Skip to main content
Truist Homepage
Open Truist One Checking

Checking offer

Get Truist One Checking, earn $400.1

The One account has your back—plus an offer to back it up. Terms apply.

Here’s how to earn $400.1

Open a new Truist One Checking account.

Open a new Truist One Checking account.

Anytime from Jan. 20, 2023 through Apr. 14, 2023.

Complete at least two qualifying direct deposits.<sup><a style="color:#B0E0E2;" href="#disc1" name="disclaimer-sup">1</a></sup>

Complete at least two qualifying direct deposits.1

Deposits need to total $1,000 or more and be made within 90 days of account opening.

Get started here.

Get started here.

Open Truist One Checking

There are so many. But here are the highlights.

Truist One Checking Benefits

No overdraft fees. None. That’s it.

No overdraft fees. None. That’s it.

And no overdraft-related fees,2 either.

$100 Negative Balance Buffer<sup><a href="#disc3" name="disclaimer-sup">3</a></sup> for eligible clients.

$100 Negative Balance Buffer3 for eligible clients.

A little overdrawn? You’re all good.

Get rid of the $12 monthly maintenance fee.

Get rid of the $12 monthly maintenance fee.

There are five different ways to waive4 —buh-bye!

Even more rewards.

Even more rewards.

Get 10%-50% more miles or cash back from Truist credit cards.5

Open Truist One Checking

Want to know the perks? We keep it on the level.

You can move between five different benefit levels, each with its own set of perks. Your level is determined by your total monthly average balance—which includes your Truist personal checking, savings, and investment accounts, and a few others.6

Level 1: $0 - $9,999.997 total monthly average balance

10%

10% more rewards from your Truist credit cards5

$100

$100 Negative Balance Buffer3 for eligible clients

10-pack

10-pack free personal checks 

1

Truist One Savings account with no monthly maintenance fee8

Truist One Checking comes with a personal debit card. You can also request a Delta SkyMiles® Debit Card for a $95 annual fee10 . Plus, enjoy a $25 annual fee discount on any size safe deposit box, subject to availability.

Component ID : "accordionGridLayout-354878868"
Model : "disclaimer"
Position : "center"

You don’t have to take any action to move between levels—just keep banking. But here’s how we set up Truist One Checking to fit you:

  • Most Truist One Checking accounts start at Level 1, but can start increasing levels the very next month.
  • Every month, we’ll review your total monthly average balance in your Truist One Portfolio—which includes your checking accounts, savings, investment, and other accounts.6
  • If the monthly average balance increased over the month to reach a new benefit level, we’ll move you up. 
  • If your balance drops into a lower level for three months in a row, we’ll move you down.

As our relationship grows—so do your benefits.

Level 2 benefits

$10,000-$24,999.997

total monthly average balance

  • 20% loyalty bonus on Truist credit cards5
  • $100 Negative Balance Buffer3 for eligible clients
  • 10-pack free personal checks and a 50% reorder discount
  • 1 no-fee, non-Truist ATM transaction per monthly cycle9
  • 1 Truist One Savings account and 1 additional Truist One Checking account with no monthly maintenance fees8
  • 1 personal debit card or the Delta SkyMiles® Debit Card with an annual fee of $9510
  • $25 Annual Fee Discount on any size deposit box, subject to availability

 

Level 3 benefits

$25,000-$49,999.997

total monthly average balance

  • 30% loyalty bonus on Truist credit cards5
  • $100 Negative Balance Buffer3 for eligible clients
  • 10-pack free personal checks and free reorders
  • 3 no-fee, non-Truist ATM transactions per monthly cycle9
  • 1 Truist One Savings account and 2 additional Truist One Checking accounts with no monthly maintenance fees8
  • 1 personal debit card or the Delta SkyMiles® Debit Card at a discounted annual fee of $7510(normally $95)
  • $25 Annual Fee Discount on any size safe deposit box, subject to availability

 

Level 4 benefits

$50,000-$99,999.997

total monthly average balance

  • 40% loyalty bonus on Truist credit cards5
  • $100 Negative Balance Buffer3 for eligible clients
  • 10-pack free personal checks and free reorders
  • 5 no-fee, non-Truist ATM transactions per monthly cycle9
  • 1 Truist One Savings account and 3 additional Truist One Checking accounts with no monthly maintenance fees8
  • 1 personal debit card or the Delta SkyMiles® Debit Card at a discounted annual fee of $7510 (normally $95)
  • $25 Annual Fee Discount on any size safe deposit box, subject to availability

 

Level Premier benefits

$100,000 +7

total monthly average balance

  • 50% loyalty bonus on Truist credit cards5
  • $100 Negative Balance Buffer3 for eligible clients
  • 10-pack free personal checks and free reorders
  • Unlimited no-fee, non-Truist ATM  transactions per monthly cycle9
  • Monthly maintenance fees waived on all Truist One Checking and Truist One Savings accounts8
  • 1 personal debit card or the Delta SkyMiles® Debit Card at discounted annual fee of $2510(normally $95)
  • $25 Annual Fee Discount on any size safe deposit box, subject to availability

Ready to open a Truist One Checking account?

Open account now
Component ID : "accordionGridLayout-1543363099"
Model : "disclaimer"
Position : "left"

1 Terms and Conditions for the Truist One Checking $400 Offer Q1 2023: CHKQ123TRUIST1

Offer Information: Earn $400 for opening a new Truist One Checking account from 1/20/23 through 4/14/23 and completing at least 2 qualifying Direct Deposits* totaling $1,000 or more within 90 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code CHKQ123TRUIST1. Please refer to the Account Opening and Enrollment section below for instructions.

*A qualifying Direct Deposit is an electronic credit (greater than $0.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another 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 with an existing personal checking account with Truist or who have closed an account with Truist on or after 1/20/22 are not eligible to participate. 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 in a Truist branch in one of the following states or online and have a mailing address in: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited into the new checking account within 4 weeks of verifying the Direct Deposit qualification requirement. Promotion is only applicable once per checking account and per client.  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: The new checking account must remain open and in good standing with a balance ≥$0.01 until the reward is processed in order to receive the reward. Reward forfeiture will occur if: (1) the checking account is changed to an account type not included in this client offer, (2) the checking account is closed prior to the reward being processed, or (3) the new checking account has a negative available balance at the time of qualification validation. 

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 our sole discretion to prohibit a reward payout to non-eligible individuals for any offers claimed through third-party websites with no affiliation or prior authorization from Truist. All promotional payouts will be processed no later than 10/11/23 at which point, no further disbursements will be made.

ACCOUNT OPENING & ENROLLMENT INSTRUCTIONS:

  • To open and enroll your new account in the promotion, visit the offer landing page and start an online application. Enter CHKQ123TRUIST1 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.

OR

  • Visit a Truist branch and ask a representative to enroll you in the Truist One Checking $400 Offer Q1 2023, using Promo Code CHKQ123TRUIST1, when opening your account. 

Version 3 02142023 CHKQ123TRUIST1

2   Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.

3  The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100.

All eligibility requirements below must be met to initially qualify for the $100 Negative Balance Buffer:

  • 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 per month must be made for 2 consecutive months

To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:

  • A recurring direct deposit of at least $100 per month

For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

.4  Refer to the Account Overview Guides and the Personal Deposit Accounts Fee Schedule for detailed information regarding each feature, benefit and/or fees listed for each product.

5 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.

6   Most Truist One checking accounts start in Level 1 upon account opening and can begin increasing levels following the first month. Thereafter, Truist One Checking levels are determined by the balance in your Truist One Portfolio (“Portfolio”). Your Portfolio includes all eligible Truist consumer deposit balances in your checking accounts, savings, Certificates of Deposit, IRAs and/or all investments through Truist Investments Services, Inc. where you are the primary or secondary account owner. For each of your accounts used in the Portfolio, we use the monthly average ledger balance. We then take the sum of all of these accounts to determine the Portfolio balance for the month. Each month, your level is based on the highest Portfolio value of the three previous months. Leveling up can occur on a monthly basis, but leveling down can only occur on a three-month basis.

Accounts that are opened with a company ID code through a company sponsored Financial Wellness program start at Level 2; Clients identified as Truist Premier and Wealth start at Level Premier. The monthly maintenance fee waiver and any other associated benefits can take up to two (2) business days to take effect.

7 Total monthly average ledger balance:

Level 1: $0-$9,999.99
Level 2: $10,000-$24,999.99
Level 3: $25,000-$49,999.99
Level 4: $50,000-$99,999.99
Level Premier: $100,000 and up

8  Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.

9  The non-Truist ATM transaction fee is charged per withdrawal, balance inquiry or transfer when using a non-Truist ATM.

10 The Delta SkyMiles® Debit Card annual fee is charged 45 days after the open date of the card. For Truist One, existing Truist Dimension and existing Signature Advantage Checking accounts, the initial annual fee will be based on the sum of highest monthly average ledger balance of your combined eligible Truist consumer deposit balances on that date. Eligible Truist consumer deposit balances includes all checking, savings, Certificate of Deposit, Individual Retirement Account and/or all consumer investments through Truist Investment Services, Inc. titled in the owner or the co-owners name. Thereafter, for Truist One, existing Truist Dimension and existing Signature Advantage Checking, we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee. Annual fee tiers are defined as follows: a) highest 3 month average ledger balance of less than $25,000 is charged an annual fee of $95 b) highest 3 month average ledger balance of $25,000 and less than $100,000 is charged an annual fee of $75 and c) highest 3 month average ledger balance of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For Truist Wealth and Truist Asset Management Checking account clients, the annual fee will be discounted to $0. For Delta SkyMiles® cards opened before July 15, 2015 and not associated with a Truist One, Truist Dimension Checking or Signature Advantage Checking Account, the annual fee is $95. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date. For more details, please see the Delta SkyMiles® Terms and Conditions.

Disclosures

Truist Bank, Member FDIC. © 2023 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, Inc. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, Inc.

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.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation 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. Deposit products are offered by Truist Bank.

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. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance 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.

  • Limited English Proficiency Support
  • New York City residents

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

Site footer

Footer Navigation

Banking products
About Truist
Resources
Support

© 2023, Truist. All Rights Reserved.