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Old 02-12-2009, 04:34 AM   #1
Lisa1976
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Opening a Sun Trust Account - Info for those thinking about it

Hubby and I opened a joint Sun Trust account while we on our hols a couple of weeks ago and i thought I would let you know how the process went in case anyone is thinking of doing the same.

We went to huge and I mean HUGE Sun Trust bank opposite DTD. The lady who served us was very friendly and polite.

We went for a free checking account as this has no fees attached to it, plus has internet banking access and a Visa Card.

She filled in the application while we sat there, all we need was our passports and driving licences (you need two proofs of ID). After about half an hour all done, we opened it with $10. She gave us our account details straight away and when we got home our Visa cards were waiting for us, talk about speedy. We also don't have great credit histories back in the UK but this wasn't a problem.

I've already been on the internet and have access to the account.

The process is very very easy and they were happy to help. We are going to use it for our DVC monthly dues and also for stashing money away for our next trip.

I hope the above helps anyone thinking of opening a bank in the states.
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Old 02-12-2009, 06:21 AM   #2
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Thanks for the info, been meaning to do this for a while now but somehow always have better ways to spend our time
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Old 02-12-2009, 09:21 AM   #3
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Lisa what are the charges for wire transfers? I'm assuming that your going to be sending money from the UK to top up?
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Old 02-12-2009, 10:50 AM   #4
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I think I will open one of these in Aprill.
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Old 02-12-2009, 02:52 PM   #5
Lisa1976
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Quote:
Originally Posted by Shooby doo View Post
Lisa what are the charges for wire transfers? I'm assuming that your going to be sending money from the UK to top up?
SD
They did say, but I will be using Paypal instead. It was recommended on here actually by another UK member who had a US bank account, the fees to transfer to a US bank are a lot less than a wire transfer.
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Old 02-12-2009, 04:21 PM   #6
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We bank with HSBC so we spoke to the bank here about opening a US HSBC bank account. We did so last August for no charge, and there is no charge to transfer money between our UK and US account (or back again).

I have set up a monthly transfer between the accounts for our DVC monthly fees and plan to top the account up when the rate improves.

We get a better exchange rate than the tourist rate but not quite as good as the business rate - for example today's tourist rate is $1.3911 to £1 but our rate through the bank is $1.423 to £1

It may be worth finding out if your bank will allow you to open a US account through them
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Old 02-12-2009, 04:39 PM   #7
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I bank with HSBC and I had no idea you could do that!
My partner and I were discussing the other day (right after we paid our dues - curses to that exchange rate!) how much better it would be if we could pay monthly to Disney like you can if you are a US DVC member.
If I managed to open a HSBC US account does that mean I would be able to pay the Dues monthly directly to Disney via a direct debit from the US account? So in theory I'd have a monthly debit coming form my HSBC UK account going to my HSBC US account and then a debit going from that to Disney on a monthly basis? Is that how it works? and if so ho do you set it up?
Sorry for so many questions!!
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Old 02-14-2009, 05:59 PM   #8
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Quote:
Originally Posted by susieh View Post
We bank with HSBC so we spoke to the bank here about opening a US HSBC bank account. We did so last August for no charge, and there is no charge to transfer money between our UK and US account (or back again).

I have set up a monthly transfer between the accounts for our DVC monthly fees and plan to top the account up when the rate improves.

We get a better exchange rate than the tourist rate but not quite as good as the business rate - for example today's tourist rate is $1.3911 to £1 but our rate through the bank is $1.423 to £1

It may be worth finding out if your bank will allow you to open a US account through them
Can I ask whether there has to be a minimum amount present in the US account?
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Old 03-16-2010, 07:55 PM   #9
D1znee
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Where is the one in DTD ??? Also are these single accounts or joint acounts with same or different surnames. We will be there in June
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Old 03-17-2010, 03:48 AM   #10
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Sun Trust at DTD is opposite the Ghirardelli / Team Mickey building, on the other side of Buena Vista Dr, in between Disney Casting and Hilton Hotel.

It's a big square mirror glass building with drive-thru teller plaza in front.

Don't know about the different type of accounts they have, I would write them an e-mail, they are pretty fast answering them.

I will go there on the last day of my stay in May, before leaving to the airport. Will drop the ladies at DTD so they won't get bored.
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Old 03-18-2010, 04:37 PM   #11
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SUN TRUST BANK what type of questions do they ask?

Hi

Not wishing to be nosey but can anyone tell me what the questionaire is like for opening an American Bank Account. I know what type of questions you get asked when you open a UK account but is it a similar set up.

Also apart from id is there anything else you need to take with you.

Just wondered as not being a home owner i wondered if that went against you like it can in the scoring system here in the UK.

Thanks
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Old 03-21-2010, 10:17 AM   #12
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Hi

They didn't ask us hardly anything - they just wanted to know we would be using the account regularly.

We took Passports and photo driving licences for ID.

HTH
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Old 03-21-2010, 03:02 PM   #13
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Thanks so much, how long does it take, hoping to use the first morning to get it set up.

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Old 07-31-2010, 03:13 PM   #14
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Hi,

We went to set an account at Sun Trust in June. They told us that we need 1 photo ID and 1 utility bill. Unfortunately, we didn't have any utility bills with us so we couldn't do it.

Hopefully, we will get it sorted out next time.
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Old 07-31-2010, 06:59 PM   #15
Brandis
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Quote:
Originally Posted by maznorm View Post
Hi,

We went to set an account at Sun Trust in June. They told us that we need 1 photo ID and 1 utility bill. Unfortunately, we didn't have any utility bills with us so we couldn't do it.

Hopefully, we will get it sorted out next time.
Did you tell them that you live outside the US?

They only asked for my passport.
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