Disclosure Information

Truist One Checking Account

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 Deposits1 per statement cycle OR
  • Maintain a total combined ledger balance2,3 of $500 or more in Truist related accounts4 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 Account5 OR
  • Students under the age of 256

See the Personal Deposit Accounts Fee Schedule for further details.

Monthly Paper Statement Fee

There is $3 charge for a paper statement7

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 Overdraft8 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 deposit9 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 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 card10 , or line of credit10, 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 transactions12 at Truist ATMs. Non-Truist ATMs fees are based on the following "Level Benefits" listed below

  • $3 per transaction12 at non-Truist ATMs in the U.S.
  • $5 per transaction12 at non-Truist ATMs outside the U.S.
  • 3% International Point of Sale & ATM assessment fee per transaction12
  • Non-Truist ATMs may charge additional fees
  • Replacement card rush fee: $30 charge

Stop Payment Fee

$35 each.

Returned Deposited Item/Cashed Item Fee13

$12 per domestic item.
$30 per international item plus Foreign Bank Fees.

Level Benefits

Most Truist One Checking accounts start in Level 114 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 $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
Zelle Limits

$2,000 Daily
$10,000 Rolling 30 Days

$5,000 Daily
$15,000 Rolling 30 Days
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) None 1 3 5 Unlimited
Delta SkyMiles Debit Card Annual Fee15 $95 $95 $75
($20 Discount)
$75
($20 Discount)
$25
($70 Discount)
Truist Credit Card Loyalty Bonus16 (At time of redemption) 10% 20% 30% 40% 50%
Check Orders Free 10 Pack Free 10 Pack + 50% Re-orders Free 10 Pack + Free Re-orders Free 10 Pack + Free Reorders Free 10 Pack + Free Reorders
Official Checks/Money Orders

One, no-fee Official Check and one, no-fee Money Order per statement cycle.

Deposit and Withdrawal Processing Policies
Funds Availability

Funds are 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 the results 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 for further details.

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, checks 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 Deposited Item Returned Checks.

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: