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Get extra cash to help avoid overdrafts.

Cash Reserve helps you cover the “uh-ohs” with a cash advance2 into your checking account. And no credit check.3

Sign in to see eligibility

It’s cash on the side if you need it.

Cash Reserve Perks

Pay for the unplanned.

Pay for the unplanned.

Access your available reserve to take care of emergencies.

Open without a credit check.

Open without a credit check.

There’s no credit inquiry3 for opening Cash Reserve.

Prevent overdrafts<sup><a href="#disc4" name="disclaimer-sup">4</a></sup>.

Prevent overdrafts4.

And declined transactions and fees with an advance when your account balance is low.

Get cash fast.

Get cash fast.

The cash you advance is immediately available in your checking account.

How Cash Reserve works

Enroll through online banking.

 

If you're eligible, you'll see Cash Reserve under Accounts and will select Manage my account to complete enrollment.

 

See if you’re eligible.

Make an advance.

 

In online banking, you’ll transfer available Cash Reserve money into your associated checking account. Your cash is immediately available.

Pay it back.

 

Advances are repaid from your associated checking account in four monthly payments4.

Frequently asked questions

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Truist Cash Reserve is an unsecured, revolving line of credit that can help you prevent declined transactions, overdraft fees, and cover emergencies. Once you’re eligible and enrolled, you can get cash immediately from your Cash Reserve account by making an advance. This can be really useful when you have a low account balance and need to cover an upcoming expense.

It’s pretty simple, actually. Within online banking, eligible clients will see the Cash Reserve option under Accounts. (If you’re not eligible, you won’t see this option and will need to check back later for eligibility.) Then you’ll just select Manage my account to complete enrollment.

Once you enroll, you’ll have a line of credit of up to $7505. This is different from overdraft coverage in that money doesn’t automatically move into your checking account. You have to move cash yourself when you want or need it. To do so, simply sign in to online banking and make the advance. You’ll pay back your Cash Reserve in installments over the next four months.

All advances are subject to an annual percentage rate (APR) of 18%. There’s no prepayment or late fee charged. 

No. It’s a revolving line of credit based on your checking account history, not your personal credit. So there’s no credit check with credit bureaus when you open an account. Nice.