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Checking

Checking

Personal Checking Account Benefits

Get what you need with your account.

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More convenience—more access.

Over 3,500 Truist ATMs at your service.

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Move money fast with Zelle®.

Send and receive money in minutes.1

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Deposit checks ASAP.

Skip the trip with mobile check deposit.2

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Control your debit card.

Lock and unlock it, control it when you travel, and set spending limits.

Find your fit—here.

Personal Checking Accounts

Truist Dimension Checking

Increase your balance, increase your rewards. Truist Dimension Checking has three rewards levels.

Open now a Dimension checking account.
Find a branch
Component ID : "accordionGridLayout-386974356"
Model : "stack"
Position : "left"
$20

Monthly maintenance fee—with plenty of ways to waive3

$50

Minimum opening deposit

Earn interest on your money4

Compare rewards levels

Dimension Core

$0 up to $25,000
Account balance
10%
Credit Card Loyalty Bonus5
$95
Delta SkyMiles Debit Card annual fee6
1
No-fee, non-Truist ATM transaction per statement cycle7
Dimension Select

$25,000 up to $100,000
Account balance
25%
Credit Card Loyalty Bonus5
$75
Delta SkyMiles Debit Card annual fee6
3
No-fee, non-Truist ATM transactions per statement cycle7
Dimension Premier

$100,000+
Account balance
50%
Credit Card Loyalty Bonus5
$25
Delta SkyMiles Debit Card annual fee6
Unlimited
No-fee, non-Truist ATM transactions per statement cycle7

All rewards levels

Benefits for you:

  • Up to four other, fee-free checking accounts.8
  • No monthly maintenance fee for a Truist Savings account.
  • $25 discount on any safe deposit box.9
  • Free money orders and official checks.
Best checking account if you:

  • Want to earn interest on your money.4 
  • Have an average of $3,000 a month in direct deposits or $10,000 monthly average balance in your Truist Checking and Savings Accounts. 
  • Are interested in a Delta SkyMiles Debit Card or a Truist credit card.
Fee information:

Any of these will waive the $20 monthly maintenance fee:

  • Make $3,000 or more in total qualifying direct deposits10 per statement cycle.
  • Maintain a combined total monthly average ledger balance11, 12 of $10,000 or more with Truist related accounts13 across personal deposits and all investments per statement cycle.
  • Have a related personal Truist credit card, mortgage, or consumer loan.14
  • Have a linked Small Business Checking account.15

Want more details? See our account fees and disclosures.

Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus based on their credit card product type, the method by which they redeem, and their deposit relationship(s) at Truist. More information on this rewards bonus option can be found within the Rewards Program Terms and Conditions applicable to the client’s respective credit card; restrictions apply. Truist credit cards are subject to credit approval.

Truist Bright Checking

Recommended for your everyday needs. Truist Bright Checking offers options to avoid the monthly maintenance fee—and helps you bank on the go.

Open now a Truist Bright checking account.
Find a branch
Component ID : "accordionGridLayout-1045576662"
Model : "stack"
Position : "left"
$12

Monthly maintenance fee with ways to waive16

$50

Minimum opening deposit

No interest earned

Benefits for you:

  • No-fee access to more than 4,000 Truist ATMs.
  • Ways to protect yourself from overdrafts.
  • Digital money management tools.
Best checking account if you:

  • Need an everyday account for everyday needs.
  • Want to get, pay, and file your bills in one place with eBills.
Fee information:

Either of these will waive the $12 monthly maintenance fee:

  • Make $500 or more in total qualifying direct deposits10 per statement cycle.
  • Maintain an average ledger balance17 of $1,500 per statement cycle.

Want more details? See our account fees and disclosures.

Truist Fundamental Checking

A simple, affordable checking account. Truist Fundamental Checking has a low monthly maintenance fee, low opening deposit, and no minimum balance.

Open now a Truist Fundamental checking account.
Find a branch
Component ID : "accordionGridLayout-221993246"
Model : "stack"
Position : "left"
$5

Monthly maintenance fee
($3 in New Jersey)

$50

Minimum opening deposit

No interest earned

Benefits for you:

  • $50 minimum deposit to open.
  • Low $5 monthly maintenance fee ($3 in New Jersey).
  • Ways to protect yourself from overdrafts.
Best checking account if you:

  • Generally have a lower monthly checking balance.
  • Want digital money management tools.
  • Are interested in free educational resources.

Want more details? See our account fees and disclosures.

Truist Student Checking

No monthly maintenance fee. And the convenience you crave. Student Checking is for people 23 or younger18—it’s a great way to start out.

Open now a Truist Student checking account.
Find a branch
Component ID : "accordionGridLayout-952744101"
Model : "stack"
Position : "left"
$0

Monthly maintenance fee19

$0

Minimum opening deposit

No interest earned

Benefits for you:

  • No minimum deposit to open, no monthly maintenance fee,19 and no direct deposit required.
  • Customizable debit card.
  • No fees transactions at over 3,500 Truist ATMs.
  • Ways to avoid overdrafts. 
Best checking account if you:

  • Are 23 or younger.18
  • Want free access to digital banking and educational resources.
  • Don’t want to worry about account balance minimums and monthly fees.
  • Like digital features like text alerts, mobile deposits, and keeping an eye on your money with an app.

Want more details? See our account fees and disclosures.

Truist Money Account Prepaid Debit

No deposit? No bank account? No problem. The Truist Money Account gives you the freedom of a debit card.

Open now a Truist Money prepaid debit account.
Find a branch
Component ID : "accordionGridLayout-326133099"
Model : "stack"
Position : "left"
$5

Monthly maintenance fee

$0

Minimum opening deposit

No interest earned

Benefits for you:

  • No minimum deposit to open and no additional bank account required.
  • Avoid check-cashing fees by setting up direct deposit.
  • Use as a companion to your existing bank account. Digitally transfer funds to—and from—your reloadable card whenever you want.
  • Waive the $5 monthly maintenance fee by loading at least $500 a month.22
  • Earn cash back with deals—personalized select merchant offer discounts that come with your account.23
Best if you:

  • Need to manage a strict budget—for you, or your household.
  • Don’t have a bank account.
  • Want to avoid overdraft fees.
  • Enjoy digital features like text alerts, mobile deposits, and keeping an eye on your money with an app.

Want more details? See our account fees and terms & conditions.

Earn Rewards

Dimension Checking

Amount to open: $50

Monthly fee: $20

Ways to waive: Monthly direct deposits10 over $3,000 or $10,000 average ledger balance11, 12 or have a personal Truist credit card, mortgage, or consumer loan14 or have a linked Small Business checking account15

Best if you:

  • Want incentives that grow with your checking account balance
  • Like unique rewards and earning interest4

Everyday Checking

Bright Checking

Amount to open: $50

Monthly fee: $12

Ways to waive: Monthly direct deposits10 over $500 or $1,500 average ledger balance15

Best if you:

  • Want an everyday checking experience
  • Have monthly direct deposits

Everyday Checking

Fundamental Checking

Component ID : "accordionGridLayout-449972861"
Model : "stack"
Position : "left"

Amount to open: $50

Monthly fee: $5 ($3 in New Jersey)

Ways to waive: None

Best if you:

  • Need reliable online checking access and digital money tools
  • Usually have a lower monthly balance

Everyday Checking

Student Checking

Amount to open: $0

Monthly fee: $0

Ways to waive: None

Best if you:

  • Are a student aged 23 or younger18
  • Want a fee-free checking account
  • Like to manage your money with a mobile app

Everyday Checking

Money Account

Amount to open: $0

Monthly fee: $5

Ways to waive: $0 (with a monthly load of at least $500)

Best if you:

  • Eliminate overdraft fees
  • Benefits of a debit card with a prepaid account

Minimum opening deposit Monthly maintenance fee Ways to waive monthly maintenance fee Best if you

Truist Dimension Checking

Terms & Conditions

$50

$20
  • Monthly direct deposits10 over $3,000 or $10,000 average ledger balance11, 12
  • Have a personal Truist credit card, mortgage, or consumer loan14
  • Have a linked Small Business checking account15
  • Want incentives that grow with your checking account balance
  • Like unique rewards and earning interest4

Truist Bright Checking

Terms & Conditions

$50

$12
  • Monthly direct deposits10 over $500
  • $1,500 average ledger balance17
  • Want an everyday checking experience
  • Have monthly direct deposits

Truist Fundamental Checking

Terms & Conditions

$50

$5
($3 in New Jersey)

None
  • Need reliable online checking access and digital money tools
  • Usually have a lower monthly balance

Truist Student Checking

Terms & Conditions

$0

$0

No monthly fee
  • Are a student aged 23 or younger18
  • Want a fee-free checking account
  • Like to manage your money with a mobile app

Prepaid Money Account

Additional Fee Schedule

$0

$5

No monthly maintenance fee with a monthly load of at least $50022
  • Eliminate overdraft fees
  • Benefits of a debit card with a prepaid account

Premium rewards

Truist Dimension Checking

Increase your balance, increase your rewards. Truist Dimension Checking has three rewards levels.

Open now a Dimension checking account.
Find a branch
Component ID : "accordionGridLayout-386974356"
Model : "stack"
Position : "left"
$20

Monthly maintenance fee—with plenty of ways to waive3

$50

Minimum opening deposit

Earn interest on your money4

Compare rewards levels

Dimension Core

$0 up to $25,000
Account balance
10%
Credit Card Loyalty Bonus5
$95
Delta SkyMiles Debit Card annual fee6
1
No-fee, non-Truist ATM transaction per statement cycle7
Dimension Select

$25,000 up to $100,000
Account balance
25%
Credit Card Loyalty Bonus5
$75
Delta SkyMiles Debit Card annual fee6
3
No-fee, non-Truist ATM transactions per statement cycle7
Dimension Premier

$100,000+
Account balance
50%
Credit Card Loyalty Bonus5
$25
Delta SkyMiles Debit Card annual fee6
Unlimited
No-fee, non-Truist ATM transactions per statement cycle7

All rewards levels

Benefits for you:

  • Up to four other, fee-free checking accounts.8
  • No monthly maintenance fee for a Truist Savings account.
  • $25 discount on any safe deposit box.9
  • Free money orders and official checks.
Best checking account if you:

  • Want to earn interest on your money.4 
  • Have an average of $3,000 a month in direct deposits or $10,000 monthly average balance in your Truist Checking and Savings Accounts. 
  • Are interested in a Delta SkyMiles Debit Card or a Truist credit card.
Fee information:

Any of these will waive the $20 monthly maintenance fee:

  • Make $3,000 or more in total qualifying direct deposits10 per statement cycle.
  • Maintain a combined total monthly average ledger balance11, 12 of $10,000 or more with Truist related accounts13 across personal deposits and all investments per statement cycle.
  • Have a related personal Truist credit card, mortgage, or consumer loan.14
  • Have a linked Small Business Checking account.15

Want more details? See our account fees and disclosures.

Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus based on their credit card product type, the method by which they redeem, and their deposit relationship(s) at Truist. More information on this rewards bonus option can be found within the Rewards Program Terms and Conditions applicable to the client’s respective credit card; restrictions apply. Truist credit cards are subject to credit approval.

Everyday checking

Truist Bright Checking

Recommended for your everyday needs. Truist Bright Checking offers options to avoid the monthly maintenance fee—and helps you bank on the go.

Open now a Truist Bright checking account.
Find a branch
Component ID : "accordionGridLayout-1045576662"
Model : "stack"
Position : "left"
$12

Monthly maintenance fee with ways to waive16

$50

Minimum opening deposit

No interest earned

Benefits for you:

  • No-fee access to more than 4,000 Truist ATMs.
  • Ways to protect yourself from overdrafts.
  • Digital money management tools.
Best checking account if you:

  • Need an everyday account for everyday needs.
  • Want to get, pay, and file your bills in one place with eBills.
Fee information:

Either of these will waive the $12 monthly maintenance fee:

  • Make $500 or more in total qualifying direct deposits10 per statement cycle.
  • Maintain an average ledger balance17 of $1,500 per statement cycle.

Want more details? See our account fees and disclosures.

Low minimums

Truist Fundamental Checking

A simple, affordable checking account. Truist Fundamental Checking has a low monthly maintenance fee, low opening deposit, and no minimum balance.

Open now a Truist Fundamental checking account.
Find a branch
Component ID : "accordionGridLayout-221993246"
Model : "stack"
Position : "left"
$5

Monthly maintenance fee
($3 in New Jersey)

$50

Minimum opening deposit

No interest earned

Benefits for you:

  • $50 minimum deposit to open.
  • Low $5 monthly maintenance fee ($3 in New Jersey).
  • Ways to protect yourself from overdrafts.
Best checking account if you:

  • Generally have a lower monthly checking balance.
  • Want digital money management tools.
  • Are interested in free educational resources.

Want more details? See our account fees and disclosures.

Student account

Truist Student Checking

No monthly maintenance fee. And the convenience you crave. Student Checking is for people 23 or younger18—it’s a great way to start out.

Open now a Truist Student checking account.
Find a branch
Component ID : "accordionGridLayout-952744101"
Model : "stack"
Position : "left"
$0

Monthly maintenance fee19

$0

Minimum opening deposit

No interest earned

Benefits for you:

  • No minimum deposit to open, no monthly maintenance fee,19 and no direct deposit required.
  • Customizable debit card.
  • No fees transactions at over 3,500 Truist ATMs.
  • Ways to avoid overdrafts. 
Best checking account if you:

  • Are 23 or younger.18
  • Want free access to digital banking and educational resources.
  • Don’t want to worry about account balance minimums and monthly fees.
  • Like digital features like text alerts, mobile deposits, and keeping an eye on your money with an app.

Want more details? See our account fees and disclosures.

Prepaid debit

Truist Money Account Prepaid Debit

No deposit? No bank account? No problem. The Truist Money Account gives you the freedom of a debit card.

Open now a Truist Money prepaid debit account.
Find a branch
Component ID : "accordionGridLayout-326133099"
Model : "stack"
Position : "left"
$5

Monthly maintenance fee

$0

Minimum opening deposit

No interest earned

Benefits for you:

  • No minimum deposit to open and no additional bank account required.
  • Avoid check-cashing fees by setting up direct deposit.
  • Use as a companion to your existing bank account. Digitally transfer funds to—and from—your reloadable card whenever you want.
  • Waive the $5 monthly maintenance fee by loading at least $500 a month.22
  • Earn cash back with deals—personalized select merchant offer discounts that come with your account.23
Best if you:

  • Need to manage a strict budget—for you, or your household.
  • Don’t have a bank account.
  • Want to avoid overdraft fees.
  • Enjoy digital features like text alerts, mobile deposits, and keeping an eye on your money with an app.

Want more details? See our account fees and terms & conditions.

Compare all

Earn Rewards

Dimension Checking

Amount to open: $50

Monthly fee: $20

Ways to waive: Monthly direct deposits10 over $3,000 or $10,000 average ledger balance11, 12 or have a personal Truist credit card, mortgage, or consumer loan14 or have a linked Small Business checking account15

Best if you:

  • Want incentives that grow with your checking account balance
  • Like unique rewards and earning interest4

Everyday Checking

Bright Checking

Amount to open: $50

Monthly fee: $12

Ways to waive: Monthly direct deposits10 over $500 or $1,500 average ledger balance15

Best if you:

  • Want an everyday checking experience
  • Have monthly direct deposits

Everyday Checking

Fundamental Checking

Component ID : "accordionGridLayout-449972861"
Model : "stack"
Position : "left"

Amount to open: $50

Monthly fee: $5 ($3 in New Jersey)

Ways to waive: None

Best if you:

  • Need reliable online checking access and digital money tools
  • Usually have a lower monthly balance

Everyday Checking

Student Checking

Amount to open: $0

Monthly fee: $0

Ways to waive: None

Best if you:

  • Are a student aged 23 or younger18
  • Want a fee-free checking account
  • Like to manage your money with a mobile app

Everyday Checking

Money Account

Amount to open: $0

Monthly fee: $5

Ways to waive: $0 (with a monthly load of at least $500)

Best if you:

  • Eliminate overdraft fees
  • Benefits of a debit card with a prepaid account

Minimum opening deposit Monthly maintenance fee Ways to waive monthly maintenance fee Best if you

Truist Dimension Checking

Terms & Conditions

$50

$20
  • Monthly direct deposits10 over $3,000 or $10,000 average ledger balance11, 12
  • Have a personal Truist credit card, mortgage, or consumer loan14
  • Have a linked Small Business checking account15
  • Want incentives that grow with your checking account balance
  • Like unique rewards and earning interest4

Truist Bright Checking

Terms & Conditions

$50

$12
  • Monthly direct deposits10 over $500
  • $1,500 average ledger balance17
  • Want an everyday checking experience
  • Have monthly direct deposits

Truist Fundamental Checking

Terms & Conditions

$50

$5
($3 in New Jersey)

None
  • Need reliable online checking access and digital money tools
  • Usually have a lower monthly balance

Truist Student Checking

Terms & Conditions

$0

$0

No monthly fee
  • Are a student aged 23 or younger18
  • Want a fee-free checking account
  • Like to manage your money with a mobile app

Prepaid Money Account

Additional Fee Schedule

$0

$5

No monthly maintenance fee with a monthly load of at least $50022
  • Eliminate overdraft fees
  • Benefits of a debit card with a prepaid account

Are you an employee of one of our corporate partners looking for information on Truist Focus Checking?

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Save up for a goal—or just a rainy day.

Pay yourself first.

Savings Accounts

Earn more interest.

Interest rates on savings accounts are typically higher than checking accounts—so you can get what you want faster. 

Prevent overdraft.

Cover yourself and transfer money from your savings account to your checking account to prevent overdrafting—or link your accounts with Overdraft Protection.

See the big picture.

Digital banking makes it easy to see all your accounts, track how you spend and save, and help you create a plan for the future.

Explore options

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First-timer? Or looking to earn more interest? Let’s find what works for you.

Truist Enjoy Cash credit card

Earn unlimited cash back and build credit—all with one card. Sounds like a win-win.