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There’s more for you here. Premier Banking rewards and benefits

Bank your way with bigger benefits. Enjoy real rewards with your accounts. Just what you need as a Premier Banking client.

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We’re here when you need us. Get the conversation going about financial planning, opening new accounts, investing, and so much more.

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Extra banking benefits—just for you.

Truist One Checking with Level Premier (total monthly average balance of $100,000+) gives you automatic benefits, created with care.

  • Unlimited no-fee non-Truist ATM transactions per monthly cycleDisclosure 4
  • Optional Delta SkyMiles® Debit Card with an annual fee of $25 ($70 discount).Disclosure 5
  • $100 Negative Balance BufferDisclosure 6 if you overdraw
  • Check orders: Free first order (10-pack) and free reorders

Premium lending solutions and resources.

  • Interest rate reductions on consumer loans and lines of credit.Disclosure 7
  • Higher loan amounts available to help you achieve your goals with a Truist mortgage.Disclosure 8, Disclosure 9
  • Up to 89.99% financing on principal residences for loans up to $1 million with a Truist mortgage.Disclosure 8, Disclosure 9
  • Expedited loan underwriting, processing and closing.
  • Securities-based lending option that helps you leverage your assets while maintaining your investment strategy.

Financial planning for your future.

A strategy that’s all yours.

All we need to begin your Premier Advisory Client Experience (PACE) is a conversation to understand your goals and identify opportunities.

Get started on your plan today

Smart digital investing with curated tips

Access to market updates and content from experts.Disclosure 10

Truist Investment Services online investing and trading platform.

Access to an extensive library of market intelligence and analysis.

Protect what matters with customized risk management solutions

Work with our dedicated Truist Life insurance risk strategists to protect what you value the most—your family, income, retirement, and more. By using a consultative approach, we provide unparalleled service to explore our full suite of life insurance and related solutions.

  • Review of current policies
  • Risk assessment
  • Asset protection strategies
  • Life, long-term care, and disability insurance Disclosure 11
  • Excess liability coverage assessment Disclosure 12
  • Income protection strategies
  • Healthcare expense considerations
  • Charitable giving
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Disclosure 1 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.

Disclosure 2 Related accounts automatically include all applicable accounts associated with primary and secondary account holders.

Disclosure 3 Intermediary Financial Institutions may deduct additional fees from incoming wires, reducing the amount of the proceeds credited to your account. Fees may vary.

Disclosure 4 $3 per transaction at non-Truist ATMs in the U.S. Per Transaction is defined as Cash Withdrawals, Balance Inquiries or Transfers. All personal DDA and SAV accounts in Texas receive two non-Truist ATM fee waivers per statement cycle and two ATM surcharge rebates not to exceed $3 per rebate.

Disclosure 5 The Delta SkyMiles® Debit Card annual fee is charged 45 days after the open date of the card. For Truist One Checking accounts, the initial annual fee will be based on the sum of highest monthly average ledger balance of your combined eligible Truist consumer deposit balances on that date. Eligible Truist consumer deposit balances include all checking, savings, Certificate of Deposit, Individual Retirement Account and/or all consumer investments through Truist Investment Services, Inc. titled in the owner or the co-owners name. Thereafter, for Truist One we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee. Annual fee levels for Truist One are defined as follows: Level 1 & 2) highest 3-month average ledger balance of less than $25,000 is charged an annual fee of $95; Level 3) highest 3-month average ledger balance of $25,000 and less than $50,000 is charged an annual fee of $75) Level 4) highest 3-month average ledger balance of $50,000 and less than $100,000 is charged an annual fee of $50; Level 5) highest 3-month average ledger balance of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For Truist Wealth and Truist Asset Management Checking account clients, the annual fee will be discounted to $0. For Delta SkyMiles® cards opened before July 15, 2015 and not associated with a Truist Dimension Checking or Signature Advantage Checking Account, the annual fee is $95. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date. For more details, please see the Delta SkyMiles® Terms and Conditions.

Disclosure 6 To initially qualify requirements below must be met 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

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

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

After qualifying, if two months pass without a Direct Deposit of at least $100, you will no longer have access to Negative Balance Buffer. For accounts that qualify for the Negative Balance Buffer and also have Overdraft Protection, Truist will use the Negative Account 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 typically be declined or returned.

Disclosure 7 Interest rate reduction is off the standard rate of a consumer loan or line of credit. For the Truist Equity Line, this interest rate reduction does not apply to the promotional rate advances, Fixed Rate/Fixed Term advances, or during the Repayment Period. All loan and line discount offers are subject to change. Offer for new and refinanced consumer loans and lines of credit, as well as for credit line increases. Premier Banking interest rate reductions are not available on existing consumer loans or lines of credit and may not be applicable for all products. Consult your banker for details.

Disclosure 8 Loan programs and eligibility criteria are subject to change at any time without notice. Contact your loan officer for details.

Disclosure 9 Premier Mortgage requires a minimum of $100,000 in eligible assets after closing. Loans equal to or under $1 million require $150,000 per year in income; loans over $1 million require $250,000 per year in income. This product is not available in some states; please contact your loan officer for details.

Disclosure 10 Offered by Truist Investment Services, Inc.

Disclosure 11 Offered by Truist Life Insurance Services

Disclosure 12 Offered by McGriff Insurance Services, Inc.

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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