SunTrust Banks is a financial holding company that provides a range of personal and commercial banking and working capital management services. Its subsidiary, SunTrust Bank, offers savings, business checking and individual retirement accounts, as well as certificates of deposit. SunTrust Bank provides Internet and phone banking, check imaging, treasury management, overdraft protection and direct deposit services. It additionally offers debit and credit cards, ATMs and traveler s checks. The bank provides a variety of loans to customers, such as commercial real estate, agricultural, auto, home, personal and construction. Its online services include personal e-mail accounts, account statements, and bill payment and transfers. SunTrust Bank maintains a location in Towson, Md.