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Home Banking

SunTrust Essential Checking For Students (High School, Technical School, College)

Diana Mason by Diana Mason
April 20, 2019 12:00 am CDT
in Banking
0
Earn a $300 cash bonus with BlueVine!
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SunTrust Bank promises to make banking affordable and easy for students by nixing monthly maintenance fees and featuring student-focused benefits. Learn more about SunTrust Essential Checking for Students: the good, the bad and our impressions.

*See the best Student Checking Accounts compared

SunTrust Student Checking Promotions?

SunTrust Bank doesn’t typically offer sign-up bonuses for their Essential Checking for students. They do offer bonuses for their consumer Checking accounts pretty much throughout the year. See current SunTrust Checking promotions here. Another bank that offers a good bonus offer with its Checking account is Chase. Read about the Chase College CheckingSM and it’s bonus offer.

Featured Student Checking Promotion

[su_pricing_table]

[su_plan name=”TD Bank Convenience Checking℠” price=”$200″ after=”bonus” color=”#000000″ btn_url=”https://www.moneysmylife.com/redirect/td-bank-convenience-checking” btn_text=”Learn More” btn_background=”#5fc0e9″]

  • Students 17-23
  • 1300 Branches
  • No Monthly Fee
  • Read Our Review

[/su_plan]

[su_plan name=”Chase First Banking℠” color=”#000000″ btn_url=”https://www.moneysmylife.com/redirect/chase-first-banking” btn_text=”Learn More” btn_background=”#5fc0e9″]

  • Students 6-17
  • 4700+ Branches
  • No Monthly Fee
  • Read Our Review

[/su_plan]

[/su_pricing_table]


The Requirements

  • Minimum Opening Deposit: $100
  • For a five year student waiver, proof of active enrollment is required.

SunTrust Essential Checking Details

The GoodThe BadThe Fees

SunTrust Bank Essential Checking For Students

Waived Monthly Maintenance Fee Of $7

For students, for up to 5 years.

Bank On The Go

SunTrust offers fee-free online and mobile banking with bill pay and mobile deposit.

Digital Payments

SunTrust is compatible with Apple Pay, Samsung Pay, SunTrust Masterpass and Zelle – all easy, safe and secure ways to pay digitally.

SunTrust Deals

Get cash back just by using your SunTrust credit or debit card when you make purchases at hundreds of participating retailers.

Personal Banking Resource Center

Get a headstart to personal finance confidence by using SunTrust’s Resource Center. Topics include protecting your social security number, managing your budget with your credit card, and tips for traveling cheap.

Spotty Coverage

We’re talking just over 1,300 SunTrust branches and 2,000 ATMs in 11 states and Washington, DC. Check out the coverage map below:

Overdraft Fees

Overdrafting on your SunTrust Essential Checking can cost you dearly. Fees of $36 per paid or returned item and a maximum of 6 items per business day, means you could be charged $216 in overdraft fees in just one day. Further, if your account is negative for 5 consecutive business days, it’ll cost you another $36 per day.

No Yield on Deposits

Unfortunately, SunTrust Essential Checking does not bear any interest, but this seems to be the norm for student checking accounts.

UsageFeeNotes
Monthly Maintenance$0With proof of active student enrollment for up to 5 years.
Non-SunTrust Bank ATM (domestic)$3Per transaction, plus operator fees.
Non-SunTrust Bank ATM (international)$5Per transaction, plus 3% of transaction, plus operator fees.
Overdraft/NSF$36Per paid or returned item, max 6 items per business day. SunTrust will waive this fee on transactions that are less than $5.
Extended Overdraft$36Per day, after 5 consecutive business days in the red.
Overdraft Protection Transfer$12.50Per day for each day a transfer is required.
Paper Statement$3Per monthly billing cycle.
Early Closure$25If closed within the first 6 months.
Overdraft Closure$30If closed in overdraft.

The Impression

SunTrust Bank lets you have access to many different features for a convenient banking experience. You can do your banking online or via your mobile device – paying bills, transferring money and depositing checks – anywhere at any time. SunTrust Bank has cash back deals, which might make up for the fact that there is zero interest on deposits made to your Essential Checking account. The bank’s Resource Center is also a great way to learn all about personal finance.

As with most banks out there, please keep a close eye on your balance. Overdraft fees are not fun and can burn a gigantic hole in your wallet.

Learn More

More Student Checking Reviews
  • Chase College Checking℠ Coupon: $125 Bonus Offer – Ends 10/15/2025
  • PSECU Teen Banking Bonus – Get $100 for Learning to Bank Smart [PA] – Ends 12/31/25
  • 10 Best Student Checking Account Offers of March 2025
  • Fizz Sign Up & Referral Bonus: Earn $5-$20 Instantly!
  • Santander Student Value Checking Review (Ages 14 – 25)
  • TD Bank Student Checking Review: Free Checking For Students Under 24
  • U.S. Bank Student Checking Review: No Fees, No Minimums
  • Capital One 360 Money Account Review: Checking Account For Ages 13 To 17
  • BB&T Bank Student Checking Review (Students Age 23 & Younger)
  • SunTrust Essential Checking For Students (High School, Technical School, College)
  • PNC Bank Virtual Wallet Student: Unique Features At Your School
  • Wells Fargo Teen Checking & Everyday Student Checking Review

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

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Diana Mason

Diana Mason

My passion for travel eventually led me away from the 9 to 5 office life and into the embrace of freelance work. Born in Cali and raised in Philly, I am a creative professional with a delightful knack for words. When I'm not gallivanting across the globe, you can find me writing (of course), teaching yoga, and dreaming of my next big adventure.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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