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Truist Financial Wellness
Level up your personal finances.

Enjoy access to Level 2 of our Truist One Checking account and other tools to help you feel better about your finances.

Truist One Checking

Enter Financial Wellness code to get started.

You’ll find this in an email, flyer or other communications.

Program features
Benefits designed with you in mind.

Level-up with Truist One Checking.

Truist Financial Wellness participants automatically start with Level 2 benefits.

Feel financially empowered.

Adjust your mind-money mindset with online courses.

Earn rewards.

Get something for your spending with credit card purchases.

Take control.

With mobile and online banking, you can bank when it’s convenient for you.

Truist One Checking

With Truist One you never have to wonder if you’re getting the most from your checking account. As your needs—and total relationship balance—change, we automatically move you to the benefit level that gives you the best bang for your bucks. And as a Truist Financial Wellness participant, you automatically start at Level 2.

Learn more about Truist One Checking about Truist One Checking.

$50

Minimum opening deposit

No

Overdraft fees

$100

Negative balance buffer1

Additional information about Truist One Checking

Benefits for you:

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  • 20% loyalty bonus on Truist credit cards2
  • 10 free personal checks and a 50% reorder discount
  • 1 fee-free transaction at a non-Truist ATM
  • Truist One Savings account and one additional Truist checking account with no monthly maintenance fee

How Truist One benefit levels work:

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You’ll never have to do anything to move between levels—just keep banking. But here’s how we set up Truist One Checking to fit you:

  • Every month, we’ll review your average monthly balance in your Truist One Checking account, and other accounts at Truist like CDs, personal IRAs, savings, money market, and other personal checking accounts.
  • If the 30-day average total of your 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.

Fee information:

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Maintaining any of these will waive the $12 monthly maintenance fee:

  • $500 in total monthly direct deposits3
  • Maintaining a combined total monthly average ledger balance of $500 or more in any Truist related accounts across personal deposits and all investments as reflected on the business day before your statement cycle end date
  • A linked Truist credit card, small business checking account, mortgage, or loan

Get more details about Truist One Checking and the rest of the levels.

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1 All eligibility requirements below must be met to qualify for the 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

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

The Negative Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. Initial and ongoing eligibility requirements apply. If the Negative Balance Buffer is not available (and the account does not have Overdraft Protection), transactions that exceed the account balance will be declined or returned.

2 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.

3 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.

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, LLC., 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, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.

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:

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