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Reminder: 55,000 Delta SkyMiles With SunTrust Debit Cards ends June 30th

by on June 28, 2012 · 25 comments

in Debit Cards, Delta Air Lines

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From one points procrastinator to another, I just wanted to give a friendly reminder that the lucrative signup bonuses for the Delta Skymiles SunTrust Debit Cards end June 30th. This is a no brainer in my opinion because there is no credit pull, minimal hassle. It’s only$75 for 30,000 miles which is 0.25 cents a piece and $120 for 25,000 ot 0.5 cents apiece.

Earn up to 30,000 Delta Skymiles

Personal offer: 15,000 SkyMiles on opening a new checking account with at a $100 minimum balance and a direct deposit (salary, pension, Social Security or other regular monthly income of $100 or more ) by 9/30/12. Receive an additional 15,000 SkyMiles when you get the SkyMiles debit card and make a non-pin purchase by 7/31/12. Cost: $75 for the debit card and a $12 monthly fee if your total account balance falls below $3,000. Fee waived for the first two months.

Suntrust business offer

Business offer: 25,000 SkyMiles after the first PIN Point of Sale or signature-based purchase made with the card by 7/31/12.  $120 annual fee for the card and varying fees based on the type of checking account you qualify for.

Suntrust is primarily based in the south and per the official terms it says you can only get this bonus if you live in AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA and Washington, D.C. However, if you don’t live near a branch or have plans to be near one before the promo ends, you can call them at 1-800-SUNTRUST or try their online chat feature which is available between 8am and 6:30pm EST Monday-Friday.

Unfortunately if you reside outside the states mentioned there have been reports that accounts have been closed within a few days after opening for this reason (mostly for business accounts). Apply with caution, though theres really no risk since there are no hard credit pulls and your money is refunded if the account is closed.

Luckily I live in Florida, so I’ll be taking advantage of both promotions. While SkyMiles can be hard to use at times, they can be extremely valuable as I highlighted in this video post. This is also a great opportunity with people with kids to rack up some miles since you can co-sign for a checking account for them and as long as their SkyMiles account is attached, they will get the miles and you can as well for your own account. Could also be a good idea if you have a college student who is thinking of getting a debit card. Again, unlike the credit card deals, since this is a debit card there is no hard credit pull.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • http://www.facebook.com/profile.php?id=797160415 Francis Maraj

    Got this and the AMEX card at 35k. I don’t have a business, but I wonder if I could open a business checking account.

  • LarryInNYC

    Unfair to New Yorkers! Just sayin’

  • PJ

    I have been expecting better availability on Delta Awards : 2 months out SFO EWR same MIDweek travel for last class traveller 25K indeed plus $10 ( no big deal versus $5) but with 1 connection versus plenty of seats on United NON stop flights back and forth hmmm

    Still praying the 50 % trasnfer bonus or trasnfer out 50K MRs get back 20K or 15K can come out from Amex SOON It has been a draught for a while

  • http://twitter.com/Afkabp Afkabp

    Didn’t realize this was available in my state. Closest branch is a bout 2 hours away from where I live. I just logged on and signed up for an account. Great deal.

  • GH83

    You can apply through the chat feature on the Suntrust website. I live in NY and have already received the 30,000 miles from the promotion.

  • LarryInNYC

    Hm. Brian suggests in the post that this hasn’t been working. How long ago did you do it?

  • Jane

    I live in both Virginia and Michigan. Before I left Virginia for the summer, I opened a SunTrust checking account at their branch using my Michigan address. Your post had me a little concerned that I might not get the points. I just called SunTrust and they said to me that it doesn’t matter where you live to get the Delta Skymiles.

  • thepointsguy

    Some people have had accounts shut down (I think mostly business ones). Can’t hurt to try since there’s no hard credit pull

  • zg

    I would agree with GH83. I live in IL, did everything over the phone. Worked just fine.

  • brian levy

    TPG, so the idea is to open the account with the $100 minimum balance, direct your employer to deposit $100 in the account, pay the $75 fee to get 30k points and cancel within 2 months to avoid the $12 monthly charge?

  • PJ

    It lookslike : an ACH monthly transfer over 100 is counted as Direct Deposit ; the trick worked on CHase when they were giving $150 bonus

    anybody know if Sun trust bonus as income on 1099 Misc

  • Chris S.

    Don’t want to discourage anyone from getting free miles, but my account was closed and I’m in California. I applied online via chat, and my account was shut down for issues related to “fraud.”

    Brian probably should have mentioned that there’s also a penalty fee if you close the account before 6 (or maybe it was 3) months have elapsed since the account was opened. Check the T&Cs as always.

  • thepointsguy

    Was it a business account or personal?

    I’m unaware of the closing penalty- do you have any info on that? Assume you didn’t get hit with it since they closed your account on you.

  • thepointsguy

    Correct

  • Chris S.

    I recall reading it on the flyer talk thread.

    If you scroll through to page 4 on this document (available online and also included in account welcome mailers), you’ll see there’s a $25 fee for accounts closed within 6 months: https://www.suntrust.com/Static/Documents/Personal_Banking/Deposit_Account_Disclosures/FS_RETAIL_E.pdf

    Not terrible in and of itself, but the monthly fees can add up if you’ve got no interest in keeping >$3000 in the account.

  • Storminorm

    I opened an account with 1000.00 in the account and several days later received a letter stating account closed and I received my 1000.00 back by check, have outstanding credit, live close to 3 suntrust banks……what’s up?? personal account, I called and they said it was their right to close any account without notice or explanation……

  • PJ

    account with a full service bank can be handled from a very different perspective. I have not convinced myself it is worthwhile to pay $75 for 30 K delta miles ..by going through open a new account and collect the bonus and run.

    I opened a Chase Total Checking for my daughter who has 800+ credit score and has been gainfully emplyed for 5+ years. My srategy is : I acted on the $150 ( taxable) new account signup bonus and fund the account with $1500 to avoid fees. I know soon Chase will give another $150( also taxable) bonus to ask for the Direct Deposit sign up which can be easily filled with an ACH transfer from your own account AWAY.

    I plan to let my daughter copy my account relationship with Chase. She already has Sapphire Preferred with 100K sign on bonus, Southwest 5oK and United Explorer 50K plus 5K for adding me as Authorized signer. In no time she will also have all Chase credit cards I currently have and more.. She can also get Hyatt. Chase freedom , BritishAirway,Mariott, Fairmont ( my next card too) . all those sign on bonus can add up to a good $$$ savings..

  • Sam in P

    Just applied from WA for personal acct. We will see…

  • Zj

    I think it is definitely worth it. I opened both the personal and bus., and will have a total of $195 invested with their fees. That is 55,000 points, just shy of the 60,000 I need for roundtrip from ATL to STT. That ticket is $780!

  • Andersonr

    Yes you can. I opened one for my “sole proprietorship” when they had a similar deal back in 2011.

  • DFW Flyer

    Just attempted to open an account through the online chat feature. They required that I visit a branch to further process my application for a new account. I’m in Texas.

  • Sam in P

    I can sign in to my account. It shows my account has the cash I transferred as available. I’m not sure how long it will take to get the card,when the points will transfer or if they will just kill my account.

  • AceTracer

    I’m glad it’s not available in my area, because all of that sounds like a pain in the ass. Especially for SkyPesos.

  • Anon

    Thought seriously about this, but for the amount of work and $ required lots of folks on flyertalk have been having trouble with accounts being closed / or simply not receiving the full advertised bonus. This definitely isn’t worth the hassle / investment if the full payoff isn’t guaranteed.

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