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The 0.01% interest rate offered with this savings account is about 0.12% lower than the market average interest rate. A high-yield savings account will provide better returns on your deposits.
However, if you deposit or transfer enough funds to bring your balance positive by cut-off that day, you will not incur any fees. SunTrust will waive the overdraft/returned item fees on transactions that are less than $5. SunTrust limits total Overdraft and Returned Item fees to 6 per day.