Explore Truist One® CheckingDisclosure 1 benefits

Banking for everyday life with built-in extras that grow with you.

With Truist One Checking, all of your eligible Truist account balancesDisclosure 2 work together. As they grow, your account automatically upgradesDisclosure 3 —unlocking even greater rewards and benefits.

Truist One Checking account features

No overdraft feesDisclosure 4

 

Ways to waive the monthly maintenance feeDisclosure 5

Cash back on debit card purchases with Truist Deals®Disclosure 6

FDIC insured

How do Truist One benefit levels work?

Levels upgrade automatically

Truist One Checking has five benefit levels that automatically upgrade as your combined monthly average balanceDisclosure 2 grows.

Every eligible balance counts

Your level depends on the combined balance across ALL eligible Truist accounts.Disclosure 2

Select a level to learn more.

Level 1 benefits

$0 - $9,999.99 in combined monthly average balanceDisclosure 2

Free personal debit card

You can also customize your card from a variety of images or upload your own.Disclosure 7

10% Loyalty Bonus on eligible credit cardsDisclosure 8

tooltipLoyalty Bonus
Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus. This is based on their credit card product type and method used to redeem. Your combined monthly average balance determines your bonus level. Not all Truist credit cards are eligible. See important disclosures below.

Free first order 10-pack checks
1 Truist One Savings account

With no monthly maintenance fee.Disclosure 9

Level 2 benefits

$10,000 - $24,999.99 in combined monthly average balanceDisclosure 2

Free personal debit card

You can also customize your card from a variety of images or upload your own.Disclosure 7
20% Loyalty Bonus on eligible credit cardsDisclosure 8

tooltip Loyalty Bonus
Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus. This is based on their credit card product type and method used to redeem. Your combined monthly average balance determines your bonus level. Not all Truist credit cards are eligible. See important disclosures below.

Free first order 10-pack checks and 50% off reorders

1 Non-Truist Domestic ATM Fee waiver per monthly cycleDisclosure 10

1 Truist One Savings account

With no monthly maintenance fee.Disclosure 9

1 additional Truist One Checking account

With no monthly maintenance fee.Disclosure 9

Level 3 benefits

$25,000 - $49,999.99 in combined monthly average balanceDisclosure 2

Free personal debit card

You can also customize your card from a variety of images or upload your own.Disclosure 7
30% Loyalty Bonus on eligible credit cardsDisclosure 8

tooltip Loyalty Bonus
Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus. This is based on their credit card product type and method used to redeem. Your combined monthly average balance determines your bonus level. Not all Truist credit cards are eligible. See important disclosures below.

Free first order 10-pack checks and free reorders

3 Non-Truist Domestic ATM Fee waivers per monthly cycleDisclosure 10
1 Truist One Savings account

With no monthly maintenance fee.Disclosure 9

2 additional Truist One Checking accounts

With no monthly maintenance fee.Disclosure 9

Level 4 benefits

$50,000 - $99,999.99 in combined monthly average balanceDisclosure 2

Free personal debit card

You can also customize your card from a variety of images or upload your own.Disclosure 7
40% Loyalty Bonus on eligible credit cardsDisclosure 8

tooltip Loyalty Bonus
Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus. This is based on their credit card product type and method used to redeem. Your combined monthly average balance determines your bonus level. Not all Truist credit cards are eligible. See important disclosures below.

Free first order 10-pack checks and free reorders

5 Non-Truist Domestic ATM Fee waivers per monthly cycleDisclosure 10

1 Truist One Savings account

With no monthly maintenance fee.Disclosure 9

3 additional Truist One Checking accounts

With no monthly maintenance fee.Disclosure 9

Premier benefits

$100,000+ in combined monthly average balanceDisclosure 2

Free personal debit card

You can also customize your card from a variety of images or upload your own.Disclosure 7
50% Loyalty Bonus on eligible credit cardsDisclosure 8

tooltip Loyalty Bonus
Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus. This is based on their credit card product type and method used to redeem. Your combined monthly average balance determines your bonus level. Not all Truist credit cards are eligible. See important disclosures below.

Free first order 10-pack checks and free reorders

Unlimited Non-Truist Domestic ATM Fee waiversDisclosure 10

Unlimited Truist One Savings accounts

With no monthly maintenance fee.Disclosure 9

Unlimited Truist One Checking accounts

With no monthly maintenance fee.Disclosure 9

Ready to get started?

Open a Truist One Checking account.

What you'll need:
  • Personal and contact information, including your Social Security Number
  • $50 minimum opening deposit
Open now to get started with a Truist One Checking account. Truist One Checking fees & disclosures

Increased balances can help unlock Truist One Checking benefits.

Best fit for everyday banking

Truist One Checking + Truist One® Savings

  • Automatically waive Truist One Savings' $5 monthly maintenance fee.Disclosure 9
  • When your account balances grow, so can your Truist One Checking level benefits.Disclosure 3
Truist One Savings rates, fees & disclosures

Best fit for super savers Truist One Checking + Truist One® Money Market Account

  • Waive the $12 monthly maintenance fee with a $15,000 minimum daily ledger balance.Disclosure 11
  • When your account balances grow, so can your Truist One Checking level benefits.Disclosure 3
Truist One Money Market Account rates, fees & disclosures

You can choose to add a Truist One Savings or Truist One Money Market Account during your Truist One Checking application.

Get started now with a Truist One Checking account.

Get the most out of Truist One Checking.

Alt text Image

Earn cash back on your purchasesDisclosure 6 with Truist Deals.

Get a statement credit or cash back when you use your eligible Truist credit or debit card at participating retailers.

Alt text Image

Earn a 10-50% Credit Card Loyalty Bonus.

As your benefit levels grow with Truist One Checking, so does your credit card loyalty bonus based on eligible Truist credit card and reward redemption method.Disclosure 8 Pick the credit card rewards you actually want—cash back, miles, and points.

Got questions about Truist One Checking benefits?

We have answers.

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With the Truist Enjoy Cash (including Secured), Truist Enjoy Travel, Truist Enjoy Beyond, Truist Cash Rewards, Truist Prime Rewards, Truist Travel Rewards, Truist Platinum Elite Rewards, and Truist Legacy Cash Rewards, you can qualify for a loyalty bonus.

Earn an additional 10-50% loyalty cash bonus based on your Truist deposit relationship and rewards redemption method.Disclosure 8

Your account can be upgraded on a monthly basis, based on your combined average balance across all eligible Truist accounts.Disclosure 2

Truist One Checking levels are determined by the balance in your Truist One 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. As your balances increase, you can unlock extras in your Truist One Checking account.

The deals program allows eligible Truist debit and credit card clients to earn a statement credit or cash back when they use their cards at retailers participating in the Program.Disclosure 6

To start:

  1. Sign in to online banking
  2. Go to More
  3. Select Rewards & Deals
  4. Choose View Deals

From there, you can check out all the available deal options. Select the deals you want, and they’ll be automatically added to your card.

For more information, go to www.truist.com/credit-cards/deals.

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

Disclosure 2 This 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 combined Portfolio balance for the month. Each month, your level is based on the highest combined Portfolio value of the three previous months.

Disclosure 3 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 Teammates, Premier clients, and Wealth clients start at Level Premier. The monthly maintenance fee waiver and any other associated benefits can take up to two (2) business days to take effect. NOTE: Truist Dynamic Business Checking linkage will be checked on the 2nd business day of the month when levels are calculated. If clients have a linked Dynamic Business Checking account, they will be granted Level Premier.

Disclosure 4 Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.

Disclosure 5 The MMF 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. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. ‡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. 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.

Disclosure 6 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.

Disclosure 7 Personalizing a debit card is free to new Truist personal debit cardholders, as well as existing Truist personal debit cardholders. For existing debit cardholders, personalizing a card will generate a new debit card number. The personalized card will replace the cardholder’s existing standard debit card.

See our full card personalization disclosure (PDF) and image upload terms of service (PDF) for more details.

Disclosure 8 10%-50% credit card Loyalty Bonuses

Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus. This is based on their credit card product type and method used to redeem. Your combined monthly average balance determines your bonus level.

Loyalty Cash Bonus

You will receive a 10% Loyalty Cash Bonus added to your cash redemption amount when you electronically deposit your Rewards redemption into your eligible Truist personal checking, personal savings, or personal money market account.

If you have a Truist Dimension Checking account or Signature Advantage Checking account and also electronically deposit your Cash Rewards redemption into your eligible Truist personal checking, personal savings, or personal money market account, you may receive either a 25% or 50% Loyalty Cash Bonus added to your cash redemption amount (based on your banking relationships at Truist as described below); if applicable, this 25% or 50% Loyalty Cash Bonus would replace the 10% Loyalty Cash Bonus described above.

If you have a Truist One Checking account and also electronically deposit your Cash Rewards redemption into your eligible Truist personal checking, personal savings, or personal money market account, you may receive either a 20%, 30%, 40% or 50% Loyalty Cash Bonus added to your cash redemption amount; if applicable, this 20%, 30%, 40% or 50% Loyalty Cash Bonus would replace the 10% Loyalty Cash Bonus described above.

We determine and award your Loyalty Cash Bonus at the same time as your cash back redemption. For Truist Dimension Checking account, Signature Advantage Checking account, and Truist One Checking account clients, we perform a calculation for each of the prior three (3) calendar months (“monthly review”); for each monthly review, this calculation determines the highest average monthly balance of your combined eligible consumer deposit and investment balances. We will use the highest average monthly balance amongst those three (3) monthly reviews to assign your Loyalty Cash Bonus percentage as follows:

Truist Dimension Checking account or Signature Advantage Checking account clients:

  • 50% Loyalty Cash Bonus if combined eligible consumer balances are $100,000 or greater
  • 25% Loyalty Cash Bonus if combined eligible consumer balances are between $25,000 and $99,999.99
  • 10% Loyalty Cash Bonus if combined eligible consumer balances are less than $25,000

Truist One Checking account clients:

  • 50% Loyalty Cash Bonus if combined eligible consumer balances are $100,000 or greater
  • 40% Loyalty Cash Bonus if combined eligible consumer balances are between $50,000 and $99,999.99
  • 30% Loyalty Cash Bonus if combined eligible consumer balances are between $25,000 and $49,999.99
  • 20% Loyalty Cash Bonus if combined eligible consumer balances are between $10,000 and $24,999.99
  • 10% Loyalty Cash Bonus if combined eligible consumer balances are less than $10,000

For the purposes of this Loyalty Cash Bonus, your deposit/investment relationship will be determined as of the last day of the month preceding redemption. However, we reserve the right to take up to five (5) business days to determine or update your deposit/investment relationship for each monthly review. The eligible Loyalty Cash Bonus percentage will be adjusted accordingly and will persist until we have completed the next monthly review. If you completed a cash back redemption prior to the next monthly review date, we will not retroactively review your Loyalty Cash Bonus percentage. Your eligible Loyalty Cash Bonus percentage may increase monthly but decrease only once every three (3) calendar months.

If you have either a Truist Dimension Checking account or Signature Advantage Checking account and a Truist One Checking account, during the monthly review we will determine which deposit relationship provides the higher Loyalty Cash Bonus percentage and award your Loyalty Cash Bonus at the same time as your cash back redemption.
If your electronic deposit is rejected for any reason, we will refund the Rewards amount redeemed back to your Rewards Account. You will not earn any Loyalty Cash Bonus on an attempted electronic deposit redemption that has been rejected.

For example:
Let’s say your monthly review for May shows that your highest average monthly balance across your combined eligible accounts is $10,000. For June it is $25,000, for July it is $110,000, for August it is $30,000, for September it is $10,000, and for October it is $10,000.

If you have either a Truist Dimension Checking account or Signature Advantage Checking account, and redeem your Rewards into an eligible Truist deposit account in August, September, or October, you will receive a 50% bonus (because we will look to your July monthly review calculation). If you redeemed to an eligible Truist deposit account in November, you would receive a 25% bonus because your highest average monthly balance for the preceding three (3) calendar months was decreased to $30,000.

If you have a Truist One Checking account, and redeem your Rewards into an eligible Truist deposit account in August, September, or October, you will receive a 50% bonus (because we will look to your July monthly review calculation). If you redeemed to an eligible Truist deposit account in November, you would receive a 30% bonus because your highest average monthly balance for the preceding three (3) calendar months was decreased to $30,000.

Loyalty Travel Bonus
If you have a Truist personal checking, personal savings, or personal money market account and use the Rewards Program to redeem Miles for travel reward offerings, you will receive a 10% Loyalty Travel Bonus added to your available Rewards balance. For example, 2,500 Miles would include an additional 250 Miles totaling 2,750 Miles available to redeem for travel reward offerings. These Loyalty Travel Bonus Miles are only added when you redeem Miles for travel Rewards Offerings in the Rewards Program.

If you have a Truist Dimension Checking account or Signature Advantage Checking account and use the Program to redeem Miles for travel Rewards Offerings, you may receive either a 25% or 50% Loyalty Travel Bonus added to your available Program Miles; if applicable, this 25% or 50% Loyalty Travel Bonus would replace the 10% Loyalty Travel Bonus described above.

If you have a Truist One Checking account and use the Program to redeem Miles for travel Rewards Offerings, you may receive either a 20%, 30%, 40% or 50% Loyalty Travel Bonus added to your available Rewards balance; if applicable, this 20%, 30%, 40% or 50% Loyalty Travel Bonus would replace the 10% Loyalty Travel Bonus described above.

We determine and award your Loyalty Travel Bonus at the same time as your Miles rewards redemption. For Truist Dimension Checking account, Signature Advantage Checking account, and Truist One Checking account clients, we perform a calculation for each of the prior three (3) calendar months (“monthly review”); for each monthly review, this calculation determines the highest average monthly balance of your combined eligible consumer deposit and investment balances. We will use the highest average monthly balance amongst those three (3) monthly reviews to assign your Loyalty Travel Bonus percentage as follows:

Truist Dimension Checking account or Signature Advantage Checking account clients:

  • 50% Loyalty Travel Bonus if combined eligible consumer balances are $100,000 or greater
  • 25% Loyalty Travel Bonus if combined eligible consumer balances are between $25,000 and $99,999.99
  • 10% Loyalty Travel Bonus if combined eligible consumer balances are less than $25,000

Truist One Checking account clients:

  • 50% Loyalty Travel Bonus if combined eligible consumer balances are $100,000 or greater
  • 40% Loyalty Travel Bonus if combined eligible consumer balances are between $50,000 and $99,999.99
  • 30% Loyalty Travel Bonus if combined eligible consumer balances are between $25,000 and $49,999.99
  • 20% Loyalty Travel Bonus if combined eligible consumer balances are between $10,000 and $24,999.99
  • 10% Loyalty Travel Bonus if combined eligible consumer balances are less than $10,000

For the purposes of this Loyalty Travel Bonus, your deposit/investment relationship will be determined as of the last day of the month preceding redemption. However, we reserve the right to take up to five (5) business days to determine or update your deposit/investment relationship for each monthly review. The eligible Loyalty Travel Bonus percentage will be adjusted accordingly and will persist until we have completed the next monthly review. If you completed a travel redemption prior to the next monthly review date, we will not retroactively review your Loyalty Travel Bonus percentage. Your eligible Loyalty Travel Bonus percentage may increase monthly but decrease only once every three (3) calendar months.

If you have either a Truist Dimension Checking account or Signature Advantage Checking account and a Truist One Checking account, during the monthly review we will determine which deposit relationship provides the higher Loyalty Travel Bonus percentage and award your Loyalty Travel Bonus at the same time as your travel redemption.

For example:
Let’s say your monthly review for May shows that your highest average monthly balance across your combined eligible accounts is $10,000. For June it is $25,000, for July it is $110,000, for August it is $30,000, for September it is $10,000, and for October it is $10,000.

If you have either a Truist Dimension Checking account or Signature Advantage Checking account, and use the Rewards Program to redeem Miles for travel Rewards Offerings in August, September, or October, you will receive a 50% bonus (because we will look to your July monthly review calculation). If you use the Rewards Program to redeem Miles for travel Rewards Offerings in November, you would receive a 25% bonus because your highest average monthly balance for the preceding three (3) calendar months was decreased to $30,000.

If you have a Truist One Checking account and use the Rewards Program to redeem Miles for travel Rewards Offerings in August, September, or October, you will receive a 50% bonus (because we will look to your July monthly review calculation). If you use the Rewards Program to redeem Miles for travel Rewards Offerings in November, you would receive a 30% bonus because your highest average monthly balance for the preceding three (3) calendar months was decreased to $30,000.

Eligible Truist credit cards

The following credit cards are eligible to earn an enhanced Loyalty Bonus if you also have a Truist One Checking account:

  • Truist Enjoy Cash (including Secured)
  • Truist Enjoy Travel
  • Truist Enjoy Beyond
  • Truist Cash Rewards
  • Truist Prime Rewards
  • Truist Travel Rewards
  • Truist Platinum Elite Rewards
  • Truist Legacy Cash Rewards

If your card is not listed as “eligible” here, you will not earn an enhanced Loyalty Bonus, even if you have a Truist One Checking account. For your ease of reference, your credit card product type name is provided on your most recent credit card monthly statement. You can also find your credit card product type name in the online banking portal or mobile app by selecting the credit card tile, then “View Account Details.”
Truist Wealth and Truist PWM Rewards Card clients earn a 75% Loyalty Cash Bonus when you deposit cash rewards into any Truist deposit account. Truist Spectrum Cash Rewards clients are not eligible for the Truist One Loyalty Bonus but will continue to receive a 10% bonus when you deposit your rewards into any Truist deposit account.

If you have a Truist rewards credit card that is not eligible to earn an enhanced Loyalty Bonus, you will continue to earn rewards as outlined within your credit card’s existing Rewards Terms and Conditions.  If you are interested in opening a new Truist Credit Card, go to Truist.com/credit-cards, select a rewards card, and apply.  All credit cards are subject to credit approval.

Disclosure 9 Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.

Disclosure 10 The Non-Truist Domestic ATM Fee is charged per withdrawal, balance inquiry or transfer when using a non-Truist ATM in the United States. Account Level Benefits for monthly Non-Truist ATM Waivers and Surcharge Rebates reset on the third (3rd) business day of each month.

Disclosure 11 Waive the $12 monthly maintenance fee by maintaining a minimum daily ledger balance of $15,000 or more. Daily ledger is the actual balance in your account on a specific day, and does not reflect any holds or pending transactions.

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.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • 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.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist 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.

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.

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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