Business Accounts Fee Schedule - SunTrust

Transcription

Business Accounts Fee ScheduleSunTrust now Truist Bank, All RegionsCHECKING ACCOUNTSService Definitions can be found in the glossary beginning on page 10All Deposit Accounts are governed by the SunTrust Rules and Regulations for Deposit Accounts. Additional information can be found at suntrust.com.Simple Business CheckingBanking Transactions Per Statement CycleMonthly Maintenance FeeActivity FeeCash Deposited Per 10005 or more 0.00 0.50 Per Transaction over 50 3.00 per 1000 over 20004 or less 5.00 0.50 Per Transaction over 50 3.00 per 1000 over 2000Paper Statement Fee* 3.00The following discounted fees apply as part of Simple Business Checking:- No monthly maintenance fee for the first 12 statement cycles. (12 statement cycles may not equal 12 full calendar months.)*Paperless Online Statement: Electronic/Online statement provided through SunTrust Business Online and Mobile each statement cycle. Clients must select the option to no longerreceive paper statements through U.S. mail, or a 3.00 monthly fee applie s. SunTrust Business Online and Mobile is required to access paperless online statements.Primary Business CheckingMinimum Daily Collected Balance 1,000 or more 999 or less(Including Public Funds Primary Business Checking)Monthly Maintenance FeeActivity FeeNone 0.50 Per Transaction over 150 15.00 0.50 Per Transaction over 150Cash Deposited Per 1000 3.00 per 1,000 over 5,000 3.00 per 1,000 over 5,000Minimum Daily Collected Balance: The minimum daily collected bala nce referenced in this schedule is the current daily ledger balance less the amount of any checks deposited thatare in the process of being collected.SunTrust now Truist, Member FDIC. 2021 Truist Financial Corporation. SunTrust , Truist, Fraud Inspector , and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. Online Payroll is provided through ourrelationship with Sure Payroll, Inc. Sure Payroll, Inc. is not an affiliate of Truist. Rev. 02/16/2021Page 1 of 14

Business Accounts Fee ScheduleSunTrust now Truist Bank, All RegionsTotal Business Banking Average Monthly Collected BalanceMonthly Maintenance FeeActivity Fee 5,000 or moreNone 0.50 Per Transaction over 300 4,999 or less 20.00 1 0.50 Per Transaction over 300Cash Deposited Per 1,000 3.00 per 1,000 over 7,000 3.00 per 1,000 over 7,000The following discounted fees apply only to the services purchased by the business or one business owner as part of the Total Business Banking Package:- No monthly maintenance fee for the first two statement cycles- A personal Advantage Checking account with no monthly maintenance fee- 25% discount on the first order of checks- 10% commission discount on equity trades*- Online Check Deposit (OCD) implementation fee waiver 2Average Monthly Collected Balance: The average monthly collected bala nce is calculated by adding the collected balance for each day of the statement period and dividing that figureby the number of days in the statement period.1The monthly maintenance fee can also be waived with a minimum daily collected balance of 10,000 or more in a Business Savings Account, a Business Money Market Account,Business Money Market Performance Account or a Business Advantage Money Market Account linked to the Total Business Banking Account.2 For new Online Check Deposit clients only.*Securities and Insurance Products and Services: Are not FDIC or any other Government Agency Insured Are not Bank Guaranteed May Lose ValueEquity trades are provided by SunTrust Investment Services, Inc. Services provided by the following affiliates of Truist Financial Corporation: Banking products and services,including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Ban k, Member FDIC. Trust and investmentmanagement services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust De laware Trust Company. Securities, brokerageaccounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc., BB&T Securities, LLC, P.J. Robb Variable Corp. and Precept Advisory Group,LLC, which are SEC registered broker-deale rs, members FINRA, SIPC, and a licensed insurance agency where applicable. Investment advisory services are offered by SunTrustAdvisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and BB&T Institu tional Investment Advisors, Inc., each SECregistered investment advisers. BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow are divisions of BB&T Securities, LLC. Mutual fund products are advisedby Sterling Capital Management, LLC. Stock market investing involves risk, including fluctuating returns and loss of principal.SunTrust Business Advantage Plus CheckingMinimum Daily Collected Balance(Including Public Funds Business Advantage Plus Checking)Monthly Maintenance FeeExcess Items 20,000 or moreNone 0.50 Per Excess Item over 500 3 19,999 or less 25.00 0.50 Per Excess Item over 500 3Cash Deposited Per 1,000 3.00 per 1,000 over 10,000 3.00 per 1,000 over 10,000Minimum Daily Collected Balance: The minimum daily collected bala nce referenced in this schedule is the current daily ledger balance less than the amount of any checks depositedthat are in the process of bein g collected.Product includes two additional maintenance-fee-free SunTrust Business Advantage Plus Checking accounts. Balances of all three accounts can be linked to cover the monthlymaintenance fee of the core account.The following discounted fees apply only to the services purchased by the business or one business owner as part of the SunTrust Business Advantage Plus Checking package:- No monthly maintenance fee for the first two statement cycles- A personal Advantage Checking account with no monthly maintenance fee- 50% discount on the first order of checks- 10% commission discount on equity trades*- Online Check Deposit (OCD) implementation fee waiver 4- 5 monthly discount on Online Payroll Monthly Maintenance (Online PayrollMonth Maint)Interest Calculation: The interest rate earned is based on the following ledger balance tiers: Tier 1 - 499 or less; Tier 2 - 500 to 4,999; Tier 3 - 5,000 to 9,999; Tier 4 - 10,000 to 24,999; Tier 5 - 25,000 to 99,999; Tier 6 - 100,000 to 249,999; Tier 7 - 250,000 to 999,999; Tier 8 - 1,000,000 to 1,999,999; Tier 9 - 2,000,000 or more. Interest iscalculated and compounded daily on the colle cted balance and credited to your account monthly. Fees may reduce earnings. You may obtain the current interest rate and APY onyour account by calling 800.SUNTRUST or 800.786.8787. See SunTrust Rules and Regulations for Deposit Accounts at SunTrust to obtain information about the interest calculation.3 Includes items from all three Business Advantage Plus Checking accounts.4 For new Online Check Deposit clients only.*Securities and Insurance Products and Services: Are not FDIC or any other Government Agency Insured Are not Bank Guaranteed May Lose ValueEquity trades are provided by SunTrust Investment Services, Inc. Services provided by the following affiliates of Truist Financial Corporation: Banking products and services,including loans and deposit accounts, are provided by SunTrust Bank and Br anch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investmentmanagement services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust De laware Trust Company. Securities, brokerageaccounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc., BB&T Securities, LLC, P.J . Robb Variable Corp. and Precept Advisory Group,LLC, which are SEC registered broker-deale rs, members FINRA, SIPC, and a licensed insurance agency where applicable. Investment advisory services are offered by SunTrustAdvisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and BB&T Institu tional Investment Advisors, Inc., each SECregistered investment advisers. BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow are divisions of BB&T Securities, LLC. Mutual fund products are advisedby Sterling Capital Management, LLC. Stock market investing involves risk, including fluctuating returns and loss of principal.SunTrust now Truist, Member FDIC. 2021 Truist Financial Corporation. SunTrust , Truist, Fraud Inspector , and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. Online Payroll is provided through ourrelationship with Sure Payroll, Inc. Sure Payroll, Inc. is not an affiliate of Truist. Rev. 02/16/2021Page 2 of 14

Business Accounts Fee ScheduleSunTrust now Truist Bank, All RegionsAnalyzed Business CheckingMonthly Acct MaintenanceFee 25.00(Including Public Funds Analyzed Business Checking and Interest on Lawyer Trust Accounts 5)MiscellaneousItems Paid Not Enclosed Per ItemCash Deposited 7Items DepositedCredits 1.00 Per Credit 0.20 6 Per Check or Item Paid. 3.00 per 1,000 0.15 Per Check DepositedPostedEarnings Credit Rate Calculation: At the end of each month, SunTrust sets an Earnings Credit Rate (ECR). The ECR may be based on the following average available balance tiers:Tier 1 - 24,999 or less; Tier 2 - 25,000 to 99,999; Tier 3 - 100,000 to 249,999; Tier 4 - 250,000 or more.Our monthly account analysis processing system allows fees for account-related and Treasury Management services to be offset by an Earnings Credit. The account analysis systemcalculates the Earnings Credit based on the average available bala nces maintained i n your account. Only positive collected balances are eligible for the Earnings Credit.Deposit Assessment Fee of 0.1465 per 1,000 is calcula ted based on the average positive ledger balance for the month (except for IOLTA/IOTA).Negative Collected Balance Fee applies. The fee is calculated using the monthly average negative collected balance multiplied by the SunTrust Prime Rate plus 3% (sub ject tochange at the Bank's discretion).Interest on Lawyer Trust Accounts (IOLTAs) and Interest on Trust Accounts (IOTAs) are not eligible for an Earnings Credit. Deposit Assessment Fee of 0.037 per 1,000 iscalculated based on the average positive ledger balance for the month for IOLTA and IOTA accounts only. This is the only allowable fee that is deducted from the interest. IOLTAinterest is paid to a separate legal services account and not paid to the IOLTA account or account holder directly. All other transaction or service fees incurred by the IOLTA or IOTAare the responsibility of the firm that maintains the account. In order to establish an IOLTA or IOTA with SunTrust, the firm must also have at least one open demand deposit accountwith SunTrust, which will be linked to the IOLTA or IOTA for purposes of billing fees that are the responsibility of the firm. If the billing account is later closed, IOLTA and IOTA fees willbe billed via invoice to the firm. If you establish an IOLTA or IOTA, you agree to comply with all of the applicable laws, regulations and guidelines for such account in that state.6A 0.06 per item surcharge applie s if cancelled checks are returned with statement.7Fee is assessed as Night/ATM Cash Dep per 1,000 and Branch/ITM Cash Dep per 1,000 services.5Analyzed Interest Checking(Including Public Funds Analyzed Interest Checking and Public Funds Advantage NOW)Monthly Acct MaintenanceMiscellaneousItems Paid Not EnclosedCash Deposited 9Items DepositedFeeCredits 50.00 1.00 Per Credit 0.20 8 Per Check or Item Paid. 3.00 per 1,000 0.15 Per Check DepositedPostedEarnings Credit Rate Calculation: At the end of each month, SunTrust sets an Earnings Credit Rate (ECR). The ECR may be based on the following average available balance tiers:Tier 1 - 24,999 or less. Tier 2 - 25,000 to 99,999, Tier 3 - 100,000 to 249,999, Tier 4 - 250,000 or more.Our monthly account analysis processing system allows fees for account-related and Treasury Management services to be offset by an Earnings Credit. The account analysis systemcalculates the Earnings Credit based on the average available bala nces maintained in your account. Only positive collected balances are eligible for the Earnings Credit. DepositAssessment Fee of 0.1465 per 1,000 is calcula ted based on to the average positive ledger balance for the month. Negative Collected Balance Fee applies. The fee is calculatedusing the monthly average negative collected bala nce multiplied by the SunTrust Prime Rate plus 3% (subject to change at the Bank's discretion).Interest Calculation: Interest is calculated on Excess Balances Available for Interest at the end of the month and credited to your account monthly. Excess Bal ances is equal toAverage Available Balances less Balances Required to Offset Service Charges. Balances to Offset Services is equal to Monthly Service Charges Earnings Credit Rate x days inyear days in month. You may obtain the current interest rate and APY on your account by calling 800.SUNTRUST or 800.786.878 7. See SunTrust Rules and Regulations forDeposit Accounts at SunTrust to obtain information about the interest calculation.8A 0.06 per item surcharge applie s if cancelled checks are returned with statement.9 Fee is assessed as Night/ATM Cash Dep per 1,000 and Branch/ITM Cash Dep per 1,000 services.Business Analysis Interest CheckingMonthly Acct Maintenance Fee 25.00Miscellaneous Credits 1.00 Per Credit PostedItems Paid Not Enclosed10 0.20 Per Check or Item Paid.Cash Deposited 11 3.00 per 1,000Items Deposited 0.15 Per Check DepositedInterest Calculation: The interest rate earned is based on the following ledger balance tiers: Tier 1 - 1,000,000 or less; Tier 2 - 1,000,000 to 2,500,000; Tier 3 - 2,500,000 to 5,000,000; Tier 4 - 5,000,000 . Interest is calculated and compounded daily on th e collected balance and credited to your account monthly. You may obtain the current interest rateand APY on your account by callin g 800.SUNTRUST or 800.786.8787. See SunTrust Rules and Regulations for Deposit Accounts at SunTrust to obtain information about the interestcalculation. Deposit Assessment Fee of 0.1465 per 1,000 is calculated based on the average positive ledger balance for the month. Negative Collected Balance Fee applies. Thefee is calculated using the monthly average negative collected bala nce multiplied by the SunTrust Prime Rate plus 3% (subject to change at the Bank's discretion).1011A 0.06 per item surcharge applies if cancelled checks are returned with statement.Fee is assessed as Night/ATM Cash Dep per 1,000 and Branch/ITM Cash Dep per 1,000 services.SunTrust now Truist, Member FDIC. 2021 Truist Financial Corporation. SunTrust , Truist, Fraud Inspector , and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. Online Payroll is provided through ourrelationship with Sure Payroll, Inc. Sure Payroll, Inc. is not an affiliate of Truist. Rev. 02/16/2021Page 3 of 14

Business Accounts Fee ScheduleSunTrust now Truist Bank, All RegionsMONEY MARKET ACCOUNTSService Definitions can be found in the glossary beginning on page 10Business Advantage Money Market AccountMinimum Daily Collected Balance(Including Public Funds Business Advantage Money Market Account)Monthly Maintenance FeeActivity FeeExcessive Withdrawal FeeCash Deposited Per 1000 500 or moreNone 0.50 Per Transaction over10 5.00 Per Item over 6, Per month 3.00 per 1,000 over 5,000 499 or less 5.00 0.50 Per Transaction over10 5.00 Per Item over 6, Per month 3.00 per 1,000 over 5,000Minimum opening deposit: 100Minimum Daily Collected Balance: The minimum daily collected bala nce referenced in this schedule is the current daily ledger balance less the amount of any checks deposited thatare in the process of being collected.Checking Account Requirement: This product requires a Primary Business Checking, Total Business Banking, SunTrust Business Advantage Plus Checking, or An alyzed BusinessChecking Account.Excessive Withdrawal Fee: A 5 fee will be assessed for over six pre-authorized, telephone, or on-line transfers to your other SunTrust Bank accounts or to third parties. This fee willapply to transfers includin g checks, drafts or similar orders you make payable to a third party and applies per statement period. In determining when a tr ansfer is made, the Bank willuse the date the transfer is paid . The foregoing limitations do not apply to withdrawals made by you or transfers to other accounts which you have with us when these transfers aremade by messenger, in person, or through ATMs. The fee applies, regardless of the balance, to transactions such as: checks, debit/ATM card transactions, wire transfers, pre authorized debits, or automatic debits (including, but not limited to: insurance premium payments, investment transactions, bill payments, and overdraft protection debits).Interest Calculation: The interest rate earned is based on the following ledger balance tiers: Tier 1 - 499 or less; Tier 2 - 500 to 4,999; Tier 3 - 5,000 to 9,999; Tier 4 - 10,000to 24,999; Tier 5 - 25,000 to 99,999; Tier 6 - 100,000 to 249,999; Tier 7 - 250,000 to 999,999; Tier 8 - 1,000,000 to 4,999,999; Tier 9 - 5,000,000 or more. Interest iscalculated and compounded daily on the colle cted balance and credited to your account monthly. Fees may reduce earnings. You may obtain the current interest rate and APY onyour account by calling 800.SUNTRUST or 800.786.8787. See the SunTrust Rules and Regulations for Deposit Accounts at SunTrust to obtain information about the interestcalculation.Check Safekeeping is a required feature of this product.SunTrust now Truist, Member FDIC. 2021 Truist Financial Corporation. SunTrust , Truist, Fraud Inspector , and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. Online Payroll is provided through ourrelationship with Sure Payroll, Inc. Sure Payroll, Inc. is not an affiliate of Truist. Rev. 02/16/2021Page 4 of 14

ail HanBusiness Accounts Fee ScheduleSunTrust now Truist Bank, All RegionsMISCELLANEOUS SERVICES AND FEESService Definitions can be found in the glossary beginning on page 10Some miscellaneous fees are billed through the Account Analysis system and will be included in the “Account Analysis Fee” on your deposit account bankstatement. The miscellaneous fees accrued in a calendar month will be included in the Account Analysis Fee that posts the following month. Account Analysisfee detail can be viewed on the Account Analysis statement.Deposit ServicesManual Stop Pay ments and Stop Payment Fee 38.00 Per Stop Pay ment Order Placed, effective for six months.Ov erdraft Items Paid and Overdraft Item Fee 38.00 Per Item Paid.Return Item Insufficient Funds and Returned Item Fee 38.00 Per Item Returned.Ov erdraft Protection Transfer Fee (maximum one per day)(av ailable to non-analyzed checking accounts only)- For accounts linked to a credit card or line of credit, 100 transf er increments (based on balanceav ailability.)1- For all accounts linked to a checking, savings ormoney market account, amount transferred is theexact amount of the overdraft plus any applicabletransf er fees (based on balance availability.)- For accounts linked to a line of credit or credit card, fundsadv anced for Overdraft Protection are subject to fees andf inance charges under your line of credit or credit cardagreement, in addition to the Overdraft Protection transferf ee. Please see your agreement for more information. 12.50 Per Transf er.Extended Ov erdraft Fee2 36.00Special request statement- Interim Statement- Check Enclosure Fee- Check Image Statement Fee3- Screen Print Statement Fee- Duplicate Statement Fee 23.00 Per Interim Statement. 5.00 Per Statement. 2.00 Per Statement. 5.00 Per Statement. 13.00 Per Statement.Deposited item returne

management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc., BB&T Securities,