Minimum Opening Deposit |
$50 |
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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:
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 Related Fees |
Truist does not charge Overdraft8 related fees on this product. |
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$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:
To REMAIN QUALIFIED for the $100 Negative Balance Buffer, the requirement below must be met:
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 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.
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ATM Fee |
No fee for transactions12 at Truist ATMs. Non-Truist ATMs fees are based on the following "Level Benefits" listed below |
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Stop Payment Fee |
$35 each. |
Returned Deposited Item/Cashed Item Fee |
No Charge |
Level Benefits | Level 1 | Level 2 | Level 3 | Level 4 | Level Premier |
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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 Fee14 | $95 | $95 | $75
($20 Discount) |
$75
($20 Discount) |
$25
($70 Discount) |
Truist Credit Card Loyalty Bonus15 (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. |
Funds Availability |
Funds are generally available the next business day after the deposit is received.
See the Funds Availability Policy in the Bank Services Agreement for further details. |
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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.
Disclosures, including: |