Disclosure Information

Truist One Checking Account

Key documents for deposits

Account overview guide (PDF)

Personal deposit accounts fee schedule (PDF)

Bank services agreement (PDF)

Account Opening, Closing and Usage
Minimum Opening Deposit	$50
Monthly Maintenance Fee	$12
How to Avoid the Monthly Maintenance Fee (MMF)	The MMF can be waived for the Truist One Checking account for each statement cycle by: Making $500 or more in total qualifying Direct Deposits^{Disclosure 1} per statement cycle OR Maintain a total combined ledger balance^{Disclosure 2,}^{Disclosure 3} of $500 or more in Truist related accounts^{Disclosure 4} across personal deposits (excluding Truist HSA) 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, including LightStream^® OR Having a linked Small Business Checking Account^{Disclosure 5} OR Primary client is a student^{Disclosure 6} Primary client is under the age of 25^{Disclosure 7} or age 62 and older See the Personal Deposit Accounts Fee Schedule for further details.
Monthly Paper Statement Fee	No charge for Paper Statement or Paperless Online Statement^{Disclosure 8}
Pays Interest	Truist One Checking is a non-interest bearing account.
Account Statement	Statements are provided monthly and may be combined with other deposit accounts.
Charged-Off Account Fee	Accounts closed in a charged-off status, $30.

Overdraft Services
Overdraft Related Fees	Truist does not charge Overdraft^{Disclosure 8} related fees on this product.
$100 Negative Balance Buffer	The $100 Negative Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies. To INITIALLY QUALIFY for the $100 Negative Balance Buffer, the requirements below must be met: Account must be opened for a minimum of 35 calendar days Account must be funded with a positive balance A single direct deposit of at least $100 per month must be made for two (2) consecutive months To REMAIN QUALIFIED for the $100 Negative Balance Buffer, the requirement below must be met: A recurring direct deposit^{Disclosure 9} 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.
Overdraft Protection	Overdraft Protection is an optional service that can help clients avoid declined transactions. The client can link a Truist checking or money market account (the “protected” account) to another Truist deposit account, credit card^{Disclosure 10,}or line of credit^{Disclosure 10,}^{Disclosure 11} (the “protector” account) and available funds are automatically transferred from the linked protector account when necessary to cover any shortfalls in the protected account. The amount transferred is the exact amount of the overdraft. If the linked protector account is a savings or money market account, transfers will count towards the maximum number of six (6) withdrawals and transfers allowed per monthly statement cycle before a Withdrawal Limit Fee is incurred. If the account has both Overdraft Protection and $100 Negative Balance Buffer, 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.

Other Account-Related Fees
ATM Fee	No fee for transactions^{Disclosure 13} at Truist ATMs. Non-Truist ATMs fees are based on the following "Level Benefits" listed below $3 per transaction^{Disclosure 13} at non-Truist ATMs in the U.S. $5 per transaction^{Disclosure 13} at non-Truist ATMs outside the U.S. 3% International Point of Sale & ATM assessment fee per transaction^{Disclosure 13} Non-Truist ATMs may charge additional fees Replacement card rush fee: $30 charge
Stop Payment Fee	$35 each (Fee waived for Level 3, Level 4, and Level Premier).
Returned Deposited Item/Cashed Item Fee	No Charge

Level Benefits Most Truist One Checking accounts start in Level 1^{Disclosure 14} 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.
Level Benefits	Level 1	Level 2	Level 3	Level 4	Level Premier
Balance Requirements (excluding Truist HSA)	$0.00 - $9,999.99	$10,000 - $24,999.99	$25,000 - $49,999.99	$50,000 - $99,999.99	$100,000+ or Premier/Wealth Client
Additional Truist One Checking and or Truist One Savings Accounts with No Monthly Maintenance Fee	1 Savings	1 Checking 1 Savings	2 Checking 1 Savings	3 Checking 1 Savings	Unlimited Checking and Savings
Debit Card Daily Limits	$500 ATM $3,000 POS	$500 ATM $3,000 POS	$2,500 ATM $3,000 POS	$2,500 ATM $3,000 POS	$2,500 ATM $3,000 POS
Non-Truist ATM Waivers and Surcharge Rebates, up to $3 per charge (Per Monthly Cycle^{Disclosure 15})	None	1	3	5	Unlimited
Delta SkyMiles Debit Card Annual Fee^{Disclosure 16}	$95	$95	$75 ($20 Discount)	$75 ($20 Discount)	$25 ($70 Discount)
Truist Credit Card Loyalty Bonus^{Disclosure 17} (At time of redemption)	10%	20%	30%	40%	50%
Check Orders	Free first order (10-Pack)	Free first order (10-Pack) and 50% reorder discount	Free first order (10-Pack) and Free reorders	Free first order (10-Pack) and Free reorders	Free first order (10-Pack) and Free reorders
Stop Payment Fee Waiver	No waivers	No waivers	Unlimited waivers	Unlimited waivers	Unlimited waivers
Official Checks/Money Orders	No charge for Official Checks and Money Orders	No charge for Official Checks and Money Orders	No charge for Official Checks and Money Orders	No charge for Official Checks and Money Orders	No charge for Official Checks and Money Orders
Safe Deposit Box Annual Fee Discount	$25 Annual Fee Discount on any size safe deposit box, subject to availability	$25 Annual Fee Discount on any size safe deposit box, subject to availability	$25 Annual Fee Discount on any size safe deposit box, subject to availability	$25 Annual Fee Discount on any size safe deposit box, subject to availability	$25 Annual Fee Discount on any size safe deposit box, subject to availability

Deposit and Withdrawal Processing Policies
Funds Availability (Standard and Immediate)	Standard availability is generally available the next business day after the deposit is received Transactions are processed each business day (Monday through Friday except federal holidays) during nightly processing and are posted to your account Check deposits will be posted to your account and available for use after nightly processing unless a hold is placed See the Funds Availability Policy in the Bank Services Agreement and the Personal Deposit Accounts Fee Schedule for further details. Truist.com/BSA and Truist.com/personaldepositsfeeschedule Immediate availability service (IAS), if offered, will be presented per deposited item Transactions are processed each banking day (Monday through Friday except federal holidays) during nightly processing. If accepted, your available balance will be increased by the amount of the deposited item, minus the applicable fee, at the time the deposit is made. Funds from checks deposited by 11:59 pm ET, with IAS, will be included during nightly processing. Currently available for Mobile and ATM check deposits only The fee for immediate availability is 2% of each check amount equal to or over $100. For each check under $100, a $1 fee will apply. The fee amount is disclosed prior to acceptance. A single check deposit that is less than $5 is not eligible for immediate availability See the Funds Availability Policy in the Bank Services Agreement and the Personal Deposit Accounts Fee Schedule for further details. Truist.com/BSA and Truist.com/personaldepositsfeeschedule
Posting Order	Truist will post items to your account based on your available balance. The available balance can be impacted by pending transactions. Examples of common pending transactions can be found in the Bank Services Agreement. Once the available balance is determined, prior-day credits and debits will post before current-day credits and debits. Once prior-day credits and debits are determined, if any, transactions will post in order according to the groupings below: Deposits and credits – All deposits and credits will be posted to the account first. This includes cash and check deposits and incoming transfers (i.e., direct deposits and wires) received before the cutoff time at the location the deposit or transfer was made. Bank-initiated transactions – These transactions include corrections and Returned Deposited Item/Cashed Item. Client-initiated withdrawals and debits – Withdrawals/payments that have been previously authorized and cannot be returned unpaid. This category includes debit card purchases, ATM withdrawals, account transfers and teller-cashed checks. If more than one of these transactions is received for payment from your account, the items are generally sorted and paid based on the date and time of the transaction. For a debit card transaction, if a merchant does not seek authorization from the bank at the time of the transaction, the date the transaction is received for payment from your account will be used. Client-initiated withdrawals and debits such as ACH (automated payments) – Transactions such as bills that are paid by authorizing a third party to withdraw funds directly from your account. If there is more than one of these types of transactions, they will be sorted by the date and time that they are received. Multiple transactions that have the same time will be sorted and paid from lowest to highest serial number. Client-initiated checks – Checks will be posted and sorted in sequential order. Bank fees – Fees, such as the Monthly Maintenance Fee, will post to your account last. Please note that some fees will be posted to your account at the time they are incurred and others, like maintenance fees, will post last. Disclosures, including: Personal Deposit Accounts Fee Schedule (PDF) Bank Services Agreement (PDF) Privacy Policy Facts About Banking