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How long does it take for the money to be taken from my account?

There are two ways that transactions can be processed with Online Banking with Bill Pay:

  • If the merchant can receive an electronic transfer of funds, then funds will be deducted from your account on the payment date you specify.
  • If the merchant cannot receive electronic transfers of funds, then payments will be made by check.

The money to pay bills will be deducted from your SunTrust account at the time the merchant processes your payment. This is no different than if you had written a paper check.

While you may see a payment in “delivered” status in Bill Pay, check to see if the payment shows in the transaction history of your checking account. Until the recipient receives the check, deposits it, and it is debited from your checking account, the payment is not complete.

If the recipient does not receive the check or loses it, there may be a discrepancy between Bill Pay and your checking account.