There are so many. But here are the highlights.

Truist One Checking Benefits

No overdraft fees. None. That’s it.

And no overdraft-related fees,2 either.

$100 Negative Balance Buffer3 for eligible clients

A little overdrawn? You’re all good.

Get rid of the $12 monthly maintenance fee.

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

Even more rewards.

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

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

You can move between five different benefit levels, each with their 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

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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 fee8

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

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

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

Ready to open a Truist One Checking account?