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How do I avoid being charged an Extended Overdraft Fee?


An Extended Overdraft Fee is incurred when your current (ledger) balance has been negative for five consecutive business days (does not include Saturdays, Sundays and holidays).

To avoid an Extended Overdraft Fee, you must make a deposit to bring your current balance positive by the daily cut-off time on the fifth consecutive business day (learn more about the daily deposit cut-off times here ).

If you overdraw your account on… You must make a deposit to cover the overdraft by the daily cut-off time on… Or you will be charged the extended overdraft fee on…
Monday Friday Friday
Tuesday Monday Monday
Wednesday Tuesday Tuesday
Thursday Wednesday Wednesday
Friday Thursday Thursday

To help you avoid an Extended Overdraft Fee, we will mail you written notification when you overdraw your account or an item is returned. When you are at risk of incurring an extended overdraft fee, an alert will be displayed in Online and Mobile Banking providing the date you must make a deposit or transfer by to bring your balance positive and avoid the fee. Additionally, Online Banking clients will receive an email notification to their email address on file. There is no need to opt-in to receive this alert, it is automatic; however, please make sure your email address in Online Banking is up-to-date so you can receive important notifications about your account.

Learn more about Extended Overdraft Fees at www.suntrust.com/thefacts.