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Old Aug 9, 14, 6:06 am   -   Wikipost
FlyerTalk Forums Thread Wiki: [REVISED] Suntrust Bank Skymiles Check Card Offer [5k + 5k after $1k]
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Last edit by: rrgg
You are not allowed to spread panic about miles not posting until after the 10th of each month.

In most cases, miles post in the evening on the 5th of each month if it's a business day, or else the evening of the next business day. "Miles post for purchases made between (inclusive) 5th day of prior month to 4th day of current month."

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If SunTrust closed your account, it would be great if you could share a little info about the account history.

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Old May 22, 12, 2:44 pm   #226
 
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Quote:
Originally Posted by wcj View Post
Flew in and visited local branch. Rep said I needed a continual direct deposit so I will need to read through the t&cs a bit more. She did say I could defer partial checks. Didn't seem to have any issue with my up north location though.
From the Terms and Conditions:
A qualifying Direct Deposit is a direct deposit of your salary, pension, Social Security or other regular monthly income of $100 or more per deposit electronically deposited to your account during statement cycle by your employer or an outside agency.


So I'm not fully clear on whether or not you can fulfill that requirement with just one deposit, but it does say "deposit" as opposed to "deposits."
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Old May 22, 12, 2:46 pm   #227
 
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Originally Posted by FlyHigh23 View Post
Were you also able to open a personal account? Has anyone tried to use their SSN as the EIN for a sole-proprietorship (like when applying for a Business CC)?
No, I did not open a personal account. I do not think a ss number will work since they required a copy of the ein certificate from the IRS, as well as documentation of your business name recorded on the state website. Since I could not reproduce my ein certificate, I contacted the IRS and they faxed over a copy of my ein to the bank directly while I was taking care of the paper work.
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Old May 22, 12, 4:09 pm   #228
 
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Originally Posted by FlyHigh23 View Post
Were you also able to open a personal account? Has anyone tried to use their SSN as the EIN for a sole-proprietorship (like when applying for a Business CC)?
Yep I was able to use my SSN for my business checking acct at my local ST. The banker was friendly and knew that many sole proprietors do use it, at last in my state.

Last edited by dc333; May 22, 12 at 4:19 pm.
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Old May 22, 12, 6:39 pm   #229
 
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Has anyone heard of having to use a different routing number than the ones on their checks? When I opened my account, they gave me a form for direct deposit that had a different routing number pre-printed on it than the one on my checks.

Checks: 063102152
Form: 061000104

Has anyone else experienced this? I'm trying to find out if I actually can't use the number on the checks. I have a temporary gig that requires direct deposit, and I figured I'd just use this new account, but they REQUIRE a voided check that matches the DD request.

Any idea? This was opened in Florida, if it helps.
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Old May 22, 12, 8:01 pm   #230
 
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Just talked to hubby, who gets a social security check every month, and he was never told about a different routing # or anything like that. He was given only a receipt for his deposit, a copy of the T&C....nothing more.
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Old May 22, 12, 8:20 pm   #231
 
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Originally Posted by elizadoo View Post
Just talked to hubby, who gets a social security check every month, and he was never told about a different routing # or anything like that. He was given only a receipt for his deposit, a copy of the T&C....nothing more.
Ok, thanks. I'm guessing they'd prefer to use the central routing #, but I don't see how they could only accept DD with that one number. I could only imagine chaos when everyone is told to simply copy down the routing number off their checks and it fails.
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Old May 23, 12, 7:32 am   #232
 
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Originally Posted by Ascii View Post
Ok, thanks. I'm guessing they'd prefer to use the central routing #, but I don't see how they could only accept DD with that one number. I could only imagine chaos when everyone is told to simply copy down the routing number off their checks and it fails.
I was also told to use the 061 routing number as opposed to the one that came printed at the bottom of the check. I didn't ask why though, and I'm not really sure what the reason could be.
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Old May 23, 12, 7:59 am   #233
 
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Quote:
Originally Posted by gvol21 View Post
From the Terms and Conditions:
A qualifying Direct Deposit is a direct deposit of your salary, pension, Social Security or other regular monthly income of $100 or more per deposit electronically deposited to your account during statement cycle by your employer or an outside agency.


So I'm not fully clear on whether or not you can fulfill that requirement with just one deposit, but it does say "deposit" as opposed to "deposits."
A rep told me that one deposit within the first month's cycle has to hit.
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Old May 23, 12, 8:33 am   #234
 
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After funding my PayPal account from an outside bank, then transferring the amount back into my ST SkyMiles account and letting it fully fund, I called in this morning to verify that the direct deposit requirement had been fulfilled.

PayPal deposits DO NOT MEET the direct deposit requirement and DO NOT WORK for this promotion.

According to the representative, payroll direct deposits and others have a unique banking transaction code that automatically triggers a notification. A simple ACH transfer will not trigger it. Even if you open an account at an outside bank and do an ACH transfer in, this does not count being as that it's not specifically a payroll transfer.

Spoke with a payroll services rep and learned that sole proprietorship LLCs are not allowed to pay their owner via payroll services due to IRS laws. Meaning: I can't setup payroll to myself.

What I can do, is add my girlfriend to the existing personal account and make the deposit in her name. Intuit Payroll services have a free 30 day trial program.

Last edited by junglesmacks; May 23, 12 at 9:21 am.
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Old May 23, 12, 9:03 am   #235
 
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Quote:
Originally Posted by FlyHigh23 View Post
A rep told me that one deposit within the first month's cycle has to hit.
I think first DD made by 9/30/12 not first month.You have plenty of time

Please allow 6-8 weeks for miles to be credited to your Delta SkyMiles account after the first qualifying Direct Deposit is made, which must be made by 9/30/2012.
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Old May 23, 12, 10:01 am   #236
 
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Ditto on the second number:

I'm also testing that number first by linking the account to another bank account and sending a test deposit. Mine was opended in Florida on a recent bank run. My bad - I guess bankers don't care to hear that term after what is happening in Greece.


Quote:
Originally Posted by dc333 View Post
I was also told to use the 061 routing number as opposed to the one that came printed at the bottom of the check. I didn't ask why though, and I'm not really sure what the reason could be.
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Old May 23, 12, 10:32 am   #237
 
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So if PayPal doesn't work, I guess I'll try the option I found in another thread:

Quote:
Originally Posted by gvol21 View Post
I'm in the same boat here, and would love to hear about some other options. I did stumble across this post, which says that one could sign up for a free trial offer of Intuit's QuickBooks payroll service. Theoretically, you might be able to pay yourself via direct deposit with this, although I haven't looked into it in detail yet.
Checks and debit card should arrive in the mail in a few days... I'll try setting up this DD and report back here when I have results.
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Old May 23, 12, 10:37 am   #238
 
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Remember that you can't simply pay yourself. Intuit Payroll will catch it and not process it. You'll need to either add someone to the account and deposit it in their name or deposit it to a different account/name altogether.
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Old May 23, 12, 10:50 am   #239
 
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I wouldn't put much weight into a bank employee saying paypal doesn't qualify as a Direct Deposit. A human will see it and know it isn't a real DD. I would like to know if someone has gotten the miles by only doing paypal DD's. My theory is the promo auto sends the miles once a ACH goes through, I'm sure they want this as automated as possible. Of course it is too early to know because I don't think anyone has gotten the miles yet.

Also here is the direct deposit form.
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Old May 23, 12, 1:08 pm   #240
 
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Originally Posted by Stubtify View Post
I wouldn't put much weight into a bank employee saying paypal doesn't qualify as a Direct Deposit. A human will see it and know it isn't a real DD. I would like to know if someone has gotten the miles by only doing paypal DD's. My theory is the promo auto sends the miles once a ACH goes through, I'm sure they want this as automated as possible. Of course it is too early to know because I don't think anyone has gotten the miles yet.

Also here is the direct deposit form.

Read again. There are specific banking codes attached to the type of deposit that happens. A simple ACH money transfer is not the same as a payroll deposit or the others listed. It isn't a human that is doing the auditing, that is correct. It's the automatic code.. which the PayPal transfer does not have.. that triggers the system.

Now.. on the other hand, the routing number on that direct deposit form is different than they traditional SunTrust routing number that is imprinted on all of my business and personal checks. I just went back and deleted my bank account with the old routing number, and re-added with this routing number. Instead of coming up as just "SUNTRUST BANK" it came up as "SUNTRUST BANK - ATLANTA, GA" in PayPal's system. Just withdrew $105 to the "new" bank account with the modified routing number. Let's see what happens.

I, too would love to hear from anyone who has had this method work for them. One person.

Last edited by junglesmacks; May 23, 12 at 1:14 pm.
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