Truist One Checking1

The One account has your back.

With Truist One Checking you never have to wonder if you’re getting the most from your checking account. As your needs—and total relationship balances—change, we automatically move you to the benefit level that gives you the best bang for your bucks.

It’s your money. And it should stay that way.

That’s why Truist One Checking doesn’t charge overdraft-related5 fees, gives you five ways to waive your monthly maintenance fee, covers some non-Truist ATM transactions, and even helps with the cost of personal checks.

It’s so simple to start with Truist One Checking.

Want to know the perks? We keep it on the level.

You can move between five different benefit levels, each with their own set of perks. Your level is determined by your total monthly average balance—which includes your Truist personal checking, savings, and investment accounts, and a few others.6

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You don’t have to take any action to move between levels—just keep banking. But here’s how we set up Truist One Checking to fit you:

  • Most Truist One Checking accounts start at Level 1, but can start increasing levels the very next month.
  • Every month, we’ll review your total monthly average balance in your Truist One Portfolio—which includes your checking accounts, savings, investment, and other accounts.6
  • If the monthly average balance increased over the month to reach a new benefit level, we’ll move you up. 
  • If your balance drops into a lower level for three months in a row, we’ll move you down.

As our relationship grows—so do your benefits.

Level 2 benefits

$10,000-$24,999.997

total monthly average balance

Extra benefits include:

  • 20% loyalty bonus on Truist credit cards3
  • $100 Negative Balance Buffer2 for eligible clients
  • 10-pack free personal checks and a 50% reorder discount
  • 1 no-fee, non-Truist ATM transaction per monthly cycle5
  • Truist One Savings account and 1 additional Truist One Checking account with no monthly maintenance fee8
  • 1 personal debit card or the Delta SkyMiles® Debit Card with an annual fee of $959

Want more information? See our account fees and disclosures.

 

 

Level 3 benefits

$25,000-$49,999.997

total monthly average balance

Extra benefits include:

  • 30% loyalty bonus on Truist credit cards3
  • $100 Negative Balance Buffer2 for eligible clients
  • 10-pack free personal checks and free reorders
  • 3 no-fee, non-Truist ATM transactions per monthly cycle5
  • 1 Truist One Savings account and 2 additional Truist One Checking accounts with no monthly maintenance fees8
  • 1 personal debit card or the Delta SkyMiles® Debit Card at a discounted annual fee of $759 (normally $95)

Want more information? See our account fees and disclosures.

Level 4 benefits

$50,000-$99,999.997

total monthly average balance

Extra benefits include:

  • 40% loyalty bonus on Truist credit cards3
  • $100 Negative Balance Buffer2 for eligible clients
  • 10-pack free personal checks and free reorders
  • 5 no-fee, non-Truist ATM transactions per monthly cycle5
  • 1 Truist One Savings account and 3 additional Truist One Checking accounts with no monthly maintenance fees8
  • 1 personal debit card or the Delta SkyMiles® Debit Card at a discounted annual fee of $759 (normally $95)

Want more information? See our account fees and disclosures.

Level Premier benefits

$100,000 +7

total monthly average balance

Extra benefits include:

  • 50% loyalty bonus on Truist credit cards3
  • $100 Negative Balance Buffer2 for eligible clients
  • 10-pack free personal checks and free reorders.
  • Unlimited no-fee, non-Truist ATM  transactions per monthly cycle5
  • Monthly maintenance fees8 waived on all Truist One Checking and Truist One Savings accounts
  • 1 personal debit card or the Delta SkyMiles® Debit Card at a discounted annual fee of $259 (normally $95)

Want more information? See our account fees and disclosures.

Looking for a bank account to help build your financial confidence?

Instead of Truist One Checking, the Truist Confidence Account may be right for you.

It's a great option for anyone who's newer to banking. With no personal checks or check cashing fees—and no overdraft fees4—you can build your confidence and a solid financial foundation.

Frequently asked questions

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No, but we’ve made it easy to waive the $12 monthly maintenance fee.

Plus, Truist One Checking doesn’t charge overdraft fees or overdraft related fees, like returned item, negative account balance, or overdraft protection transfer fees. And some ATM and personal check fees are waived.

Waive the fee by making $500 in total qualifying monthly direct deposits, 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 have a linked Truist credit card, mortgage or consumer loan (excluding LightStream®), or having a linked small business checking account, or if you’re a student under 25.

No. And no overdraft related fees either.

Most Truist One checking accounts start in Level 16 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.

It’s $100 of wiggle-room. Once your account qualifies,7 you can overdraw your Truist One Checking account up to $100 and still have your transactions go through—with no fees. Your next deposits will help bring your balance back into the black.

If you overdraw your account more than $100, we’ll use your Overdraft Protection to move funds from your linked account to cover the charge—fee free. If you don’t have Overdraft Protection, your transaction will be declined or returned.

You won’t have to worry about the monthly maintenance fees with those accounts, and they’re easily visible in your online and mobile banking dashboards. It makes them a great option for kids, or for an account with a specific purpose—like paying specific bills.

Your account is evaluated on the second business day of every month.

If your balance puts you in a higher benefit level, you’ll automatically move up. If your balance puts you in a lower level for three consecutive months, you’ll move down.

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

Truist One Checking is a traditional checking account—but with great benefits that automatically adjust based on your balance.

The Truist Confidence Account doesn’t have paper checks. And it helps you stay focused on your budget by only approving transactions if you have the funds in your account to cover them. While the rare overdraft can occur in some circumstances, you typically won’t have to worry about it. And you’ll never have to worry about Overdraft fees.

Both are great options for students since the monthly maintenance fees are waived for students under 25.

Absolutely. You can transfer money to and from your Truist One Checking account with online or mobile banking, and we’d be happy to help you in a branch. Plus, you can send and receive money with Zelle®.

Most transfers are free, but external transfers or wires do have a fee. Get all the fee details here.

It’s easy—and only takes a few minutes. To open an account online, you’ll need to share some personal information, and then we’ll help you make your first deposit.

Or, you can visit a branch and we’ll be happy to help you open your account.

Nope! We’ll look at your banking history but won’t make a hard credit check.

Yes. And your debit card comes with perks! You can earn extra cash back deals, or earn travel rewards with the Delta SkyMiles® Debit card.

Yes - it's FDIC-insured up to the allowable amount by law.

On your personal checks, your routing number is the nine-digit number on the bottom left of your check. It’s followed by your account number, which is usually 13 numbers.

You can also find it in your account information in online and mobile banking. Just select the account you need information for, and then select View account details

To get started, you’ll need this form, and your routing and account numbers for the checking account where you want your funds deposited. You can find this information on one of your own checks, or in digital banking.

  • On a check: In the string of numbers along the bottom of your check, your routing number is the first set of nine numbers. Your account number will follow, and be between nine and 12 digits.
  • In digital banking: Select the account you want, and then select View account details to see your routing and account number.

Easily. Once you set it up, your monthly bills become a fast check off the to-do list. Use our simulator to walk through the process step-by-step.

Visit our online registration page. You’ll need your Truist debit card, ATM card, prepaid debit card number, or your account number to get started.

For iPhones, visit the App Store and search for Truist Mobile, or select the link below.

For all other phones, search Google Play for Truist Mobile, or select the link below.

Download Truist app on Apple app store  Download Truist app on Google Play

You can follow the instructions that come with your card or visit our online activation page.

  • For first-time check orders:
    • Online: Sign in to Truist Online Banking, and select Order checks and supplies. Follow the instructions.
    • By phone: Call 844-4TRUIST (844-487-8478).    
  • For check reorders:
    • Online: Sign in to Truist Online Banking, and select Order checks and supplies. Follow the instructions.
    • By phone: Call Deluxe at 877-838-5287.