See the Personal Deposit Accounts Fee Schedule. at truist.com/checking/dimension-checking-account/disclosures-and-fees for further details.
Paper Statement Fee
There is no charge for a paper statement.
Yes. Interest is calculated and compounded daily on the collected balance and credited to your
account monthly. Fees may reduce earnings. Interest rates are variable and can change at any
time at the bank's discretion.
The interest 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
Statements are provided monthly and may be combined with other deposit accounts.
Charged-Off Account fee
Account closed in overdraft, $30.
Overdraft and Returned Item Fees
Overdraft Item Fee
$36 per item.
Returned Item Fee
$36 per item.
Maximum Number of Overdraft Item and Returned Item Fees Per Day
Six total Overdraft and Returned Item Fees per day.
Negative Account Balance Fee
$36 after seven consecutive calendar days of a negative balance.5
Overdraft Fee Threshold
For transactions under $5, Truist will waive Overdraft and Returned Item Fees.
Overdraft Protection Transfer Fee
As long as you have sufficient funds in your linked account, a $12.50 transfer fee will be charged per day, per linked protected account. Tier 2 (Select) accounts receive one no-fee overdraft transfer and Tier 3 (Premier) accounts receive unlimited no-fee overdraft transfers per statement cycle.
This is an optional service you can add to your account that allows Truist, at its discretion, to authorize and pay transactions on ATM and everyday debit card purchases when there are non- sufficient funds in your account.
Opt out: Your account is automatically opted out of Overdraft Coverage at account opening. By opting out of Overdraft Coverage, Truist will automatically decline all future ATM and everyday debit card transactions that would overdraft your account. Since these transactions will be declined when you have insufficient funds, you will not be charged the Overdraft Item Fee for ATM or one-time debit card transactions.
Opt in: By opting in to Overdraft Coverage, Truist may pay ATM and everyday debit card transactions at the bank’s discretion when your account does not have sufficient funds to cover the transaction.
Your choice to opt in or opt out of Overdraft Coverage does not apply to checks, ACH and recurring debit card transactions. Truist may pay these transactions at our discretion and fees may apply.
This optional service helps you avoid overdraft fees and/or declined transactions by linking your Truist checking or money market account (the “protected” account) to another Truist deposit account, credit card6,
or line of credit6,
(the “protector” account). We will use available funds in your linked account (the “protector” account), to authorize or pay your transactions if there are insufficient funds in your checking or money market account. The amount transferred is the exact amount of the overdraft plus the Overdraft Protection Transfer Fee based on balance availability. See the Overdraft Protection Transfer Fee section above for fees associated with Overdraft Transfers.
If your account has both Overdraft Protection and Overdraft Coverage, Truist will use Overdraft Protection first. If your account has neither, everyday debit card and ATM transactions that exceed the account balance will be declined.
Other Account-Related Fees
No fee for transactions (cash withdrawal, balance inquiries or transfers) at Truist ATMs8
Non-Truist ATMs fees are based on the following tiers:
Tier 1 (Core) – One non-Truist ATM fee waiver and one surcharge rebate9
per statement cycle.
Tier 2 (Select) – Three non-Truist ATM fee waivers and three surcharge rebates9
per statement cycle.
Tier 3 (Premier) – Unlimited non-Truist ATM fee waivers and surcharge rebates9
per statement cycle.
3% International POS & 3% ATM and international assessment per transaction for all tiers
$5 per transaction at non-Truist ATMs outside the U.S.
Returned Deposited Item / Cashed Item Fee
$12.50 per domestic item.
$30 per iternational item plus Foreign Bank Fees.
Stop Payment Fee
Deposit and Withdrawal Processing Policies
Funds are generally available the next business day after the deposit is received.
Transactions are processed each business day (Monday through Friday except federal holidays) during nightly processing and the results are posted to your account.
Check deposits will be posted to your account and available for use after nightly processing unless a hold is placed.
See the Funds Availability Policy in the Bank Services Agreement for account details.
Truist will post items to your account based on your available balance. The available balance can be impacted by pending transactions. Examples of common pending transactions can be found in the Bank Services Agreement.
Once the available balance is determined, prior-day credits and debits will post before current-day credits and debits. Once prior-day credits and debits are determined, if any, transactions will post in order according to the groupings below:
Deposits and credits – All deposits and credits will be posted to the account first. This includes cash, checks deposits and incoming transfers (i.e., direct deposits and wires) received before the cutoff time at the location the deposit or transfer was made.
Bank-initiated transactions – These transactions include corrections and Deposited Item Returned Checks.
Client-initiated withdrawals and debits – Withdrawals/payments that have been previously authorized and cannot be returned unpaid. This category includes: debit card purchases, ATM withdrawals, account transfers and teller-cashed checks. If more than one of these transactions is received for payment from your account, the items are generally sorted and paid based on the date and time of the transaction. For a debit card transaction, if a merchant does not seek authorization from the bank at the time of the transaction, the date the transaction is received for payment from your account will be used.
Client-initiated withdrawals and debits such as ACH (automated payments) – Transactions such as bills that are paid by authorizing a third party to withdraw funds directly from your account. If there is more than one of these types of transactions, they will be sorted by the date and time that they are received. Multiple transactions that have the same time will be sorted and paid from lowest to highest serial number.
Client-initiated checks – Checks will be posted and sorted in sequential order.
Bank fees – Fees, such as the Monthly Maintenance Fee, will post to your account last. Please note that some fees will be posted to your account at the time they are incurred and others, like maintenance fees, will post last.