Personal & Commercial Banking, Credit Cards, Loans & Investments

Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR.Disclosure 2, Disclosure 3 After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate.Disclosure 2, Disclosure 3 Excellent credit is required to qualify for the lowest rates.

What can we help you with?

Loading
View all products

Enjoy cash rewards

Fill up. Stock up. Charge up. All with cash back.

Turn grocery runs and fuel stops into extra rewards with the Truist Enjoy Cash credit card. See rates, fees and rewards


Learn more about Truist Enjoy Cash credit card.

LightStream unsecured loan

Clean up your debt and take back control.

Consolidate debt into one easy payment. Get rewarded for good-to-excellent credit with a low-fixed rate loan.

Apply now for a lightstream unsecured loan.
Learn more about LightStream unsecured loans.

Home equity lending

Put your home to work for you.

Unlock new possibilities with a Truist home equity line of credit.

Loading

Credit card offers

A great credit card may be waiting for you.

Cash back, travel rewards, or our lowest APR. You could find the credit card that fits just right in minutes.

Fraud and security

Make security a priority.

Get tips on protecting your accounts.

Small Business Loans

Get an answer on your application—fast.Disclosure 1

Accelerate your goals with a vehicle or equipment loan to keep your business moving forward.Disclosure 1

Zelle

Give and go with Zelle®.

Use Zelle® to send money to the people you celebrate right from your phone.Disclosure 2

Truist One Money Market

School's in, and so is saving.

Get extra credit and start saving when you open a new Truist Money Market Account.

Crystal clear—created with care.

Meet the Truist app.

Get super-fast access to your accounts and bright insights into your spending with our mobile app.

QR Code to open Apple or Google play app.

Scan this code with your phone’s camera to download Truist Mobile.

Let’s focus on your priorities.

Life can get loud. With our knowledge and care, you can tune out the noise and stay focused on your goals.

See how we can help with your goals.
Component ID : "accordionGridLayout-1946833208"
Model : "disclaimer"
Position : "left"

Visual description: Truist logo

Visual description: A son practices his golf swing in his parent’s backyard. As he swings, his dad in the background turns on a leaf blower.

Sound effects: The leaf blower’s engine revs.

Visual description: Distracted by the sound, the son messes up his swing and looks at his dad who gives him an innocent and apologetic look.

Music: Upbeat music starts.

Visual description: The son prepares to practice his swing again. Right at the top of his swing, we see nearby wind chimes sprayed with a hose by his dad.

Sound effects: Water sprays against windchimes.

Visual description: Again, the son is distracted by the noise and drops his club. Seeing the frustration on his son’s face, the father approaches him to offer some caring advice.

DAD: Ok, son. Focus on what you can control. Everything else is just noise.

Visual description: After listening to his dad, the son focuses and takes one more practice swing. At the top of his swing, we cut to the same son swinging in the exact same way. But now, he’s a professional golfer in a golf tournament. Nearby, a woodpecker creates a distracting pecking noise while the son swings. In the crowd his dad looks on with anticipation.

Voice over: When you work with someone who knows a lot and cares even more…

Sound effects: A woodpecker pecks a tree.

Voice over: … you’re unstoppable.

Visual description: Unphased by the distraction thanks to his dad’s wisdom and advice, the son hits a perfect shot.

Music: The music builds climatically.

Visual description: We follow the golf ball as it travels into the sky towards a green surrounded by fans. The ball bounces off the flag stick and stops just inches from the hole.

Music: You’re a shining star…

Voice over: At Truist, we believe the same is true for banking.

Sound effects: Golf ball hits ground and flag stick.

Visual description: As the crowd cheers, the son smiles at his father acknowledging his unwavering support. The dad smiles back.

Music: … no matter who you are.

Visual description: We see a Truist teammate and client sitting together in a Truist lobby. The client sets down a piece of paper.

Client: I’ve got a lot going on right now.

Music: Shining bright to see…

Visual description: The teammate nods and provides a helpful suggestion to the client.

Teammate: Let’s focus… What are your top priorities?

Visual description: Truist logo

Music: …what you can truly be.

On Screen text: Leaders in banking. Unwavering in care.

On Screen text: Truist Bank, Member FDIC. ©2025 Truist Financial Corporation. Leading based on Truist ranking as a top 10 U.S. commercial bank as of 9/30/24.

Money and Mindset

Reach your goals. Feel good doing it.

It’s time to upgrade your money mindset. Learn new skills, change your point of view, and take control of your finances.

View Money and Mindset to learn more.

Your guide to becoming a super saver

When it comes to saving, it’s OK to put yourself first. Because when you build money habits that align to your unique goals, it makes for a smoother and more rewarding journey.

7 tips for starting a side hustle

Can you turn your skills into new income? These tips can help you start your side hustle journey.

Go for it and start your side hustle.
Component ID : "accordionGridLayout-2007570826"
Model : "disclaimer"
Position : "left"

Disclosure 1 Loans and lines of credit are subject to credit approval. Standard underwriting guidelines and credit policies apply.

Disclosure 2 For your protection, Zelle® should only be used to send money to friends, family, and other people or businesses you trust. Payments made with Zelle® are like sending cash and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. A U.S. checking or savings account is required to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. To send and receive money with a small business, both parties must be enrolled in Zelle® directly through their financial institution's online or mobile banking experience. For more information, view the Truist Online and Mobile Banking Service Agreement or for small business clients, view the Truist Online and Mobile Banking for Business Service Agreement. There is no fee to send money with Zelle® through your enrolled Truist business bank account. However, Zelle® payments to your business account will be charged a 1.0% fee (maximum fee of $15 per transaction). See Truist's Business Deposit Accounts Fee Schedule for additional information. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 2 Special Advance Rate: The Special Advance Rate is a variable rate made up of a discounted margin plus the variable Prime rate and is in effect for 9 months after the date of account opening (“the Promotional Period”) and is valid for approved applications received through 08/31/25 and closed by 10/31/25 for a Truist Home Equity credit line amount of $15,000 up to $1,000,000. Any variable advances taken during the Promotional Period shall accrue interest at the Special Advance Rate until the expiration of the Promotional Period. The Special Advance Rate ranges from Prime minus 1.51% (currently 5.99% APR) to Prime + 5.84% (currently 13.34% APR). Advances taken subsequent to the expiration of the Promotional Period, as well as any promotional balance remaining upon expiration of the Promotional Period, shall accrue interest at the standard rate(s) and margin(s) as described below and in your Truist Home Equity Line agreement. Offer not available on Fixed Rate advances. Offer subject to change without notice at any time and subject to credit approval.

Offer is only available for owner-occupied, single-family, primary and secondary residences and condominiums located in the Truist footprint and is not valid on manufactured homes or cooperatives. Credit criteria, exclusions and limitations apply. Property insurance is required, and, if applicable, flood insurance will be required. There is a $50 annual fee in AL, AR, CA, FL, GA, IN, KY, NJ, and OH.

Disclosure 3 Rates will vary with the market based on the Prime Rate + margin. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 7.50% as of 3/5/2025. Standard APRs are variable during the 10-year draw period and 20-year repayment period and apply only to the variable rate option; are based on your collateral property location, credit line amount, combined Loan-To-Value (CLTV) ratio and other factors; and can range from Prime + 0.00% (currently 7.50% APR) to Prime + 7.35% (currently 14.85% APR). During the 20-year repayment period for this option, the APR will continue to be calculated at a variable rate and your minimum monthly payment will be 1/240th of the total balance at the end of the draw period, plus interest and any applicable fees/charges. The maximum APR is 16% for properties located in NC and 18% for properties located in AR, CA, FL, GA, TN, AL, SC, VA, MD, DC, WV, IN, KY, NJ, OH, PA, or TX.

Excellent credit is required to qualify for the lowest rates. At least 50% of booked applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/25 – 5/28/25.

Rates will vary if the client chooses for the bank to pay their closing costs, which is an option in some states if the requested loan amount is less than or equal to $500,000. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $10,000, and may vary by state. If you close your Truist Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs Truist paid on your behalf.

† Terms and Conditions for Truist One Checking $400 Online Offer 2025: TRUIST25DC400

Offer Information: Open a new Truist One Checking account online from 5/1/25 through 10/29/25, receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening and earn $400.

Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code TRUIST25DC400. Please refer to the Account Opening and Enrollment section below for full instructions.

*A qualifying Direct Deposit is an electronic credit (greater than $5.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency via ACH. Person to person payments (such as Zelle®) or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 5/1/24 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a mailing address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. In order to receive the reward, the new checking account must be open, not restricted, and in good standing with a balance of at least $0.01 at the time of Truist verification and at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per client and for one new qualifying checking account. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. 

Reward Forfeiture: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer prior to payout, (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed or restricted at the time of payout.

Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 7/31/26 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.

Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter TRUIST25DC400 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.

Version 2 03262025 TRUIST25DC400

†† The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies. 

To INITIALLY QUALIFY for the Balance Buffer, the requirements below must be met: 

  • Account must be opened for a minimum of 35 calendar days
  • Account must be funded and have a positive balance
  • A single direct deposit of at least $100 made within the last 35 calendar days

To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met: 

  • A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.

For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.

For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

Site footer

Footer Navigation

Banking products
About Truist
Resources
Support

© 2025, Truist. All Rights Reserved.