Truist Dimension Checking account

Truist Dimension Checking

Increase your balance, increase your rewards. Truist Dimension Checking has three rewards levels.

$20

Monthly maintenance fee—with plenty of ways to waive1

$50

Minimum opening deposit

Earn interest on your money2

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Compare rewards levels

Dimension Core

$0 - $25,000
Account balance
10%
Credit Card Loyalty Bonus3
$95
Delta SkyMiles Debit Card annual fee4
1
No-fee, non-Truist ATM transaction per statement cycle5

Dimension Select

$25,000–$100,000
Account balance
25%
Credit Card Loyalty Bonus3
$75
Delta SkyMiles Debit Card annual fee4
3
No-fee, non-Truist ATM transactions per statement cycle5

Dimension Premier

$100,000+
Account balance
50%
Credit Card Loyalty Bonus3
$25
Delta SkyMiles Debit Card annual fee4
Unlimited
No-fee, non-Truist ATM transaction per statement cycle5

More details about Truist Dimension Checking

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Benefits

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  • Up to four other, fee-free checking accounts6
  • No monthly maintenance fee for a Truist Savings account
  • $25 discount on any safe deposit box7
  • Free money orders and official checks
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Why it’s a good fit

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  • Want to earn interest on your money2 
  • Have an average of $3,000 a month in direct deposits or $10,000 monthly average balance in your Truist checking and savings sccounts
  • Are interested in a Delta SkyMiles Debit Card or a Truist credit card
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Fee information

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Any of these will waive the $20 monthly maintenance fee:

  • Make $3,000 or more in total qualifying direct deposits per statement cycle8
  • Maintain a combined total monthly average ledger balance9, 10, of $10,000 or more with Truist related accounts11 across personal deposits and all investments per statement cycle
  • Have a related personal Truist credit card, mortgage or consumer loan12
  • Have a linked small business checking account13

Want more details? See our account fees and disclosures

Ready to open an account? It’s so simple.

Step 1

Tell us about yourself.

We’ll need some personal information, including your Social Security number.

Step 2

Make your first deposit.

Your new account may have a minimum opening deposit.

Step 3

Dive into digital banking.

Check balances, make deposits, and move money—wherever life takes you.

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Let’s get started.

Spending's set.
What about savings?

Pay yourself first and save up for a goal—or just a rainy day.

Get what you want faster.

Interest rates on savings accounts are typically higher than checking accounts.

Prevent overdraft.

Link your accounts with Overdraft Protection.

See the big picture.

Digital banking makes it easy to track how you spend and save, and plan for the future.

Explore options
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1 How to waive the Truist Dimension Checking $20 monthly maintenance fee:

  • Make $3,000 or more in total qualifying direct deposits per statement cycle or
  • Maintain a combined total monthly average ledger balance of $10,000 or more with Truist related accounts11 11 across personal deposits and all investments per statement cycle or
  • Have a related personal Truist credit card, mortgage or consumer loan12
  • Have a linked Small Business Checking account

2 Minimum opening deposit is $50. The Interest Tier earned is based on the following ledger balance tiers: Tier 1 – $0.01 to $2,499.99; Tier 2 – $2,500 to $9,999.99; Tier 3 – $10,000 to $24,999.99; Tier 4 – $25,000 to $49,999.99; Tier 5 – $50,000 to $99,999.99; Tier 6 – $100,000 and greater. For Dimension Checking, the Annual Percentage Yield (APY) is currently 0.01% for Tiers 1–6, and the minimum account balance to obtain APY is $0.01. Rates may change at any time, including after the account is opened. Fees may reduce earnings. Please see fee information in the Personal Deposit Accounts Fee Schedule. Interest is calculated and compounded daily on the collected balance and credited to your account monthly.

3 Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus based on their credit card product type, the method by which they redeem, and their deposit relationship(s) at Truist. More information on this rewards bonus option can be found within the Rewards Program Terms and Conditions applicable to the client’s respective credit card; restrictions apply. Truist credit cards are subject to credit approval.

4 The Delta SkyMiles® Debit Card Annual Fee is charged 45 days after the open date of the card. For Truist Dimension Checking accounts, the initial Annual Fee will be based on the sum of highest monthly average ledger balance of your combined eligible Truist consumer deposit balances on that date. Eligible Truist consumer deposit balances includes all checking, savings, Certificate of Deposit, Individual Retirement Account and/or all investments through Truist Investment Services, Inc. titled in the owner or the co-owners name. Thereafter, for Truist Dimension and Signature Advantage Checking (no longer offered), we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee. Annual Fee tiers are defined as follows: a) Highest 3-month average ledger balance of less than $25,000 is charged an annual fee of $95 b) Highest 3-month average ledger balance of at least $25,000 and less than $100,000 is charged an annual fee of $75 and c) Highest 3-month average ledger balance of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For Truist Wealth and Truist Asset Management Checking account clients, the annual fee will be discounted to $0. For Delta SkyMiles® cards opened before July 15, 2015 and not associated with a Truist Dimension Checking or Signature Advantage Checking Account, the annual fee is $95. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date.

5 One Truist fee assessed for transactions done at non-Truist ATMs is waived and one ATM surcharge fee will be refunded for Dimension Core accounts per statement cycle. Up to three Truist fees assessed for transactions done at non-Truist ATMs are waived and three ATM surcharge fees will be refunded for Dimension Select accounts per statement cycle. Unlimited Truist fees assessed for transactions done at non-Truist ATMs are waived and unlimited ATM surcharge fees will be refunded for Dimension Premier accounts per statement cycle.

6 Up to four additional fee-free checking accounts are available with no monthly maintenance fee when linked to a Dimension Checking account.

7 Dimension Checking clients are eligible to receive a $25 discount on the annual rental fee of any size safe deposit box. Boxes and box size are subject to availability.

8 Direct deposit: A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.

9 The sum of the monthly average balances in linked Truist deposit accounts (checking, savings, money market, CDs/IRAs).

10 Balances from investments or brokerage accounts introduced through Truist Investment Services, Inc. are reflected on the last day of the statement cycle.

11 Related accounts: Accounts are automatically related based on the primary and secondary owners of the account.

12 Related personal Truist credit card, mortgage, or loan: Must be a related Truist personal credit card, personal mortgage, or consumer loan (including LightStream®).

13 Linked Small Business Checking Account: Eligible Small Business account types to be linked include, Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and Business Value 200.

Disclosures

Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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