Jul 3, 2014, 12:11 pm
Last edit by: muji
Please don't delete this Wiki.
Some of us still earn Delta miles with this card or may want information about past or grandfathered terms and conditions.
Please do not 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."
__________________________________________________ ____________
Current offer (as of March 2017) is for just 5,000 miles.
https://www.suntrust.com/personal-ba...les-debit-card
Most current 25,000 offer was in-branch only, through May 9, 2016:
History of Recent Past Offers:
Changes as of 7/25/15 :
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If SunTrust closed your account, it would be great if you could share a little info about the account history.
----------------------------------------------------------
Some of us still earn Delta miles with this card or may want information about past or grandfathered terms and conditions.
Please do not 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."
__________________________________________________ ____________
Current offer (as of March 2017) is for just 5,000 miles.
https://www.suntrust.com/personal-ba...les-debit-card
Most current 25,000 offer was in-branch only, through May 9, 2016:
INTRODUCING YOUR NEW EVERYDAY GETAWAY CARD: THE SKYMILES® DEBIT CARD.
Ready for a one-of-a-kind debit card that actually rewards you? Here's one that deposits miles directly into your SkyMiles account. You can earn up to 25,000 bonus miles with the SkyMiles World Debit Card from SunTrust. What's more, when you use your Card for everyday purchases, the miles add up quickly — and they'll never expire.
Here's how it works:
• Present this email at your nearest branch, or call 1-800-650-7277 and mention this offer.
• Get 5,000 bonus miles when you open or upgrade to a new qualifying SunTrust Signature Advantage Checking account with a Delta SkyMiles Debit Card and make your first qualifying purchase. If you already have a Signature Advantage Checking account, ask to upgrade your debit card to a Delta SkyMiles Debit Card.
• Get an additional 20,000 promotional bonus miles when you make 20 qualifying purchases within the first 90 days of account opening.
Continue to earn miles just for using your Card:
• Earn 1 mile for every dollar spent on everyday purchases like groceries, gas and restaurant purchases.1 (up to 4,000 per Card monthly)
• Earn 2 miles per dollar on all direct Delta purchases including flights, Delta Sky Club® passes, in-flight purchases of food and beverages and more.1
• Apply your miles toward upgrades and Award Travel to more than 1,000 destinations worldwide2 on Delta and its partner airlines.
• $75 Annual Fee (reduced fee may apply, ask for details).1
Hurry — this incredible 25,000 bonus mile offer is only available until May 9, 2016.
VISIT YOUR LOCAL BRANCH
Ready for a one-of-a-kind debit card that actually rewards you? Here's one that deposits miles directly into your SkyMiles account. You can earn up to 25,000 bonus miles with the SkyMiles World Debit Card from SunTrust. What's more, when you use your Card for everyday purchases, the miles add up quickly — and they'll never expire.
Here's how it works:
• Present this email at your nearest branch, or call 1-800-650-7277 and mention this offer.
• Get 5,000 bonus miles when you open or upgrade to a new qualifying SunTrust Signature Advantage Checking account with a Delta SkyMiles Debit Card and make your first qualifying purchase. If you already have a Signature Advantage Checking account, ask to upgrade your debit card to a Delta SkyMiles Debit Card.
• Get an additional 20,000 promotional bonus miles when you make 20 qualifying purchases within the first 90 days of account opening.
Continue to earn miles just for using your Card:
• Earn 1 mile for every dollar spent on everyday purchases like groceries, gas and restaurant purchases.1 (up to 4,000 per Card monthly)
• Earn 2 miles per dollar on all direct Delta purchases including flights, Delta Sky Club® passes, in-flight purchases of food and beverages and more.1
• Apply your miles toward upgrades and Award Travel to more than 1,000 destinations worldwide2 on Delta and its partner airlines.
• $75 Annual Fee (reduced fee may apply, ask for details).1
Hurry — this incredible 25,000 bonus mile offer is only available until May 9, 2016.
VISIT YOUR LOCAL BRANCH
History of Recent Past Offers:
Changes as of 7/25/15 :
Balanced Banking (no longer available): 95a/f, 1mile/$2 up to 2000 miles, $3000 daily collected balance to avoid monthly fee
Signature Advantage: $75a/f, 1mile/$1 up to 4000 miles, $25000 daily collected balance to avoid monthly fee
Solid Choice: $95a/f, 2m/$1 up to 2000 miles, $5000 daily collected balance to avoid monthly fee
SunTrust has a list of items that aren't supposed to earn miles, but some do anyway: cash advances, cash back, ATM transactions, tax payments, payments for stored value cards, wire transfers, money transfers, money orders, cashier checks, quasi cash, travelers cheques, purchase of monetary instrumentsSignature Advantage: $75a/f, 1mile/$1 up to 4000 miles, $25000 daily collected balance to avoid monthly fee
Solid Choice: $95a/f, 2m/$1 up to 2000 miles, $5000 daily collected balance to avoid monthly fee
-----------------------------------------------------------
If SunTrust closed your account, it would be great if you could share a little info about the account history.
----------------------------------------------------------
Truist (fka Suntrust) Skymiles Check Card [see WIKI for offers]
May 3, 2012, 4:43 pm
#47
Join Date: Apr 2011
Programs: UA Gold, AA Gold, Hyatt Plat, SPG Gold, Marriott Plat, Hilton Gold, Hertz Pres Circle, etc etc
Posts: 382
Signed up via chat. Do not live in one of their states. They just informed me I was outside their territory and it might be hard to get to a branch, and could I confirm I still wanted to open the account? Yes sir!
May 3, 2012, 5:17 pm
#49
Join Date: Aug 2011
Location: JFK/LGA/EWR
Posts: 1,296
Thanks for posting this!
I also live in NY and think I can make very good use of this card based on the hbolded text, assuming I understand it correctly. By recurring bill pays I'm assuming just paying bills online through the checking account. So I could place $3,000 in the account, setup a semimonthly direct deposit of $750 and setup a recurring bill pay of about $1500 per month. If I read everything correctly, that's 18k skymiles per year which I think is worth $75.
Those are my only (legitimate) recurring bills I can't pay through a credit card.
I don't really understand how this would generate sufficient fees to pay for the miles but I guess I shouldn't question it if it works out.
I also live in NY and think I can make very good use of this card based on the hbolded text, assuming I understand it correctly. By recurring bill pays I'm assuming just paying bills online through the checking account. So I could place $3,000 in the account, setup a semimonthly direct deposit of $750 and setup a recurring bill pay of about $1500 per month. If I read everything correctly, that's 18k skymiles per year which I think is worth $75.
Those are my only (legitimate) recurring bills I can't pay through a credit card.
I don't really understand how this would generate sufficient fees to pay for the miles but I guess I shouldn't question it if it works out.
I've just opened an account via the chat service. I live in NY, so home location isn't a problem. The chat option just popped up for me when I was browsing the SunTrust page (https://www.suntrust.com/skymiles). If you go to https://www.suntrust.com/PersonalBan...ecking_TopLeft an option to "Chat Now" will appear on the right side in the "Contact Us" window. Also, if this works via chat, it will work via phone as well.
Here's a transcript of the chat:
Donna: Thank you for chatting with me at SunTrust.com. How may I help you today, Jonathan?
Me: I'm interested in opening a personal account with the Delta SkyMiles World Check Card promotion. There are no branches near me. Can I open this account online, over the phone, or with you?
Donna: I'll be more than happy to assist you with opening the account! May I ask you a few questions so that I have a better understanding of your banking needs?
Me: Sure.
Donna: Do you already have a Delta Skymiles number?
Me: xxxxxxxxxxx
Donna: Great! Let me tell you about our Delta Skymiles Check Card then we can discuss which account type would best work for you...
Donna: The Delta SkyMiles World Check Card annual fee is $75.
Donna: Earn 15,000 bonus miles after your 1st signature based purchase.
Donna: Earn 15,000 bonus miles after your first Direct Deposit to your new Balanced Banking, Solid Choice Banking or the Signature Advantage Banking account within 60 days.
Donna: Each consumer checking account will be limited to 2 Delta SkyMiles cards per account. Also, you will now earn miles PIN Point of Sale (POS) purchases and this is in addition to signature-based transactions that you receive miles for today; and you will continue to earn 1 mile for every $1 spent.
Donna: Earn double miles on all direct Delta purchases like flights, Delta SkyClub access and in-flight movies and snacks.
Donna: The annual fee is applied on the anniversary date of the card. This is the date the card was ordered. The first year fee will not be applied to the account for 30 days.
Donna: The SkyMiles check card will allow you to earn miles based on your signature authorized transactions, online/telephone purchases, and recurring bill pays paid by card as well as PIN Point of Sale (POS) purchases. You can get the card with the Balanced Banking, Solid Choice Banking or the Signature Advantage Banking account.
Me: The only thing that is unclear is the "2 cards per account". Does this mean my wife and I could each have a card on my account? Do we each get the bonus?
Donna: Yes, you can each get a card however the bonus skymiles are only per account and therefore if the account is joint it would only apply one time. We offer the Skymilescard with the following account types: Balanced Banking, Solid Choice Banking or the Signature Advantage Banking account. So I can make a recommendation, can you tell me how much you plan to keep in the account on average?
Me: I'd like to avoid paying fees, so what's the miniumum I'd need to keep in an account?
Donna: It will all depend on the account type as they all have different minimums. Approximately how much would you estimate to keep?
Me: Around $3000
Donna: Thank you for waiting. Based on what you have told me, I recommend the Balanced Banking account.
Donna: This account includes a SunTrust MasterCard Classic Check Card OR Delta Skymiles Check card, the first order of SunTrust exclusive (30 pack) checks is free, free Online Banking with Bill Pay, free Mobile Banking and a combined statement.
Donna: This account has a $12 monthly maintenance fee, it can be waived if you maintain a minimum daily collected balance of $3,000 in the Balanced Banking account and other linked checking, savings, money market, CD and IRA balances (excludes CDs and IRAs provided by SunTrust Investment Services, Inc.). Check Safekeeping is a standard feature of this account. Check Image Statement is available for $1 per month (optional).
Donna: This checking account is an excellent option for clients who want to minimize or reduce overdraft fees, and for clients who want the peace of mind in knowing that they will not overdraw their account.
Donna: If funds are not available in the account to cover transactions, all items will be returned unpaid and check card purchases will be declined.
Donna: The minimum opening deposit is $100.
Donna: Since you will be maintaining the required minimum daily collected balance of $3,000 in the account or other link deposit accounts the account will be free of a monthly maintenance fee. What do you think about the account I have offered you today?
Me: That sounds fine. This account will allow me to get the 15,000 Delta bonus for the check card as well as the 15,000 Delta bonus for direct deposit?
Donna: Yes that is correct. The first 15,000 bonus miles will be after your 1st signature based purchase. Would you like to go ahead and apply?
Me: Yes.
Donna: Great! Let's go ahead and get started...
Here's a transcript of the chat:
Donna: Thank you for chatting with me at SunTrust.com. How may I help you today, Jonathan?
Me: I'm interested in opening a personal account with the Delta SkyMiles World Check Card promotion. There are no branches near me. Can I open this account online, over the phone, or with you?
Donna: I'll be more than happy to assist you with opening the account! May I ask you a few questions so that I have a better understanding of your banking needs?
Me: Sure.
Donna: Do you already have a Delta Skymiles number?
Me: xxxxxxxxxxx
Donna: Great! Let me tell you about our Delta Skymiles Check Card then we can discuss which account type would best work for you...
Donna: The Delta SkyMiles World Check Card annual fee is $75.
Donna: Earn 15,000 bonus miles after your 1st signature based purchase.
Donna: Earn 15,000 bonus miles after your first Direct Deposit to your new Balanced Banking, Solid Choice Banking or the Signature Advantage Banking account within 60 days.
Donna: Each consumer checking account will be limited to 2 Delta SkyMiles cards per account. Also, you will now earn miles PIN Point of Sale (POS) purchases and this is in addition to signature-based transactions that you receive miles for today; and you will continue to earn 1 mile for every $1 spent.
Donna: Earn double miles on all direct Delta purchases like flights, Delta SkyClub access and in-flight movies and snacks.
Donna: The annual fee is applied on the anniversary date of the card. This is the date the card was ordered. The first year fee will not be applied to the account for 30 days.
Donna: The SkyMiles check card will allow you to earn miles based on your signature authorized transactions, online/telephone purchases, and recurring bill pays paid by card as well as PIN Point of Sale (POS) purchases. You can get the card with the Balanced Banking, Solid Choice Banking or the Signature Advantage Banking account.
Me: The only thing that is unclear is the "2 cards per account". Does this mean my wife and I could each have a card on my account? Do we each get the bonus?
Donna: Yes, you can each get a card however the bonus skymiles are only per account and therefore if the account is joint it would only apply one time. We offer the Skymilescard with the following account types: Balanced Banking, Solid Choice Banking or the Signature Advantage Banking account. So I can make a recommendation, can you tell me how much you plan to keep in the account on average?
Me: I'd like to avoid paying fees, so what's the miniumum I'd need to keep in an account?
Donna: It will all depend on the account type as they all have different minimums. Approximately how much would you estimate to keep?
Me: Around $3000
Donna: Thank you for waiting. Based on what you have told me, I recommend the Balanced Banking account.
Donna: This account includes a SunTrust MasterCard Classic Check Card OR Delta Skymiles Check card, the first order of SunTrust exclusive (30 pack) checks is free, free Online Banking with Bill Pay, free Mobile Banking and a combined statement.
Donna: This account has a $12 monthly maintenance fee, it can be waived if you maintain a minimum daily collected balance of $3,000 in the Balanced Banking account and other linked checking, savings, money market, CD and IRA balances (excludes CDs and IRAs provided by SunTrust Investment Services, Inc.). Check Safekeeping is a standard feature of this account. Check Image Statement is available for $1 per month (optional).
Donna: This checking account is an excellent option for clients who want to minimize or reduce overdraft fees, and for clients who want the peace of mind in knowing that they will not overdraw their account.
Donna: If funds are not available in the account to cover transactions, all items will be returned unpaid and check card purchases will be declined.
Donna: The minimum opening deposit is $100.
Donna: Since you will be maintaining the required minimum daily collected balance of $3,000 in the account or other link deposit accounts the account will be free of a monthly maintenance fee. What do you think about the account I have offered you today?
Me: That sounds fine. This account will allow me to get the 15,000 Delta bonus for the check card as well as the 15,000 Delta bonus for direct deposit?
Donna: Yes that is correct. The first 15,000 bonus miles will be after your 1st signature based purchase. Would you like to go ahead and apply?
Me: Yes.
Donna: Great! Let's go ahead and get started...
May 4, 2012, 3:42 am
#50
Join Date: Nov 2009
Posts: 737
paid by card
Thanks for posting this!
I also live in NY and think I can make very good use of this card based on the hbolded text, assuming I understand it correctly. By recurring bill pays I'm assuming just paying bills online through the checking account. So I could place $3,000 in the account, setup a semimonthly direct deposit of $750 and setup a recurring bill pay of about $1500 per month. If I read everything correctly, that's 18k skymiles per year which I think is worth $75.
Those are my only (legitimate) recurring bills I can't pay through a credit card.
I don't really understand how this would generate sufficient fees to pay for the miles but I guess I shouldn't question it if it works out.
I also live in NY and think I can make very good use of this card based on the hbolded text, assuming I understand it correctly. By recurring bill pays I'm assuming just paying bills online through the checking account. So I could place $3,000 in the account, setup a semimonthly direct deposit of $750 and setup a recurring bill pay of about $1500 per month. If I read everything correctly, that's 18k skymiles per year which I think is worth $75.
Those are my only (legitimate) recurring bills I can't pay through a credit card.
I don't really understand how this would generate sufficient fees to pay for the miles but I guess I shouldn't question it if it works out.
May 4, 2012, 8:26 am
#51
Join Date: Nov 2010
Posts: 463
I don't have the option of getting direct deposit. How does that work in this promo? I have to have direct deposit to earn the second batch of 15k miles?
Is there any alternatives? Also, how many direct deposits do I need to be deposited? I'm pretty confused on the how the direct deposit thing factors into this promo, can someone please explain?
Is there any alternatives? Also, how many direct deposits do I need to be deposited? I'm pretty confused on the how the direct deposit thing factors into this promo, can someone please explain?
May 4, 2012, 8:40 am
#52
Join Date: Jun 2006
Location: DRO
Programs: AS MVP, A3*S
Posts: 521
Okay... I feel like I'm typing in the Trick It forum, but here goes:
Can I do the THING I do with the other bank and the other airline where I buy the THINGS at the PLACE through a pin based transaction? Anyone with any info on this please PM me.
Can I do the THING I do with the other bank and the other airline where I buy the THINGS at the PLACE through a pin based transaction? Anyone with any info on this please PM me.
May 4, 2012, 10:45 am
#56
Join Date: May 2010
Programs: AA, Marriott rewards, United, AA, Delta
Posts: 150
I don't have the option of getting direct deposit. How does that work in this promo? I have to have direct deposit to earn the second batch of 15k miles?
Is there any alternatives? Also, how many direct deposits do I need to be deposited? I'm pretty confused on the how the direct deposit thing factors into this promo, can someone please explain?
Is there any alternatives? Also, how many direct deposits do I need to be deposited? I'm pretty confused on the how the direct deposit thing factors into this promo, can someone please explain?
May 4, 2012, 11:36 am
#58
Join Date: Aug 2011
Location: JFK/LGA/EWR
Posts: 1,296
May 4, 2012, 12:25 pm
#59
Join Date: Aug 2011
Programs: okay
Posts: 67
That's probably the biggest thing I always deal w/: is it a hassle if my intent is the miles; and I always end up at the fact that these companies make the offers using the miles as bait to sign up for an otherwise non-attractive offer. However, I think as a consumer we should at least have some reason to want to use the service and not just to open and close again; that seems to be "gaming" a little bit to me...the company is after all expending labor and man hours to set these things up...but again our $ is used by them to make $ themselves, so economically speaking it works out (otherwise they wouldn't run the promos in the first place)