Get started with a new account.

Opening and using your new account is easier than you think.

How to open a new checking or savings account

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We’re with you—wherever you are. Learn how to register, get our mobile app, deposit checks, set customized alerts, and so much more. Learn more

Download Truist app on Apple app storeDownload Truist app on Google Play

A debit card gives you the freedom to make digital purchases and in-person payments using the cash in your checking account—but you'll need to activate it first. 

Activate your card online

Use your new account

Not sure how to get started? You’ve come to the right place. Learn how to:

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You have a bank account. Nice. Here’s how to put money into it.

Internal transfers

Transfer money between your accounts to access cash instantly.

Online banking

  • Sign in to online banking.
  • Select Transfer & pay.
  • Select Transfer money & pay Truist accounts.
  • Choose the account you want to transfer money from in the first drop-down menu.
  • Choose the account you want to transfer money to in the second drop down menu.
  • Select One-time or Recurring
  • Enter the amount to transfer
  • Select when to transfer.
  • For One-time transfers, select or enter a transaction date.
  • For Recurring transfers, select or enter your start date, and then select your frequency from the drop-down menu.
  • Enter an optional memo.
  • Select Continue.
  • Review your transfer details. If they’re incorrect, select Edit to make corrections. If they’re correct, select Send transfer.

Mobile Banking

  • Sign in to online banking.
  • Select Transfer & pay.
  • Select Transfer money & pay Truist accounts.
  • Select the account you want to transfer money from in “From”.
  • Select the account you want to transfer money to in “To”.
  • Select One-time or Recurring.
  • Enter the amount to transfer
  • Select when to transfer.
  • For One-time transfers, select or enter a transaction date.
  • For Recurring transfers, select or enter your start date, and then select your frequency from the drop-down menu.
  • Enter an optional memo.
  • Select Continue.
  • Review your transfer details. If they’re incorrect, select Edit to make corrections. If they’re correct, select Send transfer.

External transfers

Online banking

  • Sign in to online banking.
  • Select Accounts.
  • Select Link external accounts.
  • Select a site.
  • Enter your credentials.
  • Confirm account has been added by selecting the Accounts tab.
  • Follow the same instructions for internal transfers, selecting your external accounts from the appropriate drop-down menus.

Mobile Banking

  • Sign in to online banking.
  • Select Accounts.
  • Select the Settings icon in the upper right of the screen.
  • Select Link external account in the menu.
  • Select a site.
  • Enter your credentials.
  • Confirm account has been added by selecting the Accounts tab.
  • Follow the same instructions for internal transfers, selecting your external accounts from the appropriate drop-down menus.

Move money—fast—with Zelle®.

Send and receive digital payments to people and businesses with Zelle®. Use this step-by-step guide to learn how.

What makes pay day even better? Waking up to cash already in your account (thank you, direct deposit).

To get started, ask your employer how to enroll. You’ll need to give them this form, your routing and account numbers for the checking account where you want your paycheck 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.

We can make your bills disappear—from your to-do list. 

Learn how to pay your bills in digital banking, including how to set them for auto-pay. 

You don’t need a branch—or even a computer—to do your banking. Learn more about banking on the go, or download Truist Mobile now to get started. 

Learn more

Download Truist app on Apple app storeDownload Truist app on Google Play

Truist makes it easy to order checks. Before you get started, you’ll need to have your routing number and your account number handy.

Personal check orders

For first-time check orders:

  • Online: Sign in to Truist Online Banking, and select Order checks. Follow the instructions.
  • By phone: For initial check orders, call 844-4TRUIST (844-487-8478).

For check reorders

  • Online: Sign in to Truist Online Banking, and select Order checks. Follow the instructions.
  • By phone: For check reorders, call Deluxe at 877-838-5287.

Business check orders

For first-time check orders and check reorders

  • Online: Sign in to Truist Online Banking, and select 'Order Checks'. Follow the instructions.
  • By phone: For initial check orders or check reorders, call Deluxe at 800-559-6134.

Deposit availability

When you’re on a deadline, it helps to know ours. Here’s when you can count on us to have your deposits ready to use in your account.

Type of deposit Cut-off time for deposit to post that day When it's available to cover transactions presented during nightly processing When it's available for withdrawal and debit card purchases
Cash deposit with a teller Varies (check with your local branch) Same business day (based on cut-off time) Immediately
Cash deposit at the ATM 9 pm ET (M – F) Same business day (based on cut-off time) Immediately
Cash deposit through the night depository 7 am ET (M –F) Same business day (based on cut-off time) Available once processed by the branch teller
Check deposit through the night depository Varies (check with your local branch) Same business day (unless a hold is placed1) Next day after it has been processed (unless a hold is placed1)
Direct Deposit Post throughout the day Same business day Immediately
Check deposit with a teller Varies (check with your local branch) Same business day (unless a hold is placed1) Next day after it has been processed (unless a hold is placed1)
Check deposit at the ATM 9 pm ET (M – F) Same business day (unless a hold is placed1) Next day after it has been processed (unless a hold is placed1)
Mobile check deposit 9 pm ET (M – F) Same business day (unless a hold is placed1) Next day after it has been processed (unless a hold is placed1)

Transaction posting order

With so many ways to use your checking account—like checks, debit card purchase, ACH transactions—it can be a little tricky to keep track of your transactions. Some show up almost right away, like debit card purchases. Others, like personal checks, get processed overnight. Here’s what to expect for the typical posting order:

  1. (+) Deposits and Credits will post to your account first. This includes cash and check deposits, and incoming transfers received before the cut-off time at the location the deposit or transfer was made.
  2. (-) Bank-initiated transactions, like corrections and deposited item returned checks.
  3. (-) Client-initiated withdrawals and debits like debit card purchases, ATM withdrawals, account transfers, and teller-cashed checks. If we get more than one of these transactions for payment from your account, we’ll generally sort and pay them based on the date and time you made the transactions.
  4. (-) Client-initiated withdrawals and debits like automated payments for bills. If there’s more than one of these types of transactions, they’ll be sorted by the date and time that they’re received. Multiple transactions that have the same time will be sorted and paid from lowest to highest serial number.
  5. (-) Client-initiated checks will be posted and sorted in sequential order.
  6. (-) Some bank fees—like monthly maintenance fees—will post to your account last. Others will post to your account at the time they’re incurred.
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  • Nightly processing occurs on regular business days—that excludes Saturdays, Sundays, and holidays.
  • Cash and wire transfer deposits are processed throughout the day and are available for withdrawal the same day.
  • Funds from pending check deposits made after the cut-off won’t be included in your available balance to cover items that night. They’ll be processed in the next business day's nightly processing.
  • Check deposits will be posted to your account and available for use after the nightly processing (unless a hold is placed). If there’s a hold on your deposit, those funds aren’t available to cover items during posting, or for withdrawals and purchases, until the hold expires.
  • Overdraft and returned item fees are added after each item is presented against an insufficient available balance during nightly processing. ATM fees are applied after each ATM transaction. Other applicable fees may post at the end of processing.
  • Fees may be assessed on checks, recurring debit card transactions, ACH, and other items if they’re paid by the bank (overdraft fee) or returned (returned item fee). Also, if you accepted overdraft coverage, ATM and one-time debit card transactions may be assessed an overdraft fee. Some fees are assessed at the time the transaction is performed, while others are assessed at the end of the banking day.
  • Even more information can be found in our Bank Services Agreement under Withdrawals and Debits.

The more you know—the less you pay.

Fees happen. But they don’t always have to. Here’s a cheat sheet to help you understand—and avoid—many common bank fees.

Overdraft fees

Overdraft fees happen when you spend more than you have in your checking account. There are a few different types:

Overdraft fee

A $36 fee that’s charged when a transaction amount is more than your available balance and is paid with negative funds. We won’t charge an overdraft fee if you overdraw by less than $5.

Returned item fee

A $36 fee that’s charged when a check or ACH item is returned—unpaid—because your available balance was too low to cover the total amount.

Negative account balance fee

A $36 fee that’s charged when your posted (ledger) balance has been negative for seven     consecutive calendar days. We start counting on the day your posted balance becomes negative.

Overdraft Protection transfer fee

A $12.502 fee that’s charged on the day you use overdraft protection. As long as your linked account balance covers the transaction amount, you’ll only pay one transfer fee per day—no matter how many transfers are made.

Unless you have overdraft protection, overdraft fees can be issued up to six times per day until you make a deposit to cover all outstanding transactions. If your account balance is negative for seven consecutive calendar days, you’ll be charged a negative account balance fee, too.

Overdraft fees may be assessed on checks, recurring debit card transactions, and ACH items. Also, if you have accepted overdraft coverage, ATM and one-time debit card transactions may generate overdraft fees.

Overdraft fee exceptions

Everyone makes mistakes—we get that. So, there are a few exceptions to overdraft fees, such as:

  • When you catch the overdraft before the daily deposit cut-off time and deposit or transfer enough to cover the overdraft
  • If the transaction that caused the overdraft is a one-time debit card transaction or an ATM transaction and you declined Overdraft Coverage at the time the transaction was authorized
  • If you overdraw your account by less than $5. Here are some examples of how that works:
Transactions Transaction amount Available balance Overdraft fee
Available balance $2.00
Coffee purchase, debit card $3.00 -$1.00 No
Lunch purchase, debit card $4.00 -$5.00 No
Check 102 $87.00 -$92.00 Yes
Check 104 $4.00 -$96.00 No

Avoid negative account balance fees

If you’ve overdrawn your account and your balance stays negative for seven consecutive business days, you’ll also be charged a negative account balance fee.

If you overdraw your account on... You must make a deposit to cover the overdraft by the daily deposit cut-off time on... Or you will be charged a negative account balance fee on...
Monday Monday Monday
Tuesday Monday Monday
Wednesday Tuesday Tuesday
Thursday Wednesday Wednesday
Friday Thursday Thursday

Tips and tools for avoiding fees

You don’t want to pay fees. We get that. Here are a few tools to help you keep an eye on your balance and quickly fix any accidental overdrafts.

Overdraft Coverage and Overdraft Protection

Looking for backup? Get Overdraft Coverage or Overdraft Protection to help you out when times get tough. Watch this short video to figure out the right option for you.

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[music begins]

[voiceover] Overdrafts happen. But you can prepare for how they're handled.

You have two options for overdraft services: Overdraft Protection and Overdraft Coverage. Let’s talk about the differences.

Suppose you make a $75 purchase with your debit card, but your checking account balance is only $50.

With Overdraft Protection, available funds from one of your other linked Truist deposit accounts or eligible credit products are automatically transferred to cover your purchase. There’s a fee to make the transfer, which is less than the usual overdraft fee.

And just like that, your purchase is approved.

With Overdraft Coverage, Truist may cover one-time debit and ATM transactions.

So if you need to make a $75 purchase but don’t have enough in your checking account, Truist may cover the difference.

An overdraft fee applies for every transaction of $5 or more that Truist pays. And again, your purchase is approved.

Your Overdraft Coverage decision does not affect whether checks, ACH, and recurring debit card transactions are covered. Truist may approve these at our discretion based on a variety of factors. Fees may apply.

If you have both Overdraft Protection and Overdraft Coverage, we’ll use Overdraft Protection first. You can avoid fees when you bring your balance positive with a deposit or transfer by the cut-off time that day.

Without either service, your debit card purchase will be declined.

Ready to sign-up for overdraft services? Give us a call, sign into your online account, or visit your local Truist branch.

For more information and a complete schedule of account-related fees, visit Truist.com/TheFacts.

[music ends]                                                         

Disclosure:

Our Overdraft Fee for consumer accounts is $36 per item and our Returned Item fee is $36 per item. We limit the total number of combined Overdraft and Returned Item Fees to 6 per day. In addition, if your account is overdrawn by less than $5 at the end of processing, you will not be charged Overdraft Fees. Returned Item Fees are not included in the $5 fee limitation.

We pay overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction. The payment of one or more overdrafts does not obligate the Bank to honor or pay future overdrafts, and you should not rely upon the Bank to honor or pay any overdraft.

You agree to deposit sufficient funds immediately to cover any overdraft and any fees assessed. Negative Account Balance (NAB) Fees may be assessed if your account remains overdrawn for seven consecutive calendar days. For accounts domiciled in IN, KY, NJ, OH and PA, a NAB Fee of $8 per day will be assessed to your account beginning on the seventh consecutive calendar day that your account is overdrawn and each day that your account remains overdrawn thereafter; the NAB Fee will be charged for a maximum of 30 calendar days for each occurrence or until the account balance is no longer negative. For accounts domiciled in AL, DC, FL, GA, MD, NC, SC, TN, TX, VA and WV, a NAB Fee of $36 will be assessed to your account on the seventh consecutive calendar day that your account remains overdrawn.

For Overdraft Protection, Overdraft Transfer Fees may apply. For transfer amounts under $5, no Overdraft Transfer Fee will be charged.

Please see Personal Services Pricing Guide for information related to fees.

Other fees

The best way to avoid account fees—like monthly maintenance fees—is to start with the right checking account or savings account for you. If you’ve done that, there are still a few others fees you should know about.

Paper statement fee

Help the environment and save $3 a month? Sign us up! Use this step-by-step guide to enroll in paperless statements.

ATM fees

You can use more than 4,000 Truist ATMs for free. And some checking accounts will waive fees a few times a month if you use a non-Truist ATM.

Stop payment fee

If you need to stop a transaction before it's complete, like a check you've written, a pending ACH transaction, or even a Zelle® transfer, a $35 fee will be issued.

Returned deposited fee

If you deposit a check, but the account that the check came from doesn't have the funds to cover it, you’ll will be charged $12.50 for domestic checks, or $30 for international checks, plus foreign bank fees.