Banks like to have all of your business, including your mortgage, checking account, and brokerage action, if possible. Low profit margins on certificates of deposit and savings accounts just don’t provide financial institutions with much extra cash; the checking account fees and interest earned from loan customers is what banks are really after.

Yet to get your checking business while retaining your deposits, a bank might need to provide a higher savings rate or an attractive promotion. SunTrust is currently offering a ‘package deal’ that bundles CDs with high yields. The deal is available to SunTrust checking customers. Basically, the bundle works like this: when you split your deposit total evenly between two CD terms–26 months and 49 months–then you earn an annual percentage yield (APY) of 3.00% on both certificates. The rates are also available for IRAs, according to SunTrust’s website.

Florida-based SunTrust is also advertising a 59-month CD at 3.00% APY, as well as a 39-month certificate at 2.30% APY. (The oddly-numbered terms seem to serve as more of any eye-catcher in SunTrust’s advertisements than anything else.) The bank says that these rates are available for IRAs as well as business deposits; minimum deposit for all of the CDs listed is $2000.

As I search over the Internet for deals to relay to BankShout readers, I always hope to find more packages like this one from SunTrust. That these kinds of bundles with high yields are increasingly difficult to find just means that, sadly for savers, banks don’t really need your deposits the way they used to. That will hopefully change in the future, especially with heavy regulations coming out of Washington that will curb bank’s fee-charging practices.