Payday Loans

Thank you everyone for the great advice on payday loans and how I can begin to live again. Can anyone tell me if they have had any success with SunTrust Bank. I was going to go in and talk with the Branch Manager as soon as possible seeing that the payday loans with begin to come out on Friday. Will a stop payment stop the store front loans or will they have the ability to continue to withdraw. I know that I have to close the accounts first, but what if I changed my joint account with my husband to deposit only with the accounts(payday loan account) and open up another account with my name only with my payroll direct deposits to pay bills,etc?