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Earn bonus cash Get all the benefits of a Truist checking account—plus $300.

The best way to enjoy a new Truist checking account? By qualifying for a cash bonus in two easy steps. Terms apply.

Let’s go to cash bonus.

How to qualify for a $300† cash bonus:

1. Open an eligible* Truist checking account—we have three great options.
2. Receive at least two qualifying Direct Deposits** totaling $500 or more  within 90 days of account opening.

After we verify your direct deposits, we’ll drop $300 into that account within four weeks. You earned it.

This offer is good until July 14, 2022, so let’s get started. Terms apply.

Find your fit—here.

Personal Checking Accounts

Truist Dimension Checking

Premium rewards

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

Open now for a Dimension checking account.
Find a branch
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$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 Bonus
$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 Bonus
$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 Bonus
$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, 17 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

Everyday 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
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$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

Low minimums

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-1744331847"
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$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.

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, 12,17 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 balance17

Best if you:

  • Want an everyday checking experience
  • Have monthly direct deposits

Everyday Checking

Fundamental Checking

Component ID : "accordionGridLayout-950484264"
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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

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

Truist Dimension Checking

$50

$20
  • Monthly direct deposits10 over $3,000 or $10,000 average ledger balance11, 12, 17
  • 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

$50

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

Truist Fundamental Checking

$50

$5
($3 in New Jersey)

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

Want more details? See our account fees and disclosures for Dimension Checking, Bright Checking, and Fundamental Checking.

Dimension Checking

Truist Dimension Checking

Premium rewards

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

Open now for a Dimension checking account.
Find a branch
Component ID : "accordionGridLayout-1579350737"
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 Bonus
$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 Bonus
$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 Bonus
$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, 17 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.

Bright Checking

Truist Bright Checking

Everyday 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-920748431"
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.

Fundamental Checking

Truist Fundamental Checking

Low minimums

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-1744331847"
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.

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, 12,17 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 balance17

Best if you:

  • Want an everyday checking experience
  • Have monthly direct deposits

Everyday Checking

Fundamental Checking

Component ID : "accordionGridLayout-950484264"
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

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

Truist Dimension Checking

$50

$20
  • Monthly direct deposits10 over $3,000 or $10,000 average ledger balance11, 12, 17
  • 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

$50

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

Truist Fundamental Checking

$50

$5
($3 in New Jersey)

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

Want more details? See our account fees and disclosures for Dimension Checking, Bright Checking, and Fundamental Checking.

Personal checking and savings features

Get what you need with your account.

More convenience—more access

Over 3,500 Truist ATMS at your service.

Move money fast with Zelle®

Send and receive money in minutes.1

Deposit checks ASAP.

Skip the trip with mobile check deposit.2

Control your debit card.

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

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†Terms and Conditions for the Checking Offer Q2 2022: CHECKINGQ222:

Offer Information: Earn $300 for opening a new eligible* personal Truist checking account from 5/2/22 through 7/14/22 and receiving at least 2 qualifying Direct Deposits** totaling $500 or more within 90 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code CHECKINGQ222. Please refer to the Account Opening and Enrollment section below for instructions.

*Eligible products are limited to new Truist Dimension, Truist Bright, or Truist Fundamental checking accounts.

**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 or who have closed a personal checking account on or after 5/2/21 with BB&T or SunTrust now Truist, and/or Truist are not eligible. Account holder must be 18 or older at the time of account opening. Truist employees 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: Any account not in good standing, closed, or with a balance <$0 at the time of qualification review will not receive a reward.

Other Terms: Minimum opening deposit for Truist Bright Checking, Truist Dimension Checking, and Truist Fundamental Checking 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. All promotional payouts will be processed no later than 1/15/23 at which point, no further disbursements will be made. For Truist Dimension Checking, the Annual Percentage Yield (APY) is currently 0.01% for all tiers in the fee schedule and the minimum account balance to obtain APY is $0.01. The APYs are accurate as of 5/2/22, and subject to change at any time, including after account opening. Fees may reduce earnings.

ACCOUNT OPENING & ENROLLMENT INSTRUCTIONS:

  • To open and enroll your new account in the promotion, visit the offer landing page, choose your account and start an online application. Enter CHECKINGQ222 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 “Checking Offer Q2 2022”, using Promo Code CHECKINGQ222, when opening your account.

Version 1 20220321 CHECKINGQ222

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

2 Mobile deposit limits apply. See your Truist app or your Truist Online Banking account for your limit.

3 How to waive the Truist Dimension Checking $20 monthly maintenance fee:

  • Make $3,000 or more in total qualifying direct deposits per statement cycle or
  • Maintain a combined total monthly average ledger balance of $10,000 or more with Truist related accounts17  across personal deposits and all investments per statement cycle or
  • Have a related personal Truist credit card, mortgage or consumer loan or
  • Have a linked Small Business Checking account

4 Minimum opening deposit is $50. The Interest Tier earned is based on the following ledger balance tiers: Tier 1 – $0.01 to $2,499.99; Tier 2 – $2,500 to $9,999.99; Tier 3 – $10,000 to $24,999.99; Tier 4 – $25,000 to $49,999.99; Tier 5 – $50,000 to $99,999.99; Tier 6 – $100,000 and greater. For Dimension Checking, the Annual Percentage Yield (APY) is currently 0.01% for Tiers 1–6, and the minimum account balance to obtain APY is $0.01. Rates may change at any time, including after the account is opened. Fees may reduce earnings. Please see fee information in the Personal Deposit Accounts Fee Schedule. Interest is calculated and compounded daily on the collected balance and credited to your account monthly.

6 The Delta SkyMiles® Debit Card Annual Fee is charged 45 days after the open date of the card. For Truist Dimension 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 investments through Truist Investment Services, Inc. titled in the owner or the co-owners name. Thereafter, for Truist Dimension and Signature Advantage Checking (no longer offered), 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 at least $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 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.

7 One Truist fee assessed for transactions done at non-Truist ATMs is waived and one ATM surcharge fee will be refunded for Dimension Core accounts per statement cycle. Up to three Truist fees assessed for transactions done at non-Truist ATMs are waived and three ATM surcharge fees will be refunded for Dimension Select accounts per statement cycle. Unlimited Truist fees assessed for transactions done at non-Truist ATMs are waived and unlimited ATM surcharge fees will be refunded for Dimension Premier accounts per statement cycle.

8 Up to four additional fee-free checking accounts are available with no monthly maintenance fee when linked to a Dimension Checking account.

9 Dimension Checking clients are eligible to receive a $25 discount on the annual rental fee of any size safe deposit box. Boxes and box size are subject to availability.

10 Direct deposit: A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.

11 The sum of the monthly average balances in linked Truist deposit accounts (checking, savings, money market, CDs/IRAs).

12 Balances from investments or brokerage accounts introduced through Truist Investment Services, Inc. are reflected on the last day of the statement cycle.

13 Related accounts: Accounts are automatically related based on the primary and secondary owners of the account

14 Related personal Truist credit card, mortgage, or loan: Must be a related Truist personal credit card, personal mortgage, or consumer loan (including LightStream®).

15 Linked Small Business Checking Account: Eligible Small Business account types to be linked include, Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and Business Value 200.

16 How to waive the Truist Bright Checking $12 monthly maintenance fee:

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

17 Ledger balance: The actual balance in your account on a specific day, and does not reflect any holds or pending transactions.

 

 [D1]Update with this version #

Truist Bank, Member FDIC. © 2022 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.

Limited English Proficiency Support: 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:

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