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Truist One Checking account

No overdraft feesDisclosure 1

$50 minimum opening deposit

$12 - $0 monthly maintenance fee
With plenty of ways to waiveDisclosure 2

$100 Negative Balance Buffer for eligible clients.Disclosure 3

Start saving

Truist One Savings

$50 minimum opening deposit

$5 or $0 monthly maintenance fee
with ways to waiveDisclosure 4

Optional overdraft protection
Link Truist One Savings with an existing Truist checking account to automatically transfer available fundsDisclosure 5 to your checking account if needed.

Cash back

Truist Enjoy Cash Credit Card

No annual fee†Open Truist Enjoy Cash Credit Card Disclosure (opens in a modal)

Loyalty Cash Bonus
based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account.Disclosure 6

0% intro APR on purchases for 12 months after account opening†Truist Enjoy Cash Credit Card Disclosure (opens in a modal)

0% intro APR for 12 months after account opening on balance transfers made in the first 90 days after account opening†Truist Enjoy Cash Credit Card Disclosure (opens in a modal)

A 3% fee ($10 minimum) applies to each balance transfer†Truist Enjoy Cash Credit Card Disclosure (opens in a modal)

19.49% – 28.49% variable APR
on purchases and balance transfers after intro rate expires†Open Truist Enjoy Cash Credit Card Disclosure (opens in a modal)

Start banking

Small Business Checking

Earn $400 with Truist Simple Business or Dynamic Business Checking—new business checking clients only, terms apply.Disclosure 16

Truist Simple Business Checking
Straightforward—with no monthly maintenance fee. Perfect if you’re just starting out.

Truist Dynamic Business Checking
Fuel the pace of your small business. With more perks as your balances grow—and a true, local partnership.

Cash to achieve your goals

Home Equity Line of Credit

Choice of fixed or variable ratesDisclosure 9, Disclosure 10

Interest paid potentially tax-deductibleDisclosure 11

Borrow up to 89% of your home’s value

Ease your mortgage journey

Buy a home.

Low or no-down-payment optionsDisclosure 12

Online and in-person applications

Mortgage preapprovalsDisclosure 13

Supercharge your savings

Truist One Money Market Account

$50 minimum opening deposit

$12 or $0 monthly maintenance fee
with a way to waiveDisclosure 14

Earn interest
on your savings while you save for specific goals. See rates. for a Truist One Money Market Account.

Open account to get started with a Truist One Money Market Account.
Learn more about Truist One Money Market Account.

Automated

Truist Invest

$5,000 amount to start

0.85% annual program feeDisclosure 15

Help from financial advisors
when you need it.

Truist Invest is offered by Truist Advisory Services, Inc.

Schedule an appointment to get started with Truist Invest.
Learn more about Truist Invest.
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Disclosure ‡ Terms and Conditions for Truist One Checking $400 Online Offer 2025: TRUIST25DC400

Offer Information: Open a new Truist One Checking account online from 5/1/25 through 10/29/25, receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening and earn $400.

Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code TRUIST25DC400. Please refer to the Account Opening and Enrollment section below for full instructions.

*A qualifying Direct Deposit is an electronic credit (greater than $5.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency via ACH. Person to person payments (such as Zelle®) or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 5/1/24 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a mailing address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. In order to receive the reward, the new checking account must be open, not restricted, and in good standing with a balance of at least $0.01 at the time of Truist verification and at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per client and for one new qualifying checking account. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. 

Reward Forfeiture: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer prior to payout, (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed or restricted at the time of payout.

Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 7/31/26 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.

Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter TRUIST25DC400 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.

Version 2 03262025 TRUIST25DC400

Truist Bank, Member FDIC. ©2025, Truist Financial Corporation.  Truist, Truist Purple and the Truist Logo are service marks of Truist Financial Corporation. 

Disclosure 1 Truist does not charge overdraft related fees on this product. Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees. 

Disclosure 2 The Monthly Maintenance Fee can be waived for the Truist One Checking Account for each statement cycle by:

  • Making $500 or more in total qualifying Direct Deposits per statement cycle OR
  • Maintaining a total combined ledger balance, of $500 or more in Truist related accounts across personal deposits (excluding Truist HSA) and all investments as reflected on the business day before your statement cycle end date OR
  • Having a related Truist personal credit card, mortgage, or consumer loan, excluding LightStream® OR
  • Having a linked Small Business Checking account, OR
  • Primary client is a student under the age of 25 OR
  • Primary client is age 62 and older

See the Personal Deposit Accounts Fee Schedule for further details.

Disclosure 3 The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100.

All eligibility requirements below must be met to initially qualify for the $100 Negative Balance Buffer:

  • Account must be opened for a minimum of 35 calendar days
  • Account must be funded and have a positive balance
  • A single direct deposit of at least $100 per month must be made for 2 consecutive months

To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:

  • A recurring direct deposit 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.

Disclosure 4 The monthly maintenance fee can be waived by:

Maintain a minimum daily ledger balance of $300 OR

Schedule a recurring preauthorized internal transfer of $25 or more per statement cycle into the Truist One Savings account OR

Waived for a minor under the age of 18 OR

Waived with ANY related Truist checking product

Daily ledger balance: The actual balance in your account on a specific day and does not reflect any holds or pending transactions. Fees may reduce earnings.

See the Personal Deposit Accounts Fee Schedule for further details.

Disclosure 5 $5 is assessed, regardless of balance, for each withdrawal over six with a maximum of six Withdrawal Limit Fees per statement cycle. The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or money market account including those made at a branch, ATM, by mail or through any electronic means. The only transaction not counted toward the monthly limit of six are bank initiated transactions and transactions required for legal reason.

Disclosure 6 You will receive a 10% Loyalty Cash Bonus added to your cash redemption amount when you electronically deposit your Rewards redemption into your eligible Truist personal checking, personal savings, or personal money market account.

If you have a Truist Dimension Checking account or Signature Advantage Checking account and also electronically deposit your Cash Rewards redemption into your eligible Truist personal checking, personal savings, or personal money market account, you may receive either a 25% or 50% Loyalty Cash Bonus added to your cash redemption amount (based on your banking relationships at Truist as described below); if applicable, this 25% or 50% Loyalty Cash Bonus would replace the 10% Loyalty Cash Bonus described above.

If you have a Truist One Checking account and also electronically deposit your Cash Rewards redemption into your eligible Truist personal checking, personal savings, or personal money market account, you may receive either a 20%, 30%, 40% or 50% Loyalty Cash Bonus added to your cash redemption amount; if applicable, this 20%, 30%, 40% or 50% Loyalty Cash Bonus would replace the 10% Loyalty Cash Bonus described above.

We determine and award your Loyalty Cash Bonus at the same time as your cash back redemption. For Truist Dimension Checking account, Signature Advantage Checking account, and Truist One Checking account clients, we perform a calculation for each of the prior three (3) calendar months (“monthly review”); for each monthly review, this calculation determines the highest average monthly balance of your combined eligible consumer deposit and investment balances. We will use the highest average monthly balance amongst those three (3) monthly reviews to assign your Loyalty Cash Bonus percentage as follows:

Truist Dimension Checking account or Signature Advantage Checking account clients:

  • 50% Loyalty Cash Bonus if combined eligible consumer balances are $100,000 or greater.
  • 25% Loyalty Cash Bonus if combined eligible consumer balances are between $25,000 and $99,999.99.
  • 10% Loyalty Cash Bonus if combined eligible consumer balances are less than $25,000.

Truist One Checking account clients:

  • 50% Loyalty Cash Bonus if combined eligible consumer balances are $100,000 or greater.
  • 40% Loyalty Cash Bonus if combined eligible consumer balances are between $50,000 and $99,999.99.
  • 30% Loyalty Cash Bonus if combined eligible consumer balances are between $25,000 and $49,999.99.
  • 20% Loyalty Cash Bonus if combined eligible consumer balances are between $10,000 and $24,999.99.
  • 10% Loyalty Cash Bonus if combined eligible consumer balances are less than $10,000.

For the purposes of this Loyalty Cash Bonus, your deposit/investment relationship will be determined as of the last day of the month preceding redemption. However, we reserve the right to take up to five (5) business days to determine or update your deposit/investment relationship for each monthly review. The eligible Loyalty Cash Bonus percentage will be adjusted accordingly and will persist until we have completed the next monthly review. If you completed a cash back redemption prior to the next monthly review date, we will not retroactively review your Loyalty Cash Bonus percentage. Your eligible Loyalty Cash Bonus percentage may increase monthly but decrease only once every three (3) calendar months.

If you have either a Truist Dimension Checking account or Signature Advantage Checking account and a Truist One Checking account, during the monthly review we will determine which deposit relationship provides the higher Loyalty Cash Bonus percentage and award your Loyalty Cash Bonus at the same time as your cash back redemption.

If your electronic deposit is rejected for any reason, we will refund the Rewards amount redeemed back to your Rewards Account. You will not earn any Loyalty Cash Bonus on an attempted electronic deposit redemption that has been rejected.

For example:

Let’s say your monthly review for May shows that your highest average monthly balance across your combined eligible accounts is $10,000. For June it is $25,000, for July it is $110,000, for August it is $30,000, for September it is $10,000, and for October it is $10,000.

If you have either a Truist Dimension Checking account or Signature Advantage Checking account and redeem your Rewards into an eligible Truist deposit account in August, September, or October, you will receive a 50% bonus (because we will look to your July monthly review calculation). If you redeemed to an eligible Truist deposit account in November, you would receive a 25% bonus because your highest average monthly balance for the preceding three (3) calendar months was decreased to $30,000.

If you have a Truist One Checking account and redeem your Rewards into an eligible Truist deposit account in August, September, or October, you will receive a 50% bonus (because we will look to your July monthly review calculation). If you redeemed to an eligible Truist deposit account in November, you would receive a 30% bonus because your highest average monthly balance for the preceding three (3) calendar months was decreased to $30,000.

Disclosure 7 You may earn Rewards on Eligible Purchases made with your Card Account.

Rewards you will earn.

1% Rewards on all Eligible Purchases

You will earn one percent (1%) Rewards for each Eligible Purchase. This means that for each $1.00 in Eligible Purchases, you will earn $0.01 in Rewards value. There is no limit to the amount of one percent (1%) Rewards you can earn. 

2% Rewards on grocery store/supermarket Eligible Purchases

Subject to the Monthly Category Cap, you will earn two percent (2%) Rewards on Eligible Purchases at grocery stores/supermarkets. Purchases of groceries at certain merchants whose primary business is not grocery sales, such as gas stations, drug stores, convenience stores, or variety stores will not earn two percent (2%) Rewards but are eligible to earn one percent (1%) Rewards.

2% Rewards on utilities Eligible Purchases

Subject to the Monthly Category Cap, you will earn two percent (2%) Rewards for each Eligible Purchase spent on utilities, including telecommunication services (local and long distance calls, credit card calls, calls through use of magnetic-stripe-reading telephones, and fax services); cable, satellite and other pay television/radio/streaming services; electric, gas, water, and sanitary services. Purchases at certain merchants such as telecommunication equipment and telephone sales, telegraph services, and insurance premiums will not earn two percent (2%) Rewards but are eligible to earn one percent (1%) Rewards. 

3% Rewards on gas and electric vehicle charging Eligible Purchases

Subject to the Monthly Category Cap, you will earn three percent (3%) Rewards for each Eligible Purchase spent on gas at service stations, automated fuel dispensers, and electric vehicle charging stations. Purchases at certain merchants whose primary business is not the sale of automotive fuel (e.g., supermarkets, convenience stores, marinas, automotive repair shops, certain truck stops, warehouse clubs) and purchases of propane or kerosene fuels will not earn three percent (3%) Rewards but are eligible to earn one percent (1%) Rewards.

$1,000 Monthly Category Cap on 2% or 3% Eligible Purchases

Each month, you may earn two percent (2%) or three percent (3%) Rewards on up to $1,000 in combined Eligible Purchases made at merchants who are assigned a specific Merchant Category Code. Once you have reached the $1,000 monthly spend total for combined Eligible Purchases across those categories (“Monthly Category Cap”), you will no longer earn two percent (2%) or three percent (3%) Rewards on those purchases. Instead, you will earn one percent (1%) Rewards for all Eligible Purchases for the remainder of the month. The Monthly Category Cap is calculated based on Eligible Purchases made between the first calendar day of a month through the last calendar day of a month.

Eligible Purchase(s): refers to purchase Transactions less the following: credit chargebacks, credit losses, delinquency assessments, fees, and charges or other Transactions determined (in Truist’s sole reasonable discretion) to be unauthorized. The following items are also expressly not considered by Truist to be Eligible Purchases: (1) Cash Advances (via ATM or by any other means), (2) Quasi-Cash or Cash-Equivalent items (e.g., wire transfers, cryptocurrency, peer-to-peer payment platform transfers, travelers’ checks, money orders, foreign currency, lottery tickets, or gambling chips or wagers), (3) Convenience Checks, (4) Stored Value Cards (e.g., gift cards, prepaid cards, etc.), and (5) the purchase of Rewards incentives. 

Disclosure 8 You may earn Rewards on Eligible Purchases made with your Card Account.

Rewards you will earn.

1.5% Cash Rewards on all Eligible Purchases

You will earn one and a half percent (1.5%) Cash Rewards for each Eligible Purchase. This means that for each $1.00 in Eligible Purchases, you will earn $0.015 in Cash Rewards value. There is no limit to the amount of 1.5% Cash Rewards you can earn. 

Eligible Purchase(s): refers to purchase Transactions less the following: credit chargebacks, credit losses, delinquency assessments, fees, and charges or other Transactions determined (in Truist’s sole reasonable discretion) to be unauthorized. The following items are also expressly not considered by Truist to be Eligible Purchases: (1) Cash Advances (via ATM or by any other means), (2) Quasi-Cash or Cash-Equivalent items (e.g., wire transfers, cryptocurrency, peer-to-peer payment platform transfers, travelers’ checks, money orders, foreign currency, lottery tickets, or gambling chips or wagers), (3) Convenience Checks, (4) Stored Value Cards (e.g., gift cards, prepaid cards, etc.), and (5) the purchase of Rewards incentives.

Disclosure 9 Rates will vary with the market based on the Prime Rate + margin. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 7.50% as of 3/5/25. Standard APRs are variable during the 10-year draw period and 20-year repayment period and apply only to the variable rate option; are based on your collateral property location, credit line amount, combined Loan-To-Value (CLTV) ratio and other factors; and can range from Prime +0.00% (currently 7.50% APR) to Prime + 7.35% (currently 14.85% APR) (during the 20-year repayment period for this option, the APR will continue to be calculated at a variable rate and your minimum monthly payment will be 1/240th of the total balance at the end of the draw period, plus interest and any applicable fees/charges). The maximum APR is 16% for properties located in NC and 18% for properties located in AR, CA, FL, GA, TN, AL, SC, VA, MD, DC, WV, IN, KY, NJ, OH, PA, or TX.

HELOCs are only available for owner-occupied, single-family, primary and secondary residences and condominiums located in the Truist footprint and is not valid on manufactured homes or cooperatives. Credit criteria, exclusions and limitations apply. Property insurance is required, and, if applicable, flood insurance will be required. There is a $50 annual fee in AL, AR, CA, FL, GA, IN, KY, NJ, and OH.

Excellent credit is required to qualify for the lowest rates. At least 50% of approved applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/24 – 4/11/25.

Rates will vary if the client chooses for the bank to pay their closing costs, which is an option in some states if the requested loan amount is less than or equal to $500,000. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $10,000, and may vary by state. If you close your Truist Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs Truist paid on your behalf.

Disclosure 10 A fixed-rate option may be available on all or portions of your line. Fixed-rate options are priced based on creditworthiness, amount and term selected, will vary from your home equity line variable rate or any promotional rate and can range from 6.19% APR to 15.33% APR. There is a $15 fixed option set up fee. Fixed-rate/fixed-repayments term for 5, 10, 15 or 20 years and 30 years taken at time of closing with initial draw. Max of 5 fixed-rate draws open at one time. Draw minimum $5,000.

Disclosure 11 Consult your tax advisor regarding interest deductibility. A 1098 will be issued as required by law.

Disclosure 12 Certain program and geographic restrictions may apply, ask your loan officer for details. Borrowers should note that 100% mortgage financing will result in no property equity until such time as the loan principal is paid down through regular mortgage payments and/or the property value appreciates. Additionally, if property values decline you could owe more than your property’s value.

Disclosure 13 Preapproval is based on non-verified information and is not a commitment to lend by Truist. Loan approval will be subject to, but not necessarily limited to, verification of all income, asset and liability information provided by you, satisfactory property appraisal, compliance with Truist Mortgage loan program guidelines and all required closing conditions such as survey and title examination.

Disclosure 14 Waive the $12 monthly maintenance fee by maintaining a minimum daily ledger balance of $15,000 or more. Daily ledger balance: The actual balance in your account on a specific day and does not reflect any holds or pending transactions. Fees may reduce earnings.

Disclosure 15 Other fees may apply.

Disclosure 16 Terms and Conditions for the Truist Small Business Checking Q2 & Q3 2025 Offer: SB25Q2CHECKING:

Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/1/2025 through 9/30/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code SB25Q2CHECKING to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment section below for instructions.

*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Offer Eligibility: You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 10/3/2024), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The account opened for this offer must have the same account ownership with matching client Taxpayer Identification Number (TINs). The business’s physical address must be located in one of the following states: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new business checking account within 4 weeks after the qualification requirements have been met and verified. In order to receive the reward, the new business checking account must be open, not restricted, and in good standing with a balance of at least $0.01 at the time of Truist verification and at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per client and for one new qualifying business checking account. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the new business checking account is changed to an account type not included in this offer prior to payout, (2) the new business checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or, (3) the new business checking account is closed or restricted at the time of payout.

Other Terms: Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist's Business Deposit Accounts Fee Schedule for additional information.

The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. Truist reserves the right, in its sole discretion, to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 3/31/2026, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.

Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB25Q2CHECKING is entered into the Promo Code field and accept the offer when presented.  Accounts opened online without the Promo Code will not be eligible to participate in the offer.

Branch Account Opening & Promotion Enrollment Instructions: Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the Truist Small Business Checking Q2 & Q3 2025 Offer using promo code SB25Q2CHECKING. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800-709-8700.

Version 1 02282025 SB25Q2CHECKING

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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 McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). 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 (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV 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. 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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