Truist One Checking Quickstart guide

You made a great choice with Truist One Checking! Take a moment to review this quickstart guide. You’ll find everything you need to set up your new checking account and get the most from Truist One Checking.

Get started with these top items:

Sign in to the Truist mobile app
Make your first deposit
Activate your debit card
Enroll with Zelle®
Manage account alerts

Make your first deposit.

Here are a few ways to add money to your new account. For some options you’ll need to first set up online and mobile banking.Disclosure 1

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Set up direct deposit.
Download the direct deposit form. Or contact your payroll administrator.

Deposit a check with your mobile device.Disclosure 3
Get the Truist mobile app.

Transfer money from an existing account.Disclosure 4
Sign in to online banking.

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Make a deposit at your local branch.
Find a branch.

Send money to yourself with Zelle®.Disclosure 5
If you’re already enrolled in Zelle® at another bank, you can use Zelle® to send money from that account to your new Truist One Checking account. First, you’ll need to sign in to online banking and enroll with Zelle® at Truist too.

Spend your money.

There are many ways to move money with your new Truist One Checking account. For some options, you’ll need to first set up online and mobile banking.Disclosure 1

Add your debit card to your digital wallet.

If you need help, here are step-by-step instructions.

Send and receive money with Zelle®.Disclosure 5

Sign in to online banking and enroll with Zelle® at Truist.

Set up bill pay.

Sign in to online banking where you can view, manage, and pay bills securely in one place.

Avoid the $12 monthly maintenance fee.

Choose any one of these ways to waive the $12 monthly maintenance fee. You only need to do one!

  • Make $500 or more in total qualifying direct depositsDisclosure 6 per statement cycle.
  • Maintain a combined monthly average balance of $500 or more across all eligbile Truist accounts.Disclosure 7
  • Have a personal Truist credit card, mortgage, or consumer loan, excluding LightStream.®
  • Have a linked small business checking account.Disclosure 8
  • Students under age 25 listed as primary account holder.Disclosure 9

Plus, we waive the monthly maintenance fee for primary account holders age 62 and older.

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Disclosure 1 Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 2 Delivery may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 3 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.

Disclosure 4 Fees may apply to transfers to other U.S. financial institutions. Setup is also required and verification may take 1 – 3 business days. View the Truist Online and Mobile Banking Services Agreement and the Truist Personal Deposit Accounts Fee Schedule for more information. Your mobile carrier’s message and data rates may apply.

Disclosure 5 For your protection, Zelle® should only be used to send money to friends, family, other people or businesses you trust. Payments made with Zelle® are like sending cash and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. A 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 Services Agreement. Your mobile carrier’s message and data rates may apply.

Disclosure 6 Direct deposits: A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Preauthorized 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.

Disclosure 7 Combined monthly average balance: 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.

Disclosure 8 Linked Small Business Checking account: Eligible small business account types to be linked include Truist Dynamic Checking, Business Interest Checking, Simple Business Checking, and Business Value 200 Checking (no longer offered).

Disclosure 9 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.

Disclosure 10 Contact Truist to report a lost or stolen card. Locking your card will not stop recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Locking your debit card only stops transactions associated with the specific debit card number that you lock and will not stop transactions that are made with any other debit cards linked to your account. Locking your credit card will lock all credit cards issued for that account. Any digital card numbers linked to a locked card will be turned off. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Disclosure 11 The length of time paperless statements are available to view and download varies depending on the product: up to 7 years for deposit and brokerage accounts; up to 2 years for credit cards; up to 24 months for home equity lines of credit, personal loans, and auto loans; and up to 18 months for mortgage and trust accounts. The length of time the specific product statements are available online can be found in Truist Online Banking in “Documents”. Your mobile carrier’s message and data rates may apply.

Apple and the Apple logo are trademarks of Apple, Inc. App Store is a service mark of Apple, Inc.

Google Play is a trademark of Google LLC.

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. © 2024 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., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers.

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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