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The Banking Partner of Florida State University

The Truist One Checking account1 has your back. And offers special perks for students.

Open now a Truist student checking account. Branch Locator to open a Truist student checking account.

$0

Monthly maintenance fee waived for students under 25.2

$100

Negative Balance Buffer for eligible clients3

Zero

Zero overdraft fees. None. That’s it.

Truist One Checking is great for students. And wherever life takes you.

No need to switch accounts after graduation. With Truist One Checking, you’re all good. We automatically update your benefits as your account balances4 with us grow over time. Plus you get a special perk as a student—the $12 monthly maintenance fee is waived for students under 25.2

Benefits for you:

Benefits for you:

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  • Move between five different benefit levels as your relationship with Truist4 grows over the years. No need to search for new checking accounts as your needs change. Learn more about how Truist One Checking levels work.
  • After you qualify for the $100 Negative Balance Buffer, you can overdraw up to $100 without triggering a transfer from a linked account or having your transaction declined.3
  • Enjoy the option of a Truist One Savings account with no monthly maintenance fee.1
Best checking account if you:

Best checking account if you:

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  • Are an FSU student who wants a customizable debit card to show off your school pride
  • Want a checking account that will last through all of your years as an FSU alum
  • Enjoy access to digital banking and financial educational
  • Enjoy digital features like text alerts5 , mobile deposits6 , and keeping an eye on your money with an app

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

Share your basic info for account setup.

Share your basic info for account setup.

We’ll need some personal information to get your account started.

Make your first deposit.

Make your first deposit.

Truist One Checking has a $50 minimum opening deposit.

Get started here.

Get started here.

Open now

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Zelle®

Send and receive money with trusted friends, family, and businesses.7

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1 Refer to the Truist One Checking Account Overview Guide (PDF),, the Truist One Savings Account Overview Guide (PDF), and the Personal Deposit Accounts Fee Schedule (PDF) for detailed information regarding each feature, benefit and/or fees listed for each product.

2 Monthly Maintenance Fee: Waiver for a student under the age of 25 requires that they are listed as the primary owner. The waiver is applied automatically at account opening and expires on the 25th birthdate of the student or their stated graduation date, whichever comes later. On this date, the account is subject to all applicable fees, including the Monthly Maintenance Fee unless at least one waiver criterion is satisfied.

3 The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100. All eligibility requirements below must be met to initially qualify for the $100 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

To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:

  • A recurring direct deposit of at least $100 per month

For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

4 Most Truist One checking accounts start in Level 1 upon account opening and can begin increasing levels following the first month. Thereafter, Truist One Checking levels are determined by the balance in your Truist One Portfolio (“Portfolio”). Your Portfolio includes all eligible Truist consumer deposit balances in your checking accounts, savings, Certificates of Deposit, IRAs and/or all investments through Truist Investments Services, Inc. where you are the primary or secondary account owner. For each of your accounts used in the Portfolio, we use the monthly average ledger balance. We then take the sum of all of these accounts to determine the Portfolio balance for the month. Each month, your level is based on the highest Portfolio value of the three previous months. Leveling up can occur on a monthly basis, but leveling down can only occur on a three-month basis. Accounts that are opened with a company ID code through a company sponsored Financial Wellness program start at Level 2; Clients identified as Truist Premier and Wealth start at Level Premier.

5 Mobile deposit is only available through the Truist mobile app. Deposit limits and other restrictions apply. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

6 Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

7 For your protection, Zelle® should only be used to send money to friends, family, other people or businesses you trust. Neither Truist nor Zelle® offers a protection program for payments that you authorize in Zelle®. Enrollment with Zelle® through Truist Online or Mobile banking is required. U.S. checking or savings account required to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. For more information, view the Truist Online and Mobile Banking Agreement, link opens in new tab. Your mobile carrier’s message and data rates may apply. Terms and conditions apply. Learn more at truist.com/digital-banking.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

 

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: