• No overdraft fees
  • No monthly maintenance fee for students under 25Disclosure 1
  • No hassle

Go beyond student checking. Get Truist One Checking.

Being a student means unlimited possibilities. So you should expect more than a student checking account. Choose Truist One Checking—and never wonder if you’re getting the most from your checking account. 

  • 24/7 mobile banking
    Check your balance. Transfer money.Disclosure 2 Pay bills. And much more.
  • Fast transfers with Zelle®Disclosure 4
    Pay trusted friends and family in minutes.
  • $100 Negative Balance BufferDisclosure 3 for eligible clients
    Accidentally overdrawn? Eligible clients get a little extra cushion—with no fees.
  • Practical perks
    Get a free 10-pack of personal checks and Truist One Savings with no monthly maintenance fee.
  • Convenient branch locations
    We're here for you. Stop by to meet a banker who genuinely cares. Find a branch.
  • Automatic upgrades
    As your life evolves and account balances grow, we move you to the next level—automatically.

Ready to open your Truist One Checking account?

Fits so good. Because it grows with you.

With five levelsDisclosure 5 and automatic upgrades, there’s no need to switch from a student checking account after you graduate. This is the only checking account you’ll need.

As our relationship grows, so do your perks. You can move between levels based on your combined monthly average balance across all eligible Truist accounts. Including checking, savings, investment accounts, and more.Disclosure 5 We automatically move you to the next level as your combined balance grows.

Level 1

$0 - $9,999.99

Combined monthly avg. balance

Level 2

$10,000 - $24,999.99

Combined monthly avg. balance

Level 3

$25,000 - $49,999.99

Combined monthly avg. balance

Level 4

$50,000 - $99,999.99

Combined monthly avg. balance

Level Premier


Combined monthly avg. balance

  • Free first order 10-pack checks and free reorders 
  • Optional Delta SkyMiles® Debit Card (discounted $25 annual fee)Disclosure 6
  • Unlimited Truist One Savings accounts with no monthly maintenance feeDisclosure 7
  • Unlimited no-fee non-Truist ATM transactions per monthly cycleDisclosure 8
  • Unlimited Truist One Checking accounts with no monthly maintenance feeDisclosure 7

Want to open an account in person?

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Frequently asked questions

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No, but the $12 monthly maintenance fee is waived for students under the age of 25.

The monthly maintenance fee waiver applies automatically at account opening and expires on the 25th birthdate of the student or their stated graduation date, whichever comes later. For the waiver to apply, you must be listed as the primary owner on the checking account.

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. And some ATM and personal check fees are waived too.

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 waiver expires at graduation OR on the 25th birthday of the student, whichever comes later. For example, if you graduate at age 23, you’ll still avoid the monthly maintenance fee until your 25th birthday.

At graduation the account is subject to all applicable fees, including the Monthly Maintenance Fee unless you meet any of the waiver criteria.

Here are four ways to waive the Monthly Maintenance Fee after you graduate:

  • Making $500 or more in total qualifying Direct Deposits per statement cycle OR
  • Maintaining a total combined ledger balance of $500 or more in Truist related accounts across personal deposits and all investments as reflected on the business day before your statement cycle end date OR
  • Having a personal Truist credit card, mortgage or consumer loan, excluding LightStream® OR
  • Having a linked Small Business Checking Account 

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 $100 Negative 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 $100 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 $100 Negative Balance Buffer, the requirement below must be met:

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

For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative 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.