Truist One® Checking account^{Disclosure 1}

Nope. None. And no overdraft related fees^{Disclosure 2} either.

There are several ways to have the monthly maintenance fee waived. It only takes ONE of the following to qualify:

• The primary account owner is under age 25^{Disclosure 9} or age 62 and older OR
• There are $500 or more in total qualifying direct deposits per statement cycle^{Disclosure 5} OR
• Maintain a total combined ledger balance of $500 or more in your Truist related accounts.^{Disclosure 6} OR
• Have a personal Truist credit card, mortgage or consumer loan, including LightStream® OR
• Have a linked small business checking account^{Disclosure 7} OR
• The primary account owner is a student^{Disclosure 8}

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 with 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.

Truist Bank is an FDIC member. This means your money is FDIC insured up to the amount allowable by law.

Yes. And your debit card comes with cash back deals.^{Disclosure 4} Learn more on our bank debit cards page.