Truist One Checking Benefits

There’s so many. But here are the highlights.

No overdraft fees. No matter what.

And no overdraft related fees,2 either.

$100 Negative Balance Buffer1

A little overdrawn? You’re all good.

Get rid of the $12 monthly maintenance fee.

There’s five different ways to waive3—buh-bye!

Even more rewards.

Get 10%-50% more miles or cash back from Truist credit cards.4

Truist One Levels

One account for the long haul.

With Truist One Checking, you never have to worry if you’re getting the most bang for your bucks. You’re automatically placed in one of five benefit levels,5 each with their own set of perks. Your level placement is reviewed monthly and determined by your total monthly average balance with Truist in your personal checking, savings, and investment accounts—plus a few others.

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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 to fit you:

  • All Truist One Checking accounts start at Level 1, but can start increase levels the very next month.
  • Every month, we’ll review your total average monthly balance in your Truist One Portfolio—which includes your checking accounts, savings, investment, and other accounts.5
  • If the 30-day total of your average balances 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-$24,999.996

total monthly average balance

Extra benefits include:

  • 20% loyalty bonus on Truist credit cards4
  • $100 Negative Balance Buffer1
  • 10-pack of free personal checks and a 50% reorder discount
  • 1 no-fee, non-Truist ATM transaction per monthly cycle8
  • 1 Truist One Savings account and 1 additional Truist One Checking account with no monthly maintenance fee

Want more information? See our account fees and disclosures.

Level 3 benefits

$25,000-$49,999.996

total monthly average balance

Extra benefits include:

  • 30% loyalty bonus on Truist credit cards4
  • $100 Negative Balance Buffer1
  • 10-pack of free personal checks and free reorders
  • 3 no-fee, non-Truist ATM transactions per monthly cycle8
  • 1 Truist One Savings account and 2 additional Truist One Checking accounts with no monthly maintenance fees

Want more information? See our account fees and disclosures.

Level 4 benefits

$50,000-$99,999.996

total monthly average balance

Extra benefits include:

  • 40% loyalty bonus on Truist credit cards4
  • $100 Negative Balance Buffer1
  • 10-pack of free personal checks and free reorders
  • 5 no-fee, non-Truist ATM transactions per monthly cycle8
  • 1 Truist One Savings account and 3 additional Truist One Checking accounts with no monthly maintenance fees

Want more information? See our account fees and disclosures.

Level Premier benefits

$100,000 +6

total monthly average balance

Extra benefits include:

  • 50% loyalty bonus on Truist credit cards4
  • $100 Negative Balance Buffer1
  • 10-pack of free personal checks and free reorders
  • Unlimited no-fee transactions at non-Truist ATMs
  • Monthly maintenance fees waived on all Truist Checking and Truist One Savings accounts

Want more information? See our account fees and disclosures.

Ready to open your Truist One Checking account? It’s so simple.