Suntrust Bank Rules and Regulations For Deposit Accounts

For example, we may process cashed checks, ATM withdrawals, Check Card At the time the merchant obtains the authorization for the Card transaction,

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Suntrust Bank Rules and Regulations For Deposit Accounts
General Terms and Definitions … 2
Personal Accounts … 2
Business/Corporate Accounts … 4
General Rules for All Deposit Accounts … 4
IRS Requirements … 4
New Account Opening Identification Requirements … 5
OFAC Compliance … 5
Unlawful Transactions … 5
Credit and Confidential Information … 5
Privacy Policy … 5
Sharing Information … 5
Telephone Monitoring and Recording … 6
Signature Authorities … 6
Multiple Signatures … 6
Power of Attorney … 6
Facsimile Signatures … 7
Bookkeepers … 7
Deposits and Withdrawals … 7
Night Deposit and Rapid Receipt Deposit Services … 7
Items with Multiple Endorsements … 8
Collection of Items … 8
Foreign Checks or Items … 9
Checks and Other Debits … 9
Check Card/ATM Authorized Transaction Holds … 10
Electronic Check Conversion … 10
Substitute Check or Image Replacement Document (IRD) … 10
Insufficient Funds … 11
Stop Payment Orders … 11
Postdated Items … 11
Stale Dated Items … 11
Checks and Deposit Forms … 11
Bank’s Stipulations … 12
Closed Account … 12
Payment Suspension … 12
DISPUTE RESOLUTION … 13
ARBITRATION AGREEMENT. … 13
JURY TRIAL WAIVER. … 14
Right of Offset and Security Interest … 14
Collection Costs … 14
Liability Limitation … 14
Death or Incompetence … 15
Dormant or Abandoned Accounts … 15
Account Discrepancies … 15
Statements … 15
Transfer or Change of Ownership … 16
Account Fees … 16
Special Treatment of Checking Accounts and NOW Accounts … 16
Additional Rules for Interest-Bearing Deposit Accounts … 16
Frequency of Rate Changes … 16
Interest Calculation, Compounding and Crediting … 16
Closed Accounts … 17
Withdrawal Transaction Limitations … 17
Specific Rules for Time Deposits and the
Money Market IRA … 17
Interest … 18
Automatically Renewable Time Deposits … 18
Single Maturity Time Deposits … 18
Early Withdrawal Penalty … 19
Electronic Funds Transfer … 19
In Case of Errors or Questions About Electronic Transfers … 20
Depositor’s Liability … 21
To Report Unauthorized Transactions or Lost
or Stolen Card or Code … 21
Commercial Funds Transfers … 23
Bank Address … 23

Download Suntrust Bank Rules and Regulations For Deposit Accounts pdf from www.suntrust.com, 23 pages, 231.85KB.
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