I am totally disgusted with SunTrust. I have, well, had, four accounts with them for many years now. I recently closed two accounts due to their upcoming personal checking fees. PS: If you don't know about their new fees, you live under a rock and should take immediate action to correct this!
In any event, to avoid their new fees, one of their bankers told me that the way around them is to apply for their credit card and just charge it up every month. So I applied for their card, fully disclosing to the banker that my credit wasn't the best. Of course, she said "no problem." Well, it was a problem, because I was declined. The banker called me to tell me that my beacon score was too low, which I know is a lie because I had a copy of my credit report from Equifax, and I already have a Discover card.
I then told her I would be closing my personal checking with SunTrust, because now she had provided me with no viable options to avoid their stupid and expensive new monthly fees!!! I am going to a nearby credit union and can't wait to close my last account with them!
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