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Checking offer

Earn $500

after you open a new eligible checking account and complete qualifying activities.Disclosure †

Open Truist One Checking View all eligible accounts

How to get started:

step one
Open a new Truist Checking account.

Must be a new Truist personal checking client, and open a new Truist One® Checking account or Truist Marquee℠ Checking account from 7/14/26 through 2/2/27 using promo code {{offerPromoCode}}.

step two
Complete qualifying activities.

Receive at least 2 qualifying direct deposits* totaling $2,000 or more AND complete at least 20 qualifying debit card purchases** within 120 days of account opening. All required transactions must post to your account within 120 days to qualify.

step three
Earn $500.†

The reward will be deposited to the new checking account within 10 business days after the qualification requirements have been met and verified. The new checking account must be open, not restricted, and have a balance of at least $0.01.

Eligible checking accounts

Truist One CheckingTC*

Everyday banking essentials built for real life, with the flexibility you want and extras that grow with your balance.

Account details
  • $50 minimum opening deposit
  • $12 monthly maintenance fee
    Yes, there are options to waive the monthly maintenance fee.TC†
  • No overdraft feesTC‡
  • Earn cash back on Truist debit card purchases with Truist Deals.TC§
  • Balance Buffer for eligible clientsTC||
Open Truist One Checking

Truist Marquee CheckingTQ*

Our premium checking account recommended for clients with a total combined ledger balanceTQ† of at least $250,000.

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  • $100 minimum opening deposit
  • $35 monthly maintenance fee
    Yes, there are options to waive the monthly maintenance fee.TQ‡
  • No overdraft feesTQ§
  • Earn cash back on Truist debit card purchases with Truist Deals.TQ‖
  • Earn interestTQ¶
Open Truist Marquee Checking
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Frequently asked questions

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The reward will be deposited to the new checking account within 10 business days after the qualification requirements have been met and verified. The new checking account must be open, not restricted, and have a balance of at least $0.01.

Open now a Truist Checking account or in a branch.

You can bring your unique promo code to open an account at a local Truist branch. Or, you can open online by selecting "Open now" and then entering your unique promo code when prompted.

You are not eligible to participate if you are currently the primary account holder on an existing personal checking account with Truist or have closed a personal checking account with Truist on or after July 14, 2025.

There are several ways to have the monthly maintenance fee waivedfootnoteTC†. It only takes ONE of the following to qualify:

  • The primary account owner is under age 25 or age 62 and older OR
  • There are $500 or more in total qualifying direct deposits per statement cycle OR
  • Maintain a total combined ledger balance of $500 or more in your Truist related accounts OR
  • Have a personal Truist credit card, mortgage or consumer loan, including LightStream® OR
  • Have a linked small business checking account OR
  • The primary account owner is a student

There are a couple of ways to have the monthly maintenance fee waived. It only takes ONE of the following to qualify:

  • Maintain a total combined ledger balance of $250,000 or more in your Truist related accountsfootnoteTQ‡
OR
  • Meet Truist Wealth relationship requirementsfootnoteTQ‡

A qualifying direct deposit is an electronic credit deposited through ACH into your account during the current statement cycle. Deposits can be made by an employer or government agency directly into your account, such as a paycheck or benefit payment.footnoteTC¶

Our automatic direct deposit setup makes moving your money into your new account seamless.

Truist Bank is an FDIC member. This means your money is FDIC insured up to the amount allowable by law.

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†Terms and Conditions: Truist Checking $500 Offer:

Offer Information:

Open a new Truist One Checking account or Truist Marquee Checking account online, in a branch or by phone from 7/14/26 through 2/2/27 and earn $500 after you complete the following qualifying activities within 120 days of the account opening (the day after your account is opened is considered day 1). All required transactions for qualifying activities must post to the enrolled account within the 120-day qualification period.

  • Receive at least two qualifying direct deposits* totaling $2,000 or more, AND
  • Complete at least 20 qualifying debit card purchases**

Enrollment in the promotion is required (see Enrollment Instructions). A valid promo code must be applied at account opening to enroll in the promotion and cannot be added after the account is opened. Promo codes are single-use only, should not be shared, and once redeemed, the promo code will no longer be valid.

*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person-to-person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 7/14/25 are not eligible to participate. Offer valid for Truist One Checking accounts and Truist Marquee Checking accounts only. The new checking account cannot be changed to an account type not included in this client offer. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer is available only to U.S. residents with a valid U.S. taxpayer identification number. The client must have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 10 business days after the qualification requirements have been met. The Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. Reward forfeiture will occur if at the time of attempted payout the new checking account: (1) has a $0.00 or negative current balance or (2) is restricted or closed. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account.

Other Terms: The minimum opening deposit for Truist One Checking is $50. The minimum opening deposit for Truist Marquee Checking is $100. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. For Truist Marquee Checking, the Annual Percentage Yield (APY) is 0.01% for all balances $0.01 and above. The APY is accurate as of 7/14/26 and subject to change at any time, including after account opening. Fees may reduce earnings. All standard account terms and conditions apply.

Account Opening & Enrollment Instructions: Online: A valid promo code must be entered in the promo code field during account opening and the offer must be accepted when presented. By Phone or In Person: Request enrollment in the promotion using a valid promo code during account opening. Once enrolled in the promotion, progress updates are available through Truist Online and Mobile Banking or by calling 800-423-0948.

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

TC† The Monthly Maintenance Fee can be waived for the Truist One Checking account for each statement cycle by:

  • Make $500 or more in total qualifying Direct Deposits per statement cycle. 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 at a branch, ATM, by online transfer, mobile device, debit card/prepaid card number, or mail are not eligible to meet this requirement. OR
  • Maintain a total combined ledger balance of $500 or more in your Truist related accounts. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA) and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. OR
  • Have a related Truist personal credit card, mortgage, or consumer loan including LightStream®. OR
  • Have a linked Small Business Checking account. Eligible Small Business account types to be linked include: Truist Dynamic Business Checking, Business Interest Checking, Simple Business Checking and Business Value 200. OR
  • Primary client is a student. The waiver expires on the anticipated graduation date provided by the client. OR
  • Primary client is under the age of 25 or age 62 and older. For clients under the age of 25, the waiver expires on the 25th birthday of the primary account owner.

TC‡ Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.

TC§ For complete details, refer to the Truist Deals Terms and Conditions. There is no monthly fee and no charge for enrolling in Truist Deals. Truist Personal Credit Cards and Personal and Business Debit Cards are eligible for Truist Deals. The Truist Deals Program is separate and independent from any Truist Consumer Credit Card Rewards Program in which you are enrolled related to your Truist Consumer Credit Card Account(s). Any cash back earned through the Truist Deals Program is not eligible for any deposit bonus or other incentives that may be available when you redeem your Truist Consumer Credit Card Rewards. Deals offered through the Truist Deals Program are available apart from any rewards you may earn through any Truist Consumer Credit Card Rewards Program and will not accrue in your Truist Consumer Credit Card Rewards Program account.

TC‖ The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies.

To INITIALLY QUALIFY for the Balance Buffer, the requirements below must be met:
 

  • Account must be opened for a minimum of 35 calendar days
  • Account must be funded with a positive balance
  • A single direct deposit of at least $100 made within the last 35 calendar days
     

To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met:
 

  • A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.
     

For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.
 

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

TC¶ 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.

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

TQ† Total combined ledger balance: The sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA) and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance. Related accounts automatically include all applicable accounts associated with primary and secondary account owners.

TQ‡ The Monthly Maintenance Fee can be waived for the Truist Marquee Checking account for each statement cycle by:

  • Maintain a total combined ledger balance of $250,000 or more in your Truist related accounts. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA), Trust Department Investment Management Accounts, Revocable Trust Accounts and IRAs, and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. OR
  • Meet Truist Wealth relationship requirements of $1,000,000 of personal qualified investment assets at Truist or qualifications under Specialty Wealth Medical, Legal, Sports & Entertainment, or International criteria.

TQ§ Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.

TQ‖ For complete details, refer to the Truist Deals Terms and Conditions. There is no monthly fee and no charge for enrolling in Truist Deals. Truist Personal Credit Cards and Personal and Business Debit Cards are eligible for Truist Deals. The Truist Deals Program is separate and independent from any Truist Consumer Credit Card Rewards Program in which you are enrolled related to your Truist Consumer Credit Card Account(s). Any cash back earned through the Truist Deals Program is not eligible for any deposit bonus or other incentives that may be available when you redeem your Truist Consumer Credit Card Rewards. Deals offered through the Truist Deals Program are available apart from any rewards you may earn through any Truist Consumer Credit Card Rewards Program and will not accrue in your Truist Consumer Credit Card Rewards Program account.

TQ¶ Interest is calculated and compounded daily on the collected balance and credited to your account monthly. All interest rates have a corresponding Annual Percentage Yield (APY). Rates are based on the following ledger balance tiers: Tier 1 – $4,999.99 or less; Tier 2 – $5,000 to $24,999.99; Tier 3 – $25,000 to $99,999.99; Tier 4 – $100,000 and greater. APY is currently 0.01% for Tiers 1-6. APY is accurate as of 7/14/26 and is subject to change without notice at any time, including after the account is opened. Fees may reduce earnings.

Disclosures

Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

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Investment and Insurance Products:

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  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

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"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.

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. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support 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.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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