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Truist (fka Suntrust) Skymiles Check Card [see WIKI for offers]

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Old Jul 3, 2014, 12:11 pm
FlyerTalk Forums Expert How-Tos and Guides
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:
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
    __________________________________________________ _____________

    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 instruments

    -----------------------------------------------------------
    If SunTrust closed your account, it would be great if you could share a little info about the account history.
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    Truist (fka Suntrust) Skymiles Check Card [see WIKI for offers]

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    Old Jun 15, 2015, 9:45 am
      #2251  
     
    Join Date: Apr 1999
    Location: Northport, NY
    Posts: 1,732
    My annual fee of $75 posted May 25th. I called last week and cancelled the Delta card and received a $72 refund. I will call again this week to close the account.
    Schutzee is offline  
    Old Jun 17, 2015, 10:24 am
      #2252  
     
    Join Date: Aug 2004
    Location: MGM
    Programs: United Silver, PC Plat/Amb, HH Dmnd
    Posts: 805
    Originally Posted by troyhouse
    how is everyone maximizing mileage earning with impending july shutdown?
    Personally, I'm pulling out all the stops and cramming as much money into the account as I can. Money orders out the wazoo. FYI, if (like me) you don't have a local Suntrust, I covered all the ways to remotely deposit that I know about here:
    http://thepointsninja.blogspot.com/2...lta-debit.html

    Andyandy
    andyandy is offline  
    Old Jun 17, 2015, 10:44 am
      #2253  
     
    Join Date: May 2014
    Location: PWM
    Programs: Delta PM
    Posts: 822
    Originally Posted by andyandy
    Personally, I'm pulling out all the stops and cramming as much money into the account as I can.

    +1 ^

    here's a question: so we know the program ends on July 25th. Should we be crushing this throughout July as well? Since miles post on the 5th of every month is there any chance on the 5th of August the cap will kick in and even if we crush it we'll only get 2k? I'm just thinking out loud, I don't think that has been discussed.
    JayTeaBee is offline  
    Old Jun 17, 2015, 11:51 am
      #2254  
     
    Join Date: Nov 2013
    Posts: 77
    Originally Posted by andyandy
    Personally, I'm pulling out all the stops and cramming as much money into the account as I can. Money orders out the wazoo. FYI, if (like me) you don't have a local Suntrust, I covered all the ways to remotely deposit that I know about here:
    http://thepointsninja.blogspot.com/2...lta-debit.html

    Andyandy
    That post didn't even mention push transfers from your bank that you deposit the MO's into. I deposit my MO's at a local bank and push from it INTO my ST account. That is only limited by your transfer limit of the bank you're pushing from. Mine limits at $5K per transfer, so I just do multiple transfers.
    USFishin is offline  
    Old Jun 17, 2015, 12:45 pm
      #2255  
     
    Join Date: Aug 2004
    Location: MGM
    Programs: United Silver, PC Plat/Amb, HH Dmnd
    Posts: 805
    Originally Posted by USFishin
    That post didn't even mention push transfers from your bank that you deposit the MO's into. I deposit my MO's at a local bank and push from it INTO my ST account. That is only limited by your transfer limit of the bank you're pushing from. Mine limits at $5K per transfer, so I just do multiple transfers.
    Dang! Obviously I didn't think of that. I've been holding back for so long that I've never needed to get much more than 25K in per month. Thanks for the tip!

    Andyandy
    andyandy is offline  
    Old Jun 17, 2015, 12:47 pm
      #2256  
     
    Join Date: Aug 2004
    Location: MGM
    Programs: United Silver, PC Plat/Amb, HH Dmnd
    Posts: 805
    Originally Posted by JayTeaBee
    +1 ^

    here's a question: so we know the program ends on July 25th. Should we be crushing this throughout July as well? Since miles post on the 5th of every month is there any chance on the 5th of August the cap will kick in and even if we crush it we'll only get 2k? I'm just thinking out loud, I don't think that has been discussed.
    IMHO, that shouldn't happen per the terms. That doesn't mean that it won't happen through an IT glitch or some such, but I think ST would have a hard time justifying it. I'm going to roll the dice and crush it right up to the 25th.
    andyandy is offline  
    Old Jun 17, 2015, 1:22 pm
      #2257  
     
    Join Date: Feb 2010
    Location: CLE
    Programs: AA Exec Plat, Hilton Diamond, Hertz PC
    Posts: 5,538
    Originally Posted by andyandy
    Personally, I'm pulling out all the stops and cramming as much money into the account as I can. Money orders out the wazoo. FYI, if (like me) you don't have a local Suntrust, I covered all the ways to remotely deposit that I know about here:
    http://thepointsninja.blogspot.com/2...lta-debit.html

    Andyandy
    One way that is not mentioned there is to push money from an external account. I've been transferring $5k/day from one account (max allowed by that bank) nearly every day - including weekends. I have another account that lets me push up to $10k/day. Suntrust is fine with that so far.

    Last edited by Surface Interval; Jun 17, 2015 at 1:29 pm
    Surface Interval is offline  
    Old Jun 17, 2015, 2:55 pm
      #2258  
     
    Join Date: Sep 2011
    Posts: 891
    Originally Posted by andyandy
    Dang! Obviously I didn't think of that. I've been holding back for so long that I've never needed to get much more than 25K in per month. Thanks for the tip!

    Andyandy
    i have been doing that from my 2 banks, and putting as much as possible. i am just little concerned with too many MOs, any ways to minimize the issue with it?
    troyhouse is offline  
    Old Jun 17, 2015, 4:08 pm
      #2259  
     
    Join Date: Aug 2009
    Location: RDU
    Programs: A few
    Posts: 5,499
    To hell with it at this point, I live in SunTrust country and I am depositing the MO's immediately back into the ST account lol. At Kroger I can buy them there and deposit them on the way out at the in-store branch.
    ma91pmh is offline  
    Old Jun 17, 2015, 4:48 pm
      #2260  
     
    Join Date: Feb 2010
    Location: CLE
    Programs: AA Exec Plat, Hilton Diamond, Hertz PC
    Posts: 5,538
    Originally Posted by troyhouse
    i have been doing that from my 2 banks, and putting as much as possible. i am just little concerned with too many MOs, any ways to minimize the issue with it?
    My favorite way is to get a couple "throw away" accounts to deposit the MO's into. Then I mix things up a bit by not just transferring to ST, but send some to my "main" account (Chase) and then transfer from there. From ramblings elsewhere they seem to have a very low tolerance for MO's.

    As for the $5k/day that I hit pretty much daily, you need to have a relationship with the military (past or present) to use them. I've been depositing $5k in MO's and cycling right back out as they funds are available right after mobile deposit. I did get a call from their fraud squad and they seemed happy to know that the MO's came from my own money. That was about a month ago.
    Surface Interval is offline  
    Old Jun 17, 2015, 6:09 pm
      #2261  
     
    Join Date: Feb 2013
    Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
    Posts: 5,952
    Originally Posted by ma91pmh
    To hell with it at this point, I live in SunTrust country and I am depositing the MO's immediately back into the ST account lol. At Kroger I can buy them there and deposit them on the way out at the in-store branch.
    ^^^^^^

    Excellent point. I'll do this beginning next week. Can divide MO deposits between bank accounts. I've been reluctant to deposit MOs but I'm going to rev up now.

    Do you guys make the Payee yourself? And the Payer yourself? I've been doing Payee: spouse; Payer: me.

    Also, anyone notice they are requiring a Kroger card swipe for Kroger MO purchase?
    Stgermainparis is offline  
    Old Jun 17, 2015, 8:46 pm
      #2262  
    FlyerTalk Evangelist
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    Join Date: Jul 2008
    Location: IAH
    Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
    Posts: 12,795
    Originally Posted by Stgermainparis
    Do you guys make the Payee yourself? And the Payer yourself? I've been doing Payee: spouse; Payer: me.
    Where I buy them (prints via WU MOs), there isn't even a line for payer, just payer address which I just write as my home address. I finally dragged myself out at lunch to deposit a handful b/c I was sitting on $6k in MOs and another 3k in VGCs I need to liquidate. It's going to be busy for the next month... cleaning up my Mint.com transactions is becoming rather time consuming.
    krazykanuck is online now  
    Old Jun 18, 2015, 10:18 am
      #2263  
    akp
     
    Join Date: Jun 2011
    Location: Flyover Territory
    Programs: Hilton Diamond
    Posts: 687
    Question about timing for those of you who have followed it closely.

    If I cancel before my AF posts on 6/25, will I still get points due to me on 7/5? I just made a large quarterly estimate in June and I don't want to jeopardize that.

    If there is a risk I won't get miles earned when the card was still open, I'd rather just keep it until 2016 fee is due. 24,000 miles for $75 is respectable enough, I suppose.
    akp is offline  
    Old Jun 18, 2015, 10:19 am
      #2264  
    akp
     
    Join Date: Jun 2011
    Location: Flyover Territory
    Programs: Hilton Diamond
    Posts: 687
    Originally Posted by Schutzee
    My annual fee of $75 posted May 25th. I called last week and cancelled the Delta card and received a $72 refund. I will call again this week to close the account.
    I read earlier in the thread that it was well established that they were not giving fee refunds. Did you do anything special to get the refund?
    akp is offline  
    Old Jun 18, 2015, 10:33 am
      #2265  
     
    Join Date: Jun 2009
    Posts: 42
    Originally Posted by akp
    Question about timing for those of you who have followed it closely.

    If I cancel before my AF posts on 6/25, will I still get points due to me on 7/5? I just made a large quarterly estimate in June and I don't want to jeopardize that.

    If there is a risk I won't get miles earned when the card was still open, I'd rather just keep it until 2016 fee is due. 24,000 miles for $75 is respectable enough, I suppose.
    Same situation. I will make a move after the miles post in early July.
    atc1 is offline  


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