SunTrust Bank Credit Cards

About SunTrust

SunTrust is an American bank with its headquarters in Atlanta, Georgia. The bank traces its roots back to 1891 and the Commercial Travelers’ Savings Bank of Atlanta.  In 1973, Trust Company of Georgia (which was the then name of Commercial Travelers’ Savings Bank of Atlanta) merged with First National Bank of Orlando to become SunBanks.

In 1995, after a series of mergers with banks in Florida, the name SunTrust was introduced. By the 2010s, SunTrust had over $200 billion in assets and over 1,200 branches.

Truist

In February of 2019, BB&T announced plans to acquire SunTrust Bank to create the sixth-largest bank in the United States in terms of assets. The newly merged bank would be known as Truist, with the merger confirmed in December of 2019.

While the Truist name is in use for the combined company, both SunTrust and BB&T still issue credit cards and other products through their original names.

Branch Locations

SunTrust currently operates approximately 1,400 branches throughout ten U.S. states and the District of Columbia:

• Alabama
• Arkansas
• Florida
• Georgia
• Maryland
• Mississippi
• North Carolina
• South Carolina
• Tennessee
• Virginia
• Washington, D.C.

SunTrust also used to have branches in West Virginia, but these were closed in 2018.  The bank also has over 2,100 ATM locations, in addition to those of BB&T. For a complete listing of SunTrust Bank branches, as well as ATM locations for SunTrust and BB&T, please visit the bank’s location page.

SunTrust Credit Cards

All SunTrust Bank credit cards are Mastercard products. While Mastercard is the second-largest payment network (behind Visa), Mastercard is accepted in more countries than Visa (212 countries vs. 200).

All Mastercard credit cards feature the following protections and security features:

• Zero Fraud Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
• Mastercard Global Service: Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
• ID Theft Protection: Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.

FAQs About SunTrust Bank

Here are answers to common questions about SunTrust:

What credit bureau does SunTrust use?

• According to reports, SunTrust sues either TransUnion, Equifax, or both, for checking an applicant’s credit history.

What credit score do I need to get a SunTrust credit card?

• Most SunTrust credit cards require a good credit score. The bank’s secured credit card, however, doesn’t require any credit history – just an associated checking account with the bank.

What is the routing number for SunTrust?

• The routing number for SunTrust Bank is 061000104.

Who owns SunTrust?

• BB&T merged with SunTrust in 2019 to form Truist Financial Services.