account, and perhaps even investments? Maybe you want a bank with ATMs everywhere you go?

Thinking about the features that are important to you will help make sure you pick the bank provider that’s right for you. That way, you’ll be making sure that the work you put in earns you not just the bonus – but also a solid banking experience in the long-run.

Online Banks and Credit Unions

Your best option for a bank may not be a national bank. More and more online banks have personal checking accounts which could give an online bank the muscle you need in an every-day bank.

Online banks tend to have high yield savings accounts and money market accounts that pay higher rates of return on your savings.

Finding an ATM will be harder with most online only banks, but several banks reimburse ATM fees when you need to use another bank’s machine. Be sure to find out how many reimbursements you can get during each statement cycle.

Account holders at many online banks like to have accounts at a local national bank or credit union, too. This way you could connect your local and online banks, making transfers more seamless.

For example, you could make a cash deposit through your local bank or credit union and then transfer the money into your online savings account.

Of course, make sure any bank — local or online — has FDIC protections in place.

Didn’t See a Bonus Offer For You? These Banks Run Frequent Bonuses

Not all of these banks run bank offers all the time, so they may not appear on my list above right now.

But if you’d like to shop for bonuses before opening a deposit account, you may be able to find bonuses with these banks:

  • CIT Bank Promotions – I especially like the CD laddering you can get any time at this online bank.
  • Citibank Promotions – Not connected to CIT Bank; a huge financial institution with branches and ATMs everywhere. Look for the Citi Priority Account Package account promotion.
  • Chase Bank Promotions – A full-service bank with branches and ATMs all over.
  • US Bank Promotions – US Bank is the 5th largest bank in the US.
  • Bank of America Promotions – BOA offers numerous promotions and extra perks for account holders.
  • TD Bank Promotions – Checking and savings accounts often come with a nice sign-up bonus.
  • PNC Bank – Virtual Wallet helped pioneer online banking way back when. Look for bonuses when you open a Performance Spend or Performance Select checking account.
  • Huntington Bank – the Huntington 5 checking offers come up once in a while. Anyone can open an account, but the bank’s footprint covers states like Illinois, Michigan, Ohio, and Pennsylvania, West Virginia and Indiana.
  • (Truist) SunTrust – Another bank with a regional footprint (in Florida, Texas, and other Sun Belt states). The Essential Checking Account runs bonus offers from time to time. SunTrust and BB&T have merged to become Truist.
  • American Express — It’s not just a credit card anymore. American Express Bank is great for online savings.
  • Discover Bank — Another staple of the credit card industry with a solid online bank.
  • Fifth Third Bank – great for business checking accounts.
  • BMO Harris – a good combination online / in-person option in states with locations which include Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida, and Wisconsin.
  • Chime – a simple option for millennials.
  • Ally – full-service but online.
  • Citizens Bank – An East Coast option that also excels with private student loans.

Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Источник: https://millennialmoney.com/best-bank-promotions-bonus-offers/

If you’re someone who has had issues with your checking account in the past, then you know that it can be difficult to find a new bank to take you on as a customer.

From too many instances of insufficient funds to excessive over drafting, there are many reasons why you may have been blacklisted by ChexSystems.

Most financial institutions use ChexSystems to track the checking history of account applicants. So, it may be difficult to open a bank account.

In fact, most negative records in ChexSystems remain there for five years. That’s a long time to go without a bank account.

Luckily, there are still many reputable banks that don’t use ChexSystems to qualify customers.

OUR TOP PICK

Best Non-ChexSystems Bank of 2021

Why You Need a Non-ChexSystems Account

A non-ChexSystems checking account can be beneficial to have even if you already have another bank account.

Why? Banks and credit unions that use ChexSystems may conduct a sweep of all existing customers and freeze any bank accounts of individuals who have had a record created.

This can be extremely troublesome if you have all of your money in one place because you may not be able to access your account for as long as 30 days.

So, even if you have an existing account with a positive history, you run the risk of not having access to your own money with little to no warning at all.

Best Banks That Don’t Use ChexSystems of 2021

There are plenty of banks and credit unions that don’t use ChexSystems to choose from, all of which offer different features and benefits regardless of your banking history.

Chime

Overview

With Chime, a bad credit score is no longer a deal-breaker. They offer an award-winning mobile bank account and debit card with no credit check.

You can open an account online with no hidden bank fees. And by that, we mean no overdraft fees, no monthly maintenance fees, no foreign transaction fees, and no minimum balance fees – ever.

They offer over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. Chime is definitely the best option on this list.

Acorns Spend Checking Account

Overview

The Acorns Spend Checking Account is the best of both worlds. It’s a flexible online checking account, and it also provides Acorns’ core investing functionality.

When you sign up for the account, you’ll receive an Acorns Visa debit card. And every time you swipe your card, Acorns rounds your transaction up to the nearest dollar. These funds are then invested in one of the preselected ETF funds you chose.

Plus, Acorns Spend comes with several other helpful features. For example, there are no ATM fees, and Acorns will reimburse you monthly for any third-party fees you accrue. And there are no overdraft fees or minimum balance requirements.

There is a $3 monthly fee for the Acorns Spend Checking Account, but the unlimited ATM reimbursements will more than compensate for this. Here is an overview of the account’s features:

  • Unlimited ATM reimbursement
  • No overdraft fees
  • No minimum balance required
  • FDIC-insured up to $250,000
  • Comes with mobile banking
  • Automated bill pay
  • Mobile check deposit
  • Direct deposit

Langley Federal Credit Union

Langley is another credit union that doesn’t use ChexSystems. They are located in Virginia, but membership is open to customers in all 50 states.

You must first open a share savings account with a minimum deposit of $5 before you can open a checking account. There are no minimum balance or monthly service charges. In addition, they offer free online and mobile banking, free online bill pay, and access to 55,000+ Allpoint ATMs Nationwide.

Account-holders can also get paid up to 3 days early with direct deposit.

Navy Federal Credit Union

To qualify for Navy Federal Credit Union membership, you must be an active-duty or retired member of the military, which includes the Armed Forces, National Guard, Coast Guard, and the Department of Defense.

If this sounds like you, then NFCU could be a great choice because they don’t use ChexSystems or EWS. Plus, there is a free checking account option with no minimum balance requirements and no monthly service fee with a qualifying direct deposit.

SunTrust Bank

When it comes to banks that don’t use Chexsystems, different people have had different experiences with Suntrust. For example, the bank states that it does not use ChexSystems to screen applicants, but some consumers claim they do.

It may depend on the severity of your history, such as fraud. SunTrust has several checking options available, but your best bet may be to start with their Essential Checking account.

You can either pay a $7 monthly service charge or meet one of several conditions to have the fee waived. The options are to have at least 10 bank transactions each month, have at least $500 in monthly deposits, or maintain a $500 balance.

Fort Sill National Bank

FSNB doesn’t use ChexSystems, and you don’t have to be in the military to apply.

The Basic Checking account has a $5 minimum deposit, and you need a daily minimum of $75; otherwise, you’ll be charged a fee of $5.50. In addition, account-holders get a Visa CheckCard and free online banking services.

Renasant Bank

For people residing in Alabama, Florida, Georgia, Mississippi, and Tennessee, Renasant doesn’t look at your ChexSystems report, EWS, or Telecheck.

However, you won’t be eligible if you owe any money to the bank. Account-holders also get a Mastercard debit card. All of their checking accounts require a $50 minimum deposit, and you’ll be charged $7.50 each month unless you maintain a balance of $500 or more.

United Bank

United Bank doesn’t use ChexSystems, but there are only locations in Maryland, Ohio, Pennsylvania, Virginia, West Virginia, and Washington, DC. You can open an account with a $50 minimum deposit. There is no minimum balance requirement or monthly fees.

You can also upgrade to rewards checking, where you earn cashback rewards and discounts on movies, theme parks, and prescriptions. It’s only $10 a month, or you can have the fee waived if you reach 15 purchase transactions monthly or have a minimum of $500 in regular deposits.

TD Bank

TD Convenience Checking is a great option for anyone looking for an affordable checking account. If you maintain a $100 daily minimum balance, the bank will waive the $15 maintenance fee.

This non-ChexSystems bank account comes with a free debit card and 24/7 live customer support. Plus, if you have a home equity or personal loan through TD Bank, you’re eligible for a 0.25% rate discount.

1st Convenience Bank

1st Convenience Bank is a branch of 1st National Bank Texas, and it’s only available in Texas, New Mexico, Arkansas, and Arizona. The bank doesn’t use ChexSystems to determine who can open an account.

You’ll need a minimum deposit of $20 to open a new checking account. And the bank does charge a monthly maintenance fee. However, you can avoid all monthly fees if certain conditions are met.

TCF Bank

TCF Bank has locations in Arizona, Colorado, Illinois, Indiana, Michigan, Minnesota, South Dakota, and Wisconsin.

TCF bank does use ChexSystems, but you can still qualify for a checking account as long as you don’t owe the bank any money. However, applicants with an EWS record may not qualify.

For TCF’s basic account, you need a minimum opening deposit of $25 to get started. After that, there are no minimum balance requirements or monthly fees.

US Bank

U.S. Bank’s Easy Checking Account is a great option for anyone trying to deal with the fallout of a negative ChexSystems report. When setting up the checking account, account holders will receive a free U.S. Bank Visa debit card and use of the mobile app.

If you have combined monthly direct deposits totaling $1,000 or more, U.S. Bank will waive the $6.95 monthly maintenance fee. U.S. Bank is accessible to banking customers across the U.S.

BancorpSouth

BancorpSouth offers several different checking accounts that don’t use ChexSystems, including My Way Checking. This account comes with the basic features you’d expect, like a free debit card, online banking, and bill pay.

You can open an account with a minimum deposit of $50. And you can get the monthly fee waived by meeting certain requirements.

Varo Bank

Varo Bank is an online-only bank that doesn’t use ChexSystems. So you can open a new checking account without worrying about the bank running your ChexSystems report. Varo requires no minimum deposit and has no monthly fees. Account-holders also get early access to direct deposit payments. Direct deposits usually post on the same day they’re received.

Varo Bank knows that just because you need second chance banking doesn’t mean you want sub-standard service. Your account comes with a free Visa debit card, access to over 55,000 Allpoint ATMs, and free paper check mailing.

GoBank

GoBank is a good option for anyone looking for a basic checking account that doesn’t use ChexSystems. With this checking account, account holders can avoid its monthly fee of $8.95 with a $500 direct deposit.

Plus, GoBank offers free access to 42,000 ATMs. And the bank gives its customers access to a wide variety of budgeting and money management tools.

Regions Bank

You’ll need a minimum deposit of $50 to open a Simple Checking Account at Regions Bank. This account doesn’t come with too many bells and whistles. However, it’s a good option for anyone who wants a basic checking account from a bank that doesn’t use ChexSystems.

Regions Bank will lower your monthly maintenance fee from $8 to $5 per month if you sign up for online statements. And you’ll have the option to open a savings account through Regions Bank as well.

TD Ameritrade

TD Ameritrade offers a brokerage account with a comprehensive cash management offering. As a client, you get unlimited check writing. Once you open the brokerage account, you can complete the checking account application online.

A Cash Management account also gives you access to free online bill pay, as well as a free debit card with nationwide rebates on all ATM fees. In addition, there are no monthly fees if you maintain a $100 minimum daily balance. However, it’s important to note that a TD Ameritrade checking account is not FDIC-insured or bank guaranteed.

What’s the difference between non-ChexSystems and second chance banking?

Banks and credit unions that don’t use ChexSystems and second chance checking accounts generally have quite a bit in common. The main difference is that second chance banks may still use ChexSystems, but they’re willing to give you a second chance anyway.

Similar to non-ChexSystems banks, second chance bank accounts usually have either a low balance requirement or none at all. However, with a second chance checking account, you’ll most likely have to pay a monthly maintenance fee.

The best second chance checking accounts still have some of the same features and benefits as ChexSystems banks and credit unions, such as overdraft protection, online banking, and bill pay. With both accounts, you should also be able to upgrade to a standard checking account once you have a positive banking history.

Other Alternatives to Banking Without ChexSystems

If you still can’t qualify for one of these accounts or prefer to explore other options, you do have some choices. Here are the top alternatives to banking without ChexSystems, along with the pros and cons of each choice.

Second Chance Checking – As we mentioned above, sometimes a bank or credit union will offer second chance checking accounts to consumers who have a bad banking history. These accounts are sometimes called “fresh start checking” or “opportunity checking.” There are even some big banks like Wells Fargo and Bank of America that offer second chance banking.

Prepaid Debit Cards – A prepaid debit card acts very similarly to a regular debit card. The difference is you usually do have to pay a monthly fee of a few dollars. Each prepaid debit card has different ways to upload money, but usually, you can do it at a major retail store like Walmart or online. However, there may be additional fees when you load money.

Secured Credit Cards – A secured credit card can help you get a card to make purchases online and in-store, but it does come with some major drawbacks. You need to use your own cash as collateral against the account, plus you’ll still pay interest on any credit card balances you don’t pay in full. These cards are generally used to improve your credit score.

Online Services – Some reputable websites like PayPal offer e-wallet services to let you store your cash and pay online. You may even be able to qualify for a debit card. Unlike traditional banks, however, your funds may not be FDIC-insured, so do some research before making a decision.

Foreign Bank Accounts – Live near the Canadian or Mexican border? Consider opening a bank account in another country. It sounds extreme, but foreign banks may have different approval requirements you could benefit from.

Bottom Line

While the above list is a great start, we also explain how to get out of ChexSystems so that you can clear your name from their database. Follow the simple steps provided on that page, and before you know it, you will be able to choose to do business with any bank you want.

Источник: https://www.crediful.com/banks-that-dont-use-chexsystems/

Pros Explained

  • Seamless integration with digital payment applications: SunTrust allows customers to link SunTrust Mastercard credit and debit cards and SunTrust Visa credit cards to Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and Click to Pay. This makes contactless payments an effortless process, no matter which digital application you prefer.
  • Multiple ways to earn cash back and other perks: The SunTrust Deals program offers banking customers personalized offers to earn cash back by making purchases with their SunTrust debit or credit card at participating retailers. Plus, if customers have a rewards credit card with SunTrust, they can increase the cash back they receive from that card by 10% if they have the cash back deposited into any SunTrust deposit account.
  • Online, mobile, and text-based banking available: SunTrust customers can handle their banking tasks with a robust online banking portal. You also have the option of downloading the mobile app, available for iOS and Android, to your device, which provides a wide range of services, including mobile alerts. Customers can also handle several banking services via text message.

Cons Explained

  • Only available in southeastern U.S.: Despite being the seventh-largest bank in the United States, SunTrust is only present in 10 states and the District of Columbia.
  • Website not completely transparent: Interest rates are listed on the website based on your zip code, so it may be necessary to call the bank to learn what rates you can expect from interest-bearing accounts.
  • Low interest rates: The rates, when you do call to determine what they are, seem to be relatively low, even in a time when most banks have low rates.

Who Is SunTrust Best For?

SunTrust will be the right bank for customers looking for perks with their basic checking and savings options. It may be a particularly good fit for those who:

  • Wish to bank with a large and well-established institution
  • Reside in Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia, or the District of Columbia
  • Would like to receive cash back from their debit and credit card purchases and cash bonuses for putting that cash back into their SunTrust deposit accounts
  • Need a seamless integration with digital payment apps

What Does SunTrust Offer?

SunTrust has a wide array of banking products for its customers. These include:

Savings Account

This basic savings account can be a good way for new savers to get acclimated to the habit of setting money aside. SunTrust’s Essential Savings account offers no interest, but it also has no minimum deposit and no monthly fees whatsoever (provided you opt-out of receiving paper statements, which cost $3 per month).

In addition, having an Essential Savings account gives you access to a 10% Loyalty Cash Bonus with a SunTrust Rewards credit card. You just need to redeem your cash back into a SunTrust Essential Savings account (or any other SunTrust deposit account) to receive the additional 10% loyalty bonus.

Overdraft Assurance Fee

Though overdraft protection is free, signing up for the Overdraft Assurance line of credit will trigger a $7 per month fee for the service. This $7 fee will be debited from your checking account each month.

Checking Accounts

The Essential Checking account requires a $100 minimum deposit to open and comes with a $7 monthly maintenance fee. However, you can have the fee waived by doing one of the following:

  • Make 10 or more transactions per statement cycle
  • Make $500 or more in total direct deposits per statement cycle
  • Keep a $500 minimum daily balance aggregated across all your deposit accounts
  • Open your Essential Checking account as a student and receive a five-year student waiver of the monthly maintenance fee

You will be subject to an overdraft fee of $36 if you overdraw your Essential Checking account, and you may be subject to up to six overdraft fees per day. However, this account comes with Default Decline, which means the account is set up to decline any ATM or one-time debit card transactions that may overdraw your account.

You may also opt for the Transactions Paid Option, which will authorize a one-time debit card purchase or ATM transaction when there is not enough money available in the account, though it will also trigger the $36 overdraft fee. You may instead choose overdraft protection and link your Essential Checking account to another SunTrust deposit account, credit card, personal line of credit, or Overdraft Assurance line of credit to cover overdrafts, with a fee of $12.50 per transfer.

Essential Checking account holders are also eligible for the 10% Loyalty Cash Bonus with a SunTrust Cash Rewards credit card.

There are three tiers of the Advantage Checking account at SunTrust, although all three offer a 0.01% annual percentage yield (APY) on your balance. Like the non-interest-bearing Essential Checking account, Advantage Checking requires a $100 minimum deposit to open. All three tiers of Advantage Checking have a $20 per month maintenance fee that can be waived in one of the following ways:

  • By making direct deposits totaling $3,000 or more each month
  • By maintaining $10,000 total combined relationship balances across all of your SunTrust deposit or investment accounts
  • By holding a linked SunTrust Small Business Checking account, Lending account, or credit card

There are several perks that all three tiers of Advantage Checking share. These include a starter pack of 100 checks, access to up to four Essential Checking accounts with the monthly maintenance fees waived, three out-of-network ATM fees waived per billing cycle, SunTrust fees waived on incoming wire transfers, and free money orders and official checks.

The big benefit of Advantage Checking, however, is the Loyalty Cash Bonus, and that’s where you see the difference among the three tiers. The first tier, Advantage, is when you carry a balance between $0 and $25,000, and it means you receive the 10% Loyalty Cash Bonus with a SunTrust Cash Rewards credit card. You reach the Advantage Choice tier when your balance is between $25,000 and $100,000, making you eligible for a Loyalty Cash Bonus of 25%. Reach the Advantage Preferred Tier with a balance of $100,000 or more, and you are eligible for a 50% Loyalty Cash Bonus.

Certificates of Deposit (CDs)

SunTrust offers two CDs. The Personal CD is a traditional CD, requiring a minimum deposit of $2,000 and available in terms ranging from seven days to 10 years. However, when we called customer service on May 20, 2020, to determine the CD rates (as they are not all listed online), Investopedia was not provided with rates for all terms. Here are the rates that are available online in Los Angeles as of July 9, 2021.

SunTrust also offers the Advantage CD, which provides one penalty-free withdrawal per term and also allows CD holders to continue to add funds to the principal after the account has been opened. The Advantage CD has a $1,000 minimum deposit and is only available in a one-year term.

The Advantage CD also offers higher interest rates if you set up a recurring monthly automatic transfer of at least $50.

SunTrust Personal Certificates of Deposit (CDs)
TermAPYMinimum Deposit
Six Months0.05%$2,000
12 Months0.05%$2,000
18 Months0.05%$2,000
24 Months0.05%$2,000

Credit Cards

You have your choice of four different MasterCard credit card options with SunTrust, each geared toward a different consumer need. Every card on this list qualifies you for a Loyalty Cash Bonus if you have your cash-back rewards deposited into a SunTrust deposit account.

  • SunTrust Secured Credit Card:For those working to build or rebuild their credit, this cash-back secured card offers you the best of both worlds.
  • SunTrust Cash Rewards Credit Card: This no-annual-fee rewards card offers 2% unlimited cash back on gas and groceries and 1% unlimited cash back on all other qualifying purchases.
  • SunTrust Travel Rewards Credit Card: You’ll pay no annual fee in the first 12 months with this card, but you can expect to pay $89 per year thereafter. With this card, you will receive 3% unlimited cash back on qualifying travel purchases, 2% unlimited cash back on qualified dining, and 1% unlimited chase back on all other qualified purchases.
  • SunTrust Prime Rewards Credit Card: This no-annual-fee card has an unusual promotional offer: When you sign up, you’ll receive a three-year APR at the prime rate for any balance transfers you make within the first 60 days of opening the account.

Other Financial Products Offered by SunTrust Bank

SunTrust also offers the following products in addition to those listed above:

  • Car loans
  • Purchase mortgages
  • Refinance mortgages
  • Home Equity Lines of Credit (HELOCs)
  • Individual Retirement Accounts (IRAs)
  • Self-directed trading
  • Managed investment portfolios
  • Private banking
  • Financial Advisors
  • Business loans

SunTrust Customer Service

SunTrust’s customer service line is available for automated service 24 hours a day at 1-800-786-8787, and the website offers a full menu of service options to help any banking customers needing assistance at any time of the day or night. However, the lack of transparency on the site extends to customer service information. For instance, the site does not provide information on what hours the call center is open to reach an actual human customer service rep.

SunTrust’s app, however, is well rated on both the Apple and Google Play stores, at 4.1 and 4.2, respectively.J.D. Power also notes that SunTrust has high satisfaction rankings among customers but was not included in the 2019 National Banking Satisfaction Study because its merger with BB&T (which is also highly rated) had not yet completed at the time of the study.

How to Bank With SunTrust

SunTrust makes it very easy to open an account online. Customers living in one of the 10 states served by the bank (and the District of Columbia) can also drop into one of the 1,406 branches or stop at one of the more than 2,000 ATMs for their transactions. The mobile banking options also make it easy for SunTrust customers to bank on the go, including using digital payment apps and text-banking.

Verdict

While the lack of online transparency may make comparing SunTrust to other banks a little more difficult, this financial institution offers a number of solid perks with its myriad products and services. Though SunTrust’s rates for interest-bearing accounts and CDs may be relatively low, the Loyalty Cash bonuses may make up for these unimpressive rates.

Methodology

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of banks. We collected over 20 data points across more than 80 banks—including products available, interest rates, fees, and accessibility—to ensure that our content helps users make the right decision for their savings and banking needs.

Источник: https://www.investopedia.com/suntrust-bank-review-4845691

SunTrust Bank, Now Truist, Review

Editor’s Note: In December 2019, BB&T and SunTrust completed a merger of equals to become Truist Bank, headquartered in Charlotte, North Carolina. As described below in About SunTrust, Now Truist, SunTrust is still operating under its own name until early 2022.

SunTrust has been a Georgia-based home to a host of banking and financial products and services for consumers, small businesses and corporate and commercial clients.

SunTrust mainly has branches in the Southeast, but its merger with BB&T to form Truist may expand its footprint. You can open an account online with SunTrust even if you don’t live in a state where it has a branch presence.

SunTrust’s product details, rates and fee information may vary by location. SunTrust amazon chime video been headquartered in Atlanta, but is moving to Charlotte, North Carolina, under the merger. For the purposes of this review, we used a Charlotte ZIP code of 28202.

This review focuses on SunTrust Bank’s personal banking services. Account details and annual percentage yields (APYs) are accurate as of Nov. 11, 2021.

Account Basics

Checking

SunTrust Bank offers two checking accounts for consumers: Essential Checking and Advantage Checking. Below are the details of these accounts.

Essential Checking. Essential Checking is a basic checking account designed for everyday banking. A deposit of at least $100 is required to open this account. The account carries a monthly fee of $7, but that fee can be waived if you meet one of the following requirements:

  • Make 10 or more client-initiated transactions per statement
  • Receive $500 or more in total qualifying direct deposits
  • Maintain a $500 minimum daily collected balance
  • Open the account as a student, for which you’ll receive a waiver for five years

Other account perks include a starter pack of checks and a 10% loyalty bonus when you redeem rewards earned with a SunTrust Cash Rewards credit card for cash back to your checking account. This account also includes person-to-person electronic payment through Zelle.

There’s a $3 paper statement fee, which you can avoid by signing up for paperless online statements. The overdraft fee is steep—$36.

Advantage Checking. This account is an interest-bearing checking account with three tiers of benefits based on your account balance:

  • Advantage. This tier is for balances of $0 to $25,000. It comes with a 10% credit card loyalty cash bonus and an optional Delta SkyMiles Debit Card ($95 annual fee).
  • Advantage Choice. This tier is for balances between $25,000 and $100,000. It comes with a 25% credit card loyalty cash bonus and an optional Delta SkyMiles Debit Card ($75 annual fee).
  • Advantage Preferred. This tier is for balances above $100,000. It comes with a 50% credit card loyalty cash bonus and an optional Delta SkyMiles Debit Card ($25 annual fee).

Advantage Checking carries a $20 monthly maintenance fee, waived in of the following three ways:

  • Receive $3,000 in total monthly qualifying direct deposits
  • Maintain $10,000 total combined balances between linked deposit and investment accounts
  • Have a linked SunTrust small business checking account, lending account or credit card

This checking account currently pays 0.01% APY on all balances. Other perks with this account include a 100-pack of SunTrust customer checks, no-fee money orders and a $25 discount on any size safe deposit box. As with Essential Checking, there’s a $36 overdraft fee.

Savings

SunTrust Bank offers two primary savings accounts: Essential Savings and Youth Advantage Savings.

Essential Savings. Essential Savings is a basic savings account with no monthly fee and no minimum opening balance. You’ll need to maintain a minimum account balance of $0.01 to avoid closure, but, other than that, there are no account requirements. Current savings account interest rates aren’t available online.

With this account, you can track savings goals with balance alerts and make automatic transfers from a SunTrust checking account. There’s a $3 fee for paper statements, which you can avoid by signing up for online paperless statements.

Youth Advantage Savings. SunTrust also offers savings accounts for kids. Youth Advantage Savings is available in two variations:

  • Minor By. This version requires an adult co-owner and is meant to teach children and teens about managing money.
  • UTMA. This version is considered an irrevocable gift to a child that’s transferred to them when they reach the age of majority for their state. Account funds can only be used for the child’s benefit.

Youth Advantage Savings accounts carry no monthly fee until the child reaches the age of 18. If opened online, there is a $50 minimum opening deposit, but no requirement when opened in person at a SunTrust branch.

Money Market

SunTrust has one money market account available: Advantaged Money Market Savings. This account comes with limited check-writing privileges. You can open a money market account for $100. The account carries a $17 monthly maintenance fee, which can be waived each month if you make automatic transfers of at least $100 total or maintain a $10,000 minimum daily collected balance. Current money market account interest rates aren’t posted online.

CDs

SunTrust also carries Personal Certificates of Deposit (CDs). CDs can be a good way to maximize savings if you don’t need immediate access and are able to set aside funds for a specific period, but SunTrust’s CD rates are fairly low, especially compared to the best CD rates.

SunTrust offers four Personal Certificates of Deposit (CD), ranging from six months to 24 months, on its website. You can open these promotional CDs online. But there are numerous other terms available that range from seven days to 10 years, according to the bank’s website and Certificates of Deposit (CDs) Account Overview Guide. You must visit a branch or call the bank to learn more about those terms.

CDs require a $2,000 minimum deposit to open. Here’s an overview of SunTrust’s Personal Certificates of Deposit:

Other Accounts and Services

In addition to its personal deposit accounts, SunTrust Bank also offers the following financial products and services:

  • Credit cards
  • Auto loans
  • Auto refinancing
  • Recreational vehicle loans
  • Person lines of credit
  • Mortgage loans
  • Mortgage refinancing
  • Home Equity Lines of Credit (HELOCs)
  • Home improvement loans
  • Debt consolidation loans
  • Physician loans and line of credit
  • Business loans
  • Small business banking and lending
  • Investment accounts and services
  • Retirement accounts
  • Wealth management services
  • Corporate and commercial services

Access on the Go

SunTrust accounts are accessible online or through its mobile app. Within your online account, you can manage your accounts and access helpful features like online bill pay and e-statements.

SunTrust’s mobile app is available on the App Store (4.1 stars out of 5) and Google Play (4.2 stars out of 5). Through the app, customers can:

  • Manage accounts
  • Pay bills
  • Deposit checks
  • Send money via Zelle
  • Open an account
  • Access credit card and loan accounts

For in-person help, you can visit any of SunTrust’s physical branches located in 17 states and Washington D.C or over 2,000 SunTrust ATMs. You can also get help by calling SunTrust Bank customer support by phone at 800-786-8787 during business hours or using its online chat feature.

Pros

  • Low deposit requirements
  • Monthly maintenance fees are relatively easy to get waived
  • Full-service banking

Cons

  • Low interest rates on deposit accounts
  • High overdraft fees
  • Branches are located primarily in the southeastern U.S.

How SunTrust Bank Stacks Up

SunTrust still exists on its own for now but eventually will transition to Truist Bank. At this point, it’s not yet clear what that will look like in terms of products, services or interest rates.

Individuals in the southeastern U.S. looking for full-service banking are ideal customers for SunTrust Bank. You won’t earn competitive rates, but the bank offers plenty of in-person and online support, along with a full array of accounts and services to meet a host of banking needs. For more competitive rates, turn to the best online banks.

About SunTrust Bank, Now Truist

On Dec. 9, 2019, Winston-Salem, North Carolina-based BB&T (Branch Banking and Trust Company) and Atlanta-based SunTrust completed a merger of equals to become Truist Bank, the sixth largest U.S. bank based on assets, according to FDIC data. Truist is headquartered in Charlotte, North Carolina.

Since the merger was announced, BB&T and SunTrust had been operating under their separate names. Between late 2021 and early 2022, both banks will transition to the single Truist brand.

As of this writing in Nov. 2021, BB&T is already doing business as Truist. The bbt.com website automatically redirects to truist.com. Truist consumer products are now available both online and in BB&T branches. Current BB&T clients’ products are also transitioning to Truist.

According to Truist’s online merger guide, SunTrust’s transition to doing business under the Truist name is scheduled for early 2022. Due to this difference in timing, suntrust.com is still operating under its own name, identified as “SunTrust Now Truist.” Also in early 2022, SunTrust debit cards will become Truist debit cards and all bank signage will change from BB&T and SunTrust to Truist at branches and ATM locations.

Frequently Asked Questions (FAQs)

Is SunTrust Bank FDIC insured?

Yes, SunTrust Bank is insured by the FDIC (Federal Deposit Insurance Corporation) as Truist Bank (FDIC# 9846). Suntrust bank checking account bonus SunTrust Bank accounts are FDIC insured up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

What is required to open a SunTrust Bank account?

You can open a SunTrust Bank account in person at one of its physical branches or online. To open an account, you’ll need to provide personal information, like your name, address, contact information and a government-issued photo ID for identification purposes. A funding source is also required at the time of account opening.

How do I reach a live person at SunTrust Bank?

You can reach SunTrust Bank customer support by calling 800-786-8787 during business hours or using the bank’s online chat feature.

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Источник: https://www.forbes.com/advisor/banking/suntrust-bank-now-truist-review/

18 best checking account bonus offers for November 2021

Huntington National Bank: Up to $750 bonus

  • Bonus amount: $100, $150, $200, $400, $500 or $750
  • Minimum deposit required: $1,000 for personal accounts, $2,000 to $20,000 for business accounts
  • Monthly maintenance fee: $0 to $5 for personal accounts, $0 to $20 for business accounts
Offer rules

To get a Suntrust bank checking account bonus National Bank checking account bonus, you must open a new Huntington Asterisk-Free Checking, Huntington 5 Checking or Huntington 25 Northern state bank of ashland wi account via the promotions bonus web page by February 7, 2022, and you must deposit at least $1,000 within 60 days. If you open an Huntington Asterisk-Free Checking, you’ll get a $150 bonus, if you open a Huntington 5 account, you’ll qualify for the $200 bonus and if you open a Huntington 25 account and deposit at least $15,000, you’ll get the $500 bonus.

For business accounts, you must open a new Huntington Business Checking 100, Huntington Unlimited Business Checking or Huntington Unlimited Business Checking account via the promotions bonus web page by March 7, 2022. If you open an Huntington Business Checking 100, you must deposit at least $2,000 within 90 days to get a $100 bonus, if you open a Huntington Unlimited Business Checking account, you’ll qualify for the $400 bonus when you deposit $5000 and if you open a Huntington Unlimited Plus Business Checking account and deposit at least $20,000, you’ll get the $750 bonus.

Eligibility

For personal accounts, you must open a new Huntington National Bank checking account via the website’s promo page and deposit at least $1,000 into the account within 60 days. You must deposit at least $15,000 to get the $500 bonus available with the Huntington 25 account.

For business accounts, you must open a new Huntington National Bank checking account via the website’s promo page and make a deposit within 90 days. If you open an Huntington Business Checking 100, you must deposit at least $2,000 to get a $100 bonus, if you open a Huntington Unlimited Business Checking account, you’ll qualify for the $400 bonus when you deposit $5000 and if you open a Huntington Unlimited Plus Business Checking account, you’ll get the $750 bonus if you deposit at least $20,000.

These offers are only available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia and Wisconsin.

Expiration

Bonus available until February 7, 2022 for personal accounts and until March 7, 2022 for business accounts.

Источник: https://www.finder.com/best-checking-account-bonuses

Best Bank Account Bonuses & Promotion Offers – November 2021

Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers.

When you find a solid savings or checking account, chances are, you’ll get comfortable with your bank – and you’ll never want to switch.

If the bank ticks all the boxes for you – like providing quick access to your money, an easy-to-use mobile app, decent APY, and no monthly maintenance fees – why would you ever want to move your account elsewhere?

It is, after all, a lot of work to change banks! I completely get that.

But by staying with one bank your whole life, you’re missing out on some very attractive checking and savings account offers. I’m talking generous cash bonuses, which you could get just for opening a checking or savings account (or both!).

Whether you’re interested in what how to register internet banking in icici best checking account offers are, or what rewards you could get for opening a new savings account – read on, because, in this post, I’m sharing the ultimate best bank account bonus offers right now.

Best Bank Promotions & Bonus Offers November 2021

Here are the best bank bonuses available right now:

TD Bank Beyond Checking – $300 Bonus

You can earn a $300 sign-up bonus with the TD Beyond Checking account when you open a new account and make $2,500 in direct deposits in the 60 days from account opening.

With TD Bank, you get access to approximately 1,300 free ATMs in the U.S. and get reimbursed for fees from other ATMs if you maintain a minimum daily balance of $2,500.

There is a monthly maintenance fee of $25, but you can go fee-free if you set up a monthly direct deposit of $5,000 or more, or maintain a daily balance of at least $2,500, or have a $25,000 combined balance across eligible TD accounts.

With TD Bank, you’ll also earn interest on your checking account. It may be small (up to 0.05% APY) – but that still means your money is growing. It could add up, especially if the amount you deposit into your account is quite substantial.

TD Bank often offers very attractive combined bonuses, too – for example, previously you could get up to $500 for opening a TD Beyond Checking account and a TD Preferred Savings account. The offer ended in August, but make sure you keep an eye out for new combo deals.

How To Qualify:

To qualify, deposit $25 into your new account, then receive at least $2,500 worth of qualifying deposits within 60 days.

Chase SavingsSM Account – $150 Bonus (expired)

If you’re looking for a large national bank to store your cash, the Chase SavingsSM account is a great place to do so. Plus you’ll get access to 16,000 ATMs and more than 4,700 branches. This is an interest-earning account; however, it’s not the highest at 0.01% APY.

You can get a $150 bonus just by signing up and completing the offer requirements listed below.

How To Qualify:

Once approved, you will have to 20 business days to transfer a total minimum amount of $10,000 in new money and keep that balance for 90 days.

HSBC Advance Checking OR Premier Checking – up to $600 Bonus

To receive up to a whopping $600 welcome bonus, you may want to consider becoming a customer of HSBC. HSBC is offering excellent cash bonuses for opening an HSBC Premier Checking account before June 30, 2021.

You can earn up to $600 if you open an HSBC Premier Checking account and complete qualifying activities (such as making recurring Direct Deposits of at least $5,000 from a third party to the HSBC Premier checking account each month, and receiving monthly Direct Deposits totaling at least $5,000 into the checking account for 3 consecutive months from the second month of account opening).

You’ll get your bonus approximately eight weeks after completing these qualifying activities.

Alternatively, you can get a $450 welcome bonus with a new HSBC Advance Checking account. To qualify, you’ll need to set up qualifying direct deposits into your new HSBC Advance checking account of at least $500 for 3 consecutive months.

You’ll get your bonus approximately eight weeks after completing these qualifying activities.

Both accounts come with no foreign transaction fees and no ATM fees – but a monthly fee may apply if you don’t meet the requirements above, so before you do apply for one of these accounts, make sure you can meet them.

How To Qualify:

To qualify for the HSBC Premier Checking bonus – make recurring Direct Deposits of at least $5,000 from a third party to the HSBC Premier Checking account per month + receive monthly Direct Deposits totaling at least $5,000 for 3 consecutive months from the second month of account opening.

To qualify for the HSBC Advance Checking bonus – make recurring monthly qualifying direct deposits totaling at least $500 from a third party to you new account for 3 consecutive months from the second month of account opening.

Chase Total Checking – $200 Bonus (Expired)

New customers who open a Chase Total Checking accounts can earn a $200 sign-up bonus when you setup direct deposit within 90 days!

This account does have a monthly service fee – but you can avoid paying that if you know how to play by the rules. With Chase Total Checking account, either receive direct deposits totaling $500 per monthly statement period, maintain a balance of $1,500 or more at the beginning of each day or an average beginning day balance of $5,000 in any combination of this account as well as linked Chase checking, savings, or other balances – and you won’t pay the monthly fee.

How To Qualify:

Open a Chase Total Checking account and set up a direct deposit to qualify youtube 1st amendment audit 2019 a $200 bonus. Sounds pretty awesome, right?

Bank of America – $100 Bonus

If you’re looking for a no-fuss way to qualify for a sign-up bonus, Bank of America offers just that.

Open a new checking account by June 30, 2021, and set up + receive at least two qualifying direct deposits of $250 within the first 90 days of account opening. And – voila – the $100 bonus is yours!

The offer is only valid to new Bank of America checking account customers, so if you already have a checking account with the bank, you won’t qualify. There are three Bank of America checking accounts to choose from:

  • Bank of America Advantage SafeBalance Banking: $25 opening deposit
  • Bank of America Advantage Plus Banking: $100 opening deposit
  • Bank of America Advantage Relationship Banking: $100 opening deposit

Each account has a minimum opening deposit as well as monthly service fees, but there are ways to waive the fees (for maurices capital one sign in, enrolling in Preferred Rewards, meeting minimum balance requirements, and having a qualifying minimum direct deposit).

How To Qualify:

To qualify, open one of the three checking accounts using the link below by June 30, 2021, and set up and receive two or more qualifying direct deposits of $250 or more within the first 90 days of account opening

Capital One Bonus Offers – Up to $100 Bonus (expired)

Capital One offers sweet cash bonuses to new customers that open one of the accounts below:

  • Earn up to a $100 bonus for opening a Capital One 360 Performance Savings Account – and depositing money into it. Depositing between $250 and $9,999.99 into your new savings account will guarantee a $25 bonus while depositing $10,000 or over will earn you $100.
  • Get a $25 bonus for opening a Capital One 360 Checking Account with a minimum deposit of $250. You will also need to make at least three debit card purchases (or Person2Person payments) within 45 days of opening your account. Your bonus will then be transferred to your account on day 50!

The good thing about these accounts is that there are no maintenance fees nor minimums – although to qualify for the bonuses, you will need to move some money around.

Bear in mind that your bonus is only valid for one account, so you actually can’t open both and get a $125 bonus according to the T&Cs, which is a bit of a shame.

How to Qualify:

To receive this bonus, open a new 360 Performance Savings account and deposit $250 or more into your new account ($10,000 or more if you’re after the big bucks!) or open a 360 checking account and deposit $25 or more and make at least three debit card purchases

Wells Fargo Everyday Checking – $400 Bonus (expired)

Wells Fargo is rewarding new customers with a limited time $400 bonus for opening a new Everyday Checking account.

The account can be opened in a few easy steps online, which is a bonus if you prefer an online experience over visiting a bank branch.

The account does come with a $10 monthly service fee, which can be avoided if you meet any of the following requirements:

  • Making ten or more posted debit card transactions
  • Qualifying direct deposits totaling $500
  • Have a $1,500 minimum daily balance
  • Have a linked Wells Fargo Campus Debit Card or Campus ATM
  • Must be 17 to 24 years old

How To Qualify:

To qualify for the Wells Fargo Bonus Offer, you will need to open an account and deposit $25 into the account. You will also need to receive a total of $4,000 or more in qualifying direct deposits for three consecutive months (within 150 days of opening your account).

Chase Premier Plus Checking – $300 Bonus (expired)

Open a new Chase Premier Plus Checking account, and enjoy a $300 sign-up bonus plus interest on your money.

With Chase, you’ll also earn interest on your money. You’ll earn 0.01% APY, which isn’t much, but that’s still better than nothing – especially on a checking account!

There is a $25 monthly service fee, which can be avoided if you keep an average of at least $15,000 in your account daily. Alternatively, you can go fee-free by setting up automatic payments for your Chase first mortgage from this Chase account.

How To Qualify:

To qualify for the bonus, open a new Chase Premier Plus Checking account, and set up a direct deposit within the first 90 days of opening your account. Within ten business days, you’ll receive the bonus!

How to Choose the Best Bank For You

Checking and savings account offers aside, the bank you choose should tick more than just the new account bonus box.

There are so many options to choose from that finding that one bank that is the absolute best option for your financial needs is becoming more difficult.

However, it’s not impossible! Make sure you do your research and look beyond the sign-up bonus. And be sure to make sure you can qualify for the bonus. Sometimes the direct deposit requirements are pretty high.

There’s so much more to get excited about when you’re thinking about switching banks — thinks like excellent interest rates, no monthly maintenance fees, or quick and free access to thousands of ATMs.

Think about what’s important to you – being able to bank on-the-go with a top-rated app? Or perhaps it’s the ability to speak to a representative face-to-face when you have questions? Or maybe, you’d like to only use one financial institution for all your financial needs – such as a checking account, a savings account, and perhaps even investments? Maybe you want a bank with ATMs everywhere you go?

Thinking about the features that are important to you will help make sure you pick the bank provider that’s right for you. That way, you’ll be making sure that the work you put in earns you not just the bonus – but also a solid banking experience in the long-run.

Online Banks and Credit Unions

Your best option for a bank may not be a national bank. More and more online banks have personal checking accounts which could give an online bank the muscle you need in an every-day bank.

Online banks tend to have high yield savings accounts and money market accounts that pay higher rates of return on your savings.

Finding an ATM will be harder with most online only banks, but several banks reimburse ATM fees when you need to use another bank’s machine. Be sure to find out how many reimbursements you can get during each statement cycle.

Account holders at many online banks like to have accounts at a local national bank or credit union, too. This way you could connect your local and online banks, making transfers more seamless.

For example, you could make a cash deposit through your local bank or credit union and then transfer the money into your online savings account.

Of course, make sure any bank — local or online — has FDIC protections in place.

Didn’t See a Bonus Offer For You? These Banks Run Frequent Bonuses

Not all of these banks run bank offers all the time, so they may not appear on my list above right now.

But if you’d like to shop for bonuses before opening a deposit account, you may be able to find bonuses with these banks:

  • CIT Bank Promotions – I especially like the CD laddering you can get any time at this online bank.
  • Citibank Promotions – Not connected to CIT Bank; a huge financial institution with branches and ATMs everywhere. Look for the Citi Priority Account Package account promotion.
  • Chase Bank Promotions – A full-service bank with branches and ATMs all over.
  • US Bank Promotions – US Bank is the 5th largest bank in the US.
  • Bank of America Promotions – BOA offers numerous promotions and extra perks for account holders.
  • TD Bank Promotions – Checking and savings accounts often come with a nice sign-up bonus.
  • PNC Bank – Virtual Wallet helped pioneer online banking way back when. Look for bonuses when you open a Performance Spend or Performance Select checking account.
  • Huntington Bank – the Huntington 5 checking offers come up once in a while. Anyone can open an account, but the bank’s footprint covers states like Illinois, Michigan, Ohio, and Pennsylvania, West Virginia and Indiana.
  • (Truist) SunTrust – Another bank with a regional footprint (in Florida, Texas, and other Sun Belt states). The Essential Checking Account runs bonus offers from time to time. SunTrust and BB&T have merged to become Truist.
  • American Express — It’s not just a credit card anymore. American Express Bank is great for online savings.
  • Discover Bank — Another staple of the credit card industry with a solid online bank.
  • Fifth Third Bank – great for business checking accounts.
  • BMO Harris – a good combination online / in-person option in states with locations which include Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Florida, and Wisconsin.
  • Chime – a simple option for millennials.
  • Ally – full-service but online.
  • Citizens Bank – An East Coast option that also excels with private student loans.

Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Источник: https://millennialmoney.com/best-bank-promotions-bonus-offers/


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Источник: https://arcengineeringservices.in/uq3j5/t2fkzyh.php?hjjs=best-bank-bonus-now-without-direct-deposit-requirement

The Top Bank Promotions That Will Get You Free Money

Chase $250 Bonus for Opening a Checking and Savings Account

You can choose to get $150 when you open a Chase Total Checking account with direct deposit, $100 when you open a new Chase Saving account, or $250 for both.

With the savings account you'll need to deposit a total of $10,000 or more within 10 business days and maintain that balance for 90 days.

This offer expires July 18, 2016.

U.S. Bank $100 Bonus for Opening a Checking and Monkey Market Account

You can get up to a $100 bonus from U.S. Bank by opening up both a checking and money market savings account.

A minimum deposit of $25 is required when opening the checking account and a minimum of $25 is required when opening the money market savings account.

You'll need to schedule and maintain a qualifying reoccurring transfer from your checking account to your savings account.

When your savings balance reaches $500, U.S. Bank will deposit $50 into your account and also give you a $50 debit card for gas and groceries.

This bank promotion is ongoing.

Discover $135 in Rewards for Opening an NBA Checking Account

Open an NBA checking account at Discover and you'll get $100 NBAStore.com gift card, $15 Amazon gift card, and $10 iTunes gift card.

A $25 minimum opening deposit is required.

Citizens Bank $1,000 Bonus for Opening a College Savings Account

Open a Citizens Bank CollegeSaver Savings Account for your child's college and you'll get a $1,000 bonus plus interest added to your account after your child turns 18.

To get your bonus, you'll need to open the account before your child's 6th birthday and make net deposits of $25 minimum each month or before the 12th birthday with net deposits of $50 per month.

There's a minimum opening balance of $25 for children under 6 or $500 for children between 6 and 12.

This bank promotion is ongoing.

SunTrust $100-$200 Checking Accounting Bonus With New Account

You can earn a $200 bonus from SunTrust bank when you open a new Selecting Checking account. This requires a $100 deposit within 14 days of opening and $2,000 in additional direct deposits within the first 60 days.

Alternatively, you can get a bonus of $100 when you open a SunTrust Essential Checking account. You'll need to deposit at least $100 in the first 14 days and make $500 or more in direct deposits within the first 60 days.

This offer expires July 31, 2016.

Источник: https://www.liveabout.com/top-bank-promotions-that-will-get-you-free-money-1358032

If you’re someone who has had issues with your checking account in the past, then you know that it can be difficult to find a new bank to take you on suntrust bank checking account bonus a customer.

From too many instances of insufficient funds to excessive over drafting, there are many reasons why you may have been blacklisted by ChexSystems.

Most financial institutions use ChexSystems to track the checking history of account applicants. So, it may be difficult to open a bank account.

In fact, most negative records in ChexSystems remain there for five years. That’s a long time to go without a bank account.

Luckily, there are still many reputable banks that don’t use ChexSystems to qualify customers.

OUR TOP PICK

Best Non-ChexSystems Bank of 2021

Why You Need a Non-ChexSystems Account

A non-ChexSystems checking account can be beneficial to have even if you already have another bank account.

Why? Banks and credit unions that use ChexSystems may conduct a sweep of all existing customers and freeze any bank accounts of individuals who have had a record created.

This can be extremely troublesome if you have all of your money in one place because you may not be able to access your account for as long as 30 days.

So, even if you have an existing account with a positive history, you run the risk of not having access to your own money with little to no warning at all.

Best Banks That Don’t Use ChexSystems of 2021

There are plenty of banks and credit unions that don’t use ChexSystems to choose from, all of which offer different features and benefits regardless of your banking history.

Chime

Overview

With Chime, a bad credit score is no longer a deal-breaker. They offer an award-winning mobile bank account and debit card with no credit check.

You can open an account online with no hidden bank fees. And by that, we mean no overdraft fees, no monthly maintenance fees, no foreign transaction fees, and no minimum balance fees – ever.

They offer over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. Chime is definitely the best option on this list.

Acorns Spend Checking Account

Overview

The Acorns Spend Checking Account is the best of both worlds. It’s a flexible online checking account, and it also provides Acorns’ core investing functionality.

When you sign up for the account, you’ll receive an Acorns Visa debit card. And every time you swipe your card, Acorns rounds your transaction up to the nearest dollar. These funds are then invested in one of the preselected ETF funds you chose.

Plus, Acorns Spend comes with several other helpful features. For example, there are no ATM fees, and Acorns will reimburse you monthly for any third-party fees you accrue. And there are no overdraft fees or minimum balance requirements.

There is a $3 monthly fee for the Acorns Spend Checking Account, but the unlimited ATM reimbursements will more than compensate for this. Here is an overview of the account’s features:

  • Unlimited ATM reimbursement
  • No overdraft fees
  • No minimum balance required
  • FDIC-insured up to $250,000
  • Comes with mobile banking
  • Automated bill pay
  • Mobile check deposit
  • Direct deposit

Langley Federal Credit Union

Langley is another credit union that doesn’t use ChexSystems. They are located in Amazon prime movies to watch, but membership is open to customers in all 50 states.

You must first open a share savings account with a minimum deposit of $5 before you can open a checking account. There are no minimum balance or monthly service charges. In addition, they offer free online and mobile banking, free online bill pay, and access to 55,000+ Allpoint ATMs Nationwide.

Account-holders can suntrust bank checking account bonus get paid up to 3 days early with direct deposit.

Navy Federal Credit Union

To qualify for Navy Federal Credit Union membership, you must be an active-duty or retired member of the military, which includes the Armed Forces, National Guard, Coast Guard, and the Department of Defense.

If this sounds like you, then NFCU could be a great choice because they don’t use ChexSystems or EWS. Plus, there is a free checking account option with no minimum balance requirements and no monthly service fee with a qualifying direct deposit.

SunTrust Bank

When it comes to banks that don’t use Chexsystems, different people have had different experiences with Suntrust. For example, the bank states that it does not use ChexSystems to screen applicants, but some consumers claim they do.

It may depend on the severity of your history, such as fraud. SunTrust has several checking options pinnacle bank arena events, but your best bet may be to start with their Essential Checking account.

You can either pay a $7 monthly service charge or meet one of several conditions to have the fee waived. The options are to have at least 10 bank transactions each month, have at least $500 in monthly deposits, or maintain a $500 balance.

Fort Sill National Bank

FSNB doesn’t use ChexSystems, and you don’t have to be in the military to apply.

The Basic Checking account has a $5 minimum deposit, and you need a daily minimum of $75; otherwise, you’ll be charged a fee of $5.50. In addition, account-holders get a Visa CheckCard and free online banking services.

Renasant Bank

For people residing in Alabama, Florida, Georgia, Mississippi, and Tennessee, Renasant doesn’t look at your ChexSystems report, EWS, or Telecheck.

However, you won’t be eligible if you owe any money to the bank. Account-holders also get a Mastercard debit card. All of their checking accounts require a $50 minimum deposit, and you’ll be charged $7.50 each month unless you maintain a balance of $500 or more.

United Bank

United Bank doesn’t use ChexSystems, but there are only locations in Maryland, Ohio, Pennsylvania, Virginia, West Virginia, and Washington, DC. You can open an account with a $50 minimum deposit. There is no minimum balance requirement or monthly fees.

You can also upgrade to rewards checking, where you earn cashback rewards and discounts on movies, theme parks, and prescriptions. It’s only $10 a month, or you can have the fee waived if you reach 15 purchase transactions monthly or have a minimum of $500 in regular deposits.

TD Bank

TD Convenience Checking is a great option for anyone looking for an affordable checking account. If you maintain a $100 daily minimum balance, the bank will waive the $15 maintenance fee.

This non-ChexSystems bank account comes with a free debit card and 24/7 live customer support. Plus, if you have a home equity or personal loan through TD Bank, you’re eligible for a 0.25% rate discount.

1st Convenience Bank

1st Convenience Bank is a branch of 1st National Bank Texas, and it’s only available in Texas, New Mexico, Arkansas, and Arizona. The bank doesn’t use ChexSystems to determine who can open an account.

You’ll need a minimum deposit of $20 to open a new checking account. And the bank does charge a monthly maintenance fee. However, you can avoid all monthly fees if certain conditions are met.

TCF Bank

TCF Bank has locations in Arizona, Colorado, Illinois, Indiana, Michigan, Minnesota, South Dakota, and Wisconsin.

TCF bank does use ChexSystems, but you can still qualify for a checking account as long as you don’t owe the bank any money. However, applicants with an EWS record may not qualify.

For TCF’s basic account, you need a minimum opening deposit of $25 to get started. After that, there are no minimum balance requirements or monthly fees.

US Bank

U.S. Bank’s Easy Checking Account is a great option for anyone trying to deal with the fallout of a negative ChexSystems report. When setting up the checking account, account holders will receive a free U.S. Bank Visa debit card and use of the mobile app.

If you have combined monthly direct deposits totaling $1,000 or more, U.S. Bank will waive the $6.95 monthly maintenance fee. U.S. Bank is accessible to banking customers across the U.S.

BancorpSouth

BancorpSouth offers several different checking accounts that don’t use ChexSystems, including My Way Checking. This account comes with the basic features you’d expect, like a free debit card, online banking, and bill pay.

You can open an account with a minimum deposit of $50. And you can get the monthly fee waived by meeting certain requirements.

Varo Bank

Varo Bank is an online-only bank that doesn’t use ChexSystems. So you can open a new checking account without worrying about the bank running your ChexSystems report. Varo requires no minimum deposit and has no monthly fees. Account-holders also get early access to direct deposit payments. Direct deposits usually post on the same day they’re received.

Varo Bank knows that just because you need second chance banking doesn’t mean you want sub-standard service. Your account comes with a free Visa debit card, access to over 55,000 Allpoint ATMs, and free paper check mailing.

GoBank

GoBank is a good option for anyone looking for a basic checking account that doesn’t use ChexSystems. With this checking account, account holders can avoid its monthly fee of $8.95 with a $500 direct deposit.

Plus, GoBank offers free access to 42,000 ATMs. And the bank gives its customers access to a wide variety of budgeting and money management tools.

Regions Bank

You’ll need a minimum deposit of $50 to open a Simple Checking Account at Regions Bank. This account doesn’t come with forbes top modeling agencies many bells and whistles. However, it’s a good option for anyone who wants a basic checking account from a bank that doesn’t use ChexSystems.

Regions Bank will lower your monthly maintenance fee from $8 to $5 per month if you sign up for online statements. And you’ll have the option to open a savings account through Regions Bank suntrust bank checking account bonus well.

TD Ameritrade

TD Ameritrade offers a brokerage account with a comprehensive cash management offering. As a client, you get unlimited check writing. Once you open the brokerage account, you can complete the checking account application online.

A Cash Management account also gives you access to free online bill pay, as well as a free debit card with nationwide rebates on all ATM fees. In addition, there are no monthly fees if you maintain a $100 minimum daily balance. However, it’s important to note that a TD Ameritrade checking account is not FDIC-insured or bank guaranteed.

What’s the difference between non-ChexSystems and second chance banking?

Banks and credit unions that don’t use ChexSystems and second chance checking accounts generally have quite a bit in common. The main difference is that second chance banks may still use ChexSystems, but they’re willing to give you a second chance anyway.

Similar to non-ChexSystems banks, second chance bank accounts usually have either a low balance requirement or none at all. However, with a second chance checking account, you’ll most likely have to pay a monthly maintenance fee.

The best second chance checking accounts still have some of the same features and benefits as ChexSystems banks and credit unions, such as overdraft protection, online banking, and bill pay. With both accounts, you should also be able to upgrade to a standard checking account once you have a positive banking history.

Other Alternatives to Banking Without ChexSystems

If you still can’t qualify for one of these accounts or prefer to explore other options, you do have some choices. Here are the top alternatives to banking without ChexSystems, along with the pros and cons of each choice.

Second Chance Checking – As we mentioned above, sometimes a bank or credit union will offer second chance checking accounts to consumers who have a bad banking history. These accounts are sometimes called “fresh start checking” or “opportunity checking.” There are even some big banks like Wells Fargo and Bank of America that offer second chance banking.

Prepaid Debit Cards – A prepaid debit card acts very similarly to a regular debit card. The difference is you usually do have to pay a monthly fee of a few dollars. Each prepaid debit card has different ways to upload money, but usually, you can do it at a major retail store like Walmart or online. However, there may be additional fees when you load money.

Secured Credit Cards – A secured credit card can help you get a card to make purchases online and in-store, but it does come with some major drawbacks. You need to use your own cash as collateral against the account, plus you’ll still pay interest on any credit card balances you don’t pay in full. These cards are generally used to improve your credit score.

Online Services – Some reputable websites like PayPal offer e-wallet services to let you store your cash and pay online. You may even be able to qualify for a debit card. Unlike traditional banks, however, your funds may not be FDIC-insured, so do some research before making a decision.

Foreign Bank Accounts – Live near the Canadian or Mexican border? Consider opening a bank account in another country. It sounds extreme, but foreign banks may have different approval requirements you could benefit from.

Bottom Line

While the above list suntrust bank checking account bonus a great start, we also explain how to get out of ChexSystems so that you can clear your name from their database. Follow the simple steps provided on that page, and before you know it, you will be able to choose to do business with any bank you want.

Источник: https://www.crediful.com/banks-that-dont-use-chexsystems/

Best SunTrust Bank Checking, Savings Account Deals & Bonuses

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SunTrust Bank is one of the nation's biggest banks that serve the South. You may be considering a new account with the bank because of its large physical presence in your area.

If you are, be sure to see what sign-up bonuses you'll be able to take advantage of when you open an account.

Find out what SunTrust Bank deals are available now:

SunTrust Bank Checking Account Bonuses


SunTrust Bank Checking Account Bonuses Up to $400

TypeDetails
Bonus Amount - Essential Checking$200
Bonus Amount - Signature Advantage$400
Expiration DateJune 30, 2020
AvailabilityNationwide
Credit InquirySoft Pull
ChexSystems (Banking Report) InquiryYes
Minimum Opening Deposit$100

Open one of three different checking accounts from SunTrust Bank and you'll receive a bonus of up to $400, depending on the account that is opened:

  • Essential Checking - $200 bonus
  • Signature Advantage - $400 bonus 

In order to qualify for the bonus, you have to meet the following requirements:

  • Use code Q220ESSENTIAL when opening an eligible account
  • Deposit at least $100 within the first 14 days of account opening
  • Complete at least $2,000 in direct deposits for a Signature Advantage account or $1,000 for an Essential Checking account within 60 days of account opening
  • Make at least 10 debit card purchases within 60 days of account opening

The sign-up bonus will be deposited into your account within 8 weeks of meeting the requirements.

See:The Best Bank Deals Available Now

How to Avoid the Checking Accounts' Monthly Fees

The Essential Checking account is SunTrust's most basic checking account. It has a $7 monthly fee that can be waived with one of the following:

  • Make 10 or more client-initiated transactions per statement cycle
  • Make $500 or more in total qualifying monthly Direct Deposits per statement cycle
  • Keep a $500 minimum daily collected balance
  • Open as a student and receive a 5 year Student waiver

The Essiantial Checking account is a mid-tier checking account with added benefits, including the ability to earn interest on your balance. It has a $15 monthly fee, which can be avoided with any of the following:

  • Make $2,000 or more in total qualifying Direct Deposits
  • Keep a $2,000 minimum daily Essential Checking balance
  • Maintain $10,000 total combined relationship balances linked across deposits, investments, mortgages, and loans
  • Hold a SunTrust Mortgage with SurePaySM
  • Hold a Linked Small Business Checking account

The Signature Advantage account is the top-tier SunTrust checking account for customers who keep a large balance with the bank. It has carries a $25 monthly fee that can only be waived when you:

  • Maintain $25,000 in total deposit balances

SunTrust Checking Account Fees

TypeEssential CheckingSelect CheckingSignature Advantage
Monthly Maintenance Fee$7$15$25
Out-of-Network ATM Fee$3$3 (waived 2x per statement cycle)$0
Overdraft Fee$36$36$36 (waived 3x/rolling 12 months)
Overdraft Protection Transfer Fee$12.50$12.50$12.50
Returned Item$36$36$36 (waived 3x/rolling 12 months)
Stop Payment$36$36$36
Deposited Item Returned or Cashed Check Returned$12.50$12.50$12.50
Incoming Domestic Wire Transfer$15$15$15
Incoming International Wire Transfer$30$30$30
Money Order$5$5$5
Cashiers Check$8$8$8

Compare to Online Suntrust bank checking account bonus Accounts


Get a Form 1099-INT at Year's End

The IRS requires that you report any income that you bring in, including what you get from a bank bonus.

At the end of the year, SunTrust will issue a Form 1099-INT with that amount that you earned from signing up for one of their account bonuses. Remember to include this amount when you're filing your taxes.

What Happens If You Close Your Account Too Soon

SunTrust doesn't want people to open and close accounts just to earn bonuses and leave. In the fine print, the bank reserves the right to deduct the bonus amount from your account if you decide to close it within 180 days of account opening.

Furthermore, you'll get hit with a $25 fee if you close the account within 6 months of account opening. So, you'd lose the bonus and get hit with an early account closure fee.

More:Best Checking Accounts of the Year

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Источник: https://www.mybanktracker.com
suntrust bank checking account bonus

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