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 Deposits¹ per statement cycle OR Maintain a total combined ledger balance^2,³ 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 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 card¹⁰, or line of credit^10,¹¹ (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	$2, 000 Daily $10, 000 Rolling 30 Days	$2, 000 Daily $10, 000 Rolling 30 Days	$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.	One, no-fee Official Check and one, no-fee Money Order per statement cycle.	One, no-fee Official Check and one, no-fee Money Order per statement cycle.	One, no-fee Official Check and one, no-fee Money Order per statement cycle.	One, no-fee Official Check and one, no-fee Money Order per statement cycle.
Safe Deposit Box Annual Fee Discount	All Truist One Checking account levels will receive a $25 Annual Fee Discount on any size safe deposit box, subject to availability.	All Truist One Checking account levels will receive a $25 Annual Fee Discount on any size safe deposit box, subject to availability.	All Truist One Checking account levels will receive a $25 Annual Fee Discount on any size safe deposit box, subject to availability.	All Truist One Checking account levels will receive a $25 Annual Fee Discount on any size safe deposit box, subject to availability.	All Truist One Checking account levels will receive a $25 Annual Fee Discount on any size safe deposit box, subject to availability.

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 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