Looking for student checking?

No, but the $12 monthly maintenance fee is waived for students.^{Disclosure 1}

For the waiver to apply, the student must be listed as the primary owner on the checking account and they’ll need to provide their anticipated graduation date.

Also, Truist One Checking doesn’t charge overdraft fees or overdraft-related fees. This means no fees for things like returned items, negative account balances, or overdraft protection transfers.

Other fees may apply. Please refer to the Account Overview Guide and the Personal Deposit Accounts Fee Schedule for further details.

The Monthly Maintenance Fee (MMF) can be waived for the Truist One Checking account for each statement cycle by any one of the following:

• Maintenance fees are waived for primary account owners who are 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.
• Making $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 via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
• Maintaining a total combined ledger balance of $500 or more in any Truist related accounts (excluding Truist HSA) across personal deposits and all investments as reflected on the business day before your statement cycle end date. A Ledger Balance is actual balance in your account on a specific day and does not reflect any holds or pending transactions. Your Total Combined Balance is the sum of all balances within the Truist personal deposit accounts (checking, savings, money market or CDs), IRAs or brokerage accounts introduced through Truist Investment Services, Inc. Related Accounts automatically includes all applicable accounts associated with primary and secondary account holders.
• Having a personal Truist credit card, mortgage or consumer loan, including LightStream®.
• Having a linked Small Business Checking Student Checking. Eligible Small Business account types include: Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and Business Value 200.
• Maintenance fees are waived for students. The waiver for a student requires they are listed as the primary account owner and they provide their anticipated graduation date. The waiver expires on the provided graduation date.

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

No. There’s no fee to cash or deposit a check issued to you.

The 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 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 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.

Yes. You can transfer money to and from your Truist One Checking account with online or mobile banking. And we’re always happy to help you in a branch.

Plus, you can use Zelle® with friends, family, and businesses that you trust to send and receive money.

Most transfers are free, but external transfers or wires usually do have a fee. However, you can receive one no-fee incoming domestic wire, one no-fee incoming international wire, or one no-fee funds transfer per calendar month.

Yes, with proper documentation. Note that international students studying abroad in the U.S. must open new accounts in branch only.