Truist: Open an account

Select a category to open your new account.

Loading

Featured

Automatic upgrades

Truist One® Checking account

No overdraft feesDisclosure 1

$50 minimum opening deposit

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

Balance Buffer for eligible clients.Disclosure 3

Premium account

Truist Marquee℠ Checking account

Earns interestDisclosure 4

$100 minimum opening deposit

$35 or $0 monthly maintenance fee
With options to waiveDisclosure 5

Waived fees at non-Truist ATMs in the U.S. and internationallyDisclosure 6

Start saving

Truist One® Savings

$50 minimum opening deposit

$5 or $0 monthly maintenance fee
with ways to waiveDisclosure 7

Optional overdraft protection
Link Truist One Savings with an existing Truist checking account to automatically transfer available fundsDisclosure 8 to your checking account if needed.

Supercharge your savings

Truist One® Money Market Account

$50 minimum opening deposit

$12 or $0 monthly maintenance fee
with a way to waiveDisclosure 9

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

Start banking

Small Business Checking

Open a new eligible small business checking account— and earn up to $800 with qualifying activities.Disclosure 10

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 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 11

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)

18.74% - 27.74% variable APR
on purchases and balance transfers after intro rate expires†Open Truist Enjoy Cash Credit Card Disclosure (opens in a modal)

Take advantage of our special offer now through August 31, 2026

Home Equity Line of Credit

Withdraw only what you need

Ready access to funds for unexpected expenses

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

Automated

Truist Invest

$5,000 amount to start

0.85% annual program feeDisclosure 14

Help from financial advisors
when you need it.

Tap into your home's equity

Home Equity Loan

Fixed rates
Predictable payments help you budget precisely.

Upfront funds
Receive a lump sum—ideal for one-time expenses.

Multiple uses
Improve your home, consolidate debt, or make a big purchase.

Component ID : "accordionGridLayout-1064765154"
Model : "disclaimer"
Position : "left"

Disclosure ‡ Terms and Conditions: Truist Checking $500 Offer:

Offer Information: Open a new Truist One Checking account or Truist Marquee Checking account online, in a branch or by phone from 7/14/26 through 2/2/27 and earn $500 after you complete the following qualifying activities within 120 days of the account opening (the day after your account is opened is considered day 1). All required transactions for qualifying activities must post to the enrolled account within the 120-day qualification period.

  • Receive at least two qualifying direct deposits* totaling $2,000 or more, AND
  • Complete at least 20 qualifying debit card purchases** 

Enrollment in the promotion is required (see Enrollment Instructions). A valid promo code must be applied at account opening to enroll in the promotion and cannot be added after the account is opened. Promo codes are single-use only, should not be shared, and once redeemed, the promo code will no longer be valid.

*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH.  Person to person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions.  Zelle® transactions are not qualifying transactions. Bank fees are not included.

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 7/14/25 are not eligible to participate. Offer valid for Truist One Checking accounts and Truist Marquee Checking accounts only. The new checking account cannot be changed to an account type not included in this client offer. 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 is available only to U.S. residents with a valid U.S. taxpayer identification number. The client must have a physical 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 10 business days after the qualification requirements have been met. The Promotion is only applicable once per checking account and per client. 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 will occur if at the time of attempted payout the new checking account: (1) has a $0.00 or negative current balance or (2) is restricted or closed. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account.

Other Terms: The minimum opening deposit for Truist One Checking is $50. The minimum opening deposit for Truist Marquee Checking is $100. 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. For Truist Marquee Checking, the Annual Percentage Yield (APY) is 0.01% for all balances $0.01 and above. The APY is accurate as of 7/14/26 and subject to change at any time, including after account opening. Fees may reduce earnings. All standard account terms and conditions apply.

Enrollment Instructions: Online: A valid promo code must be entered in the promo code field during account opening and the offer must be accepted when presented. By Phone or In Person: Request enrollment in the promotion using a valid promo code during account opening. Once enrolled in the promotion, progress updates are available through Truist Online and Mobile Banking or by calling 800-423-0948.

Version 2 06032026

Truist Bank, Member FDIC. ©2026, Truist Financial Corporation. Truist, Truist Purple and the Truist Logo are service marks of Truist Financial Corporation.

Just a moment : loading interest rates

See the Personal Deposit Accounts Fee Schedule for further details.

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:

  • Make $500 or more in total qualifying Direct Deposits per statement cycle. 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 at a branch, ATM, by online transfer, mobile device, debit card/prepaid card number, or mail are not eligible to meet this requirement. OR
  • Maintain a total combined ledger balance of $500 or more in your Truist related accounts. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA) and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. OR
  • Have a related Truist personal credit card, mortgage, or consumer loan including LightStream®. OR
  • Have a linked Small Business Checking account. Eligible Small Business account types to be linked include: Truist Dynamic Business Checking, Business Interest Checking, Simple Business Checking and Business Value 200. OR
  • Primary client is a student. The waiver expires on the anticipated graduation date provided by the client. OR
  • Primary client is under the age of 25 or age 62 and older. For clients under the age of 25, the waiver expires on the 25th birthday of the primary account owner.

Disclosure 3 The 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 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 made within the last 35 calendar days

To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met:

  • A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.

For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned. For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Disclosure 4 Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Fees may reduce earnings. Interest rates are variable and can change at any time at the bank's discretion. All interest rates have a corresponding Annual Percentage Yield (APY).

Disclosure 5 The Monthly Maintenance Fee can be waived for the Truist Marquee Checking account for each statement cycle by:

  • Maintain a total combined ledger balance of $250,000 or more in your Truist related accounts. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA), Trust Department Investment Management Accounts, Revocable Trust Accounts and IRAs, and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions).  Truist HSA is excluded from total combined ledger balance. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. OR
  • Meet Truist Wealth relationship requirements of $1,000,000 of personal qualified investment assets at Truist or qualifications under Specialty Wealth Medical, Legal, Sports & Entertainment, or International criteria.

Disclosure 6 The non-Truist ATM transaction fee is charged per withdrawal, balance inquiry or transfer when using a non Truist ATM. Truist Marquee Checking accounts receive unlimited non Truist ATM Fee waivers, Non Truist International ATM Fee waivers, and surcharge rebates. There is no limit on the surcharge rebates for Truist Marquee Checking.

Disclosure 7 The Monthly Maintenance Fee can be waived for the Truist One Savings account by:

  • Maintain a minimum daily ledger balance of $300. A Ledger Balance is the actual balance in your account on a specific day and does not reflect any holds or pending transactions. 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. The waiver for an account owner under age 18 (minor) requires that the Minor is listed as the primary account owner. The waiver is applied automatically at account opening and expires on the 18th birthdate of the minor. On the date when the minor turns the age of 18, the account is subject to all applicable fees, including the Monthly Maintenance Fee unless at least one waiver criterion is satisfied. OR
  • Waived with any related Truist checking product. Related accounts automatically includes all applicable accounts associated with primary and secondary account owners. Note: The Truist Confidence Account is not an eligible product to waive the MMF for the Truist One Savings account

Disclosure 8 $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 9 Waive the $12 monthly maintenance fee by maintaining a minimum daily ledger balance of $15,000 or more. A daily ledger balance is the actual balance in your account on a specific day and does not reflect any holds or pending transaction.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}}

Disclosure 10 Terms and Conditions: Truist Small Business Checking Up to $800 Promotion

Offer Information:

Open a new Truist Simple Business Checking or Truist Dynamic Business Checking account online, by phone, or in a branch from 07/14/26 through 3/24/2027 and earn up to $800 after you complete the following qualifying activities (the reward amount earned is based on the balance achieved and maintained):

Earn $400:

  • Deposit at least $2,500 to the enrolled account within 30 days of account opening. Your Current Balance must be at least $2,500 on day 30 (the day after your account is opened is considered day 1).
  • AND maintain a daily Current Balance of at least $2,500 from day 30 through day 90 (the day after your account is opened is considered day 1).

OR

Earn $800:

  • Deposit at least $10,000 into the enrolled account within 30 days of account opening. Your Current Balance must be at least $10,000 on day 30 (the day after your account is opened is considered day 1).
  • AND maintain a daily Current Balance of at least $10,000 from day 30 through day 90 (the day after your account is opened is considered day 1).

Current Balance (also known as ledger balance) is the actual amount in your account and does not change throughout the day. It does not include holds or pending transactions. If your Current Balance falls below $10,000 from day 30 through day 90, you will still remain eligible to earn the $400 reward if all other qualification requirements have been met. Enrollment in the promotion is required (see Enrollment Instructions). A valid promo code must be applied at account opening to enroll in the promotion and cannot be added after the account is opened. Promo codes are single-use only, should not be shared, and once redeemed will no longer be valid.

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 business checking account with Truist within 365 days prior to the promotion start date (on or after 7/14/2025), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). Offer valid for Simple Business Checking accounts and Dynamic Business Checking accounts only. The new checking account cannot be changed to an account type not included in this client offer. Client is not eligible for this offer if the grantor on a Trust account or primary owner, controlling person, or beneficial owner is already enrolled in this promotion. For accounts opened using a Social Security number (SSN), the primary account holder must be 18 years or older at time of account opening and must have a valid U.S. TIN. The business’s physical address must be located in 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 into the new checking account within 10 business days after the qualification requirements have been met. The $800 reward, if applicable, will be deposited in two separate $400 payments. The Promotion is only applicable once per checking account and per client. 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 will occur if at the time of attempted payout, the new checking account: (1) has a $0.00 or negative current balance or (2) is restricted or closed. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account.

Other Terms:

Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business checking accounts whose average daily 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: 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 standard account terms and conditions apply.

Enrollment Instructions:

Online: A valid promo code must be applied in the promo code field during account opening and the offer must be accepted when presented.

By Phone or In Person: Request enrollment in the promotion using a valid promo code during account opening. Once enrolled in the promotion, progress updates are available through Truist Online and Mobile Banking or by calling 800-423-0948.

Version 5 06052026

Disclosure 11 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 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 Other fees may apply.

See the Personal Deposit Accounts Fee Schedule for further details.

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:

  • Make $500 or more in total qualifying Direct Deposits per statement cycle. 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 at a branch, ATM, by online transfer, mobile device, debit card/prepaid card number, or mail are not eligible to meet this requirement. OR
  • Maintain a total combined ledger balance of $500 or more in your Truist related accounts. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA) and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. OR
  • Have a related Truist personal credit card, mortgage, or consumer loan including LightStream®. OR
  • Have a linked Small Business Checking account. Eligible Small Business account types to be linked include: Truist Dynamic Business Checking, Business Interest Checking, Simple Business Checking and Business Value 200. OR
  • Primary client is a student. The waiver expires on the anticipated graduation date provided by the client. OR
  • Primary client is under the age of 25 or age 62 and older. For clients under the age of 25, the waiver expires on the 25th birthday of the primary account owner.

Disclosure 3 The 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 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 made within the last 35 calendar days

To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met:

  • A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.

For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned. For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Disclosure 4 Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Fees may reduce earnings. Interest rates are variable and can change at any time at the bank's discretion. All interest rates have a corresponding Annual Percentage Yield (APY).

Disclosure 5 The Monthly Maintenance Fee can be waived for the Truist Marquee Checking account for each statement cycle by:

  • Maintain a total combined ledger balance of $250,000 or more in your Truist related accounts. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA), Trust Department Investment Management Accounts, Revocable Trust Accounts and IRAs, and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions).  Truist HSA is excluded from total combined ledger balance. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. OR
  • Meet Truist Wealth relationship requirements of $1,000,000 of personal qualified investment assets at Truist or qualifications under Specialty Wealth Medical, Legal, Sports & Entertainment, or International criteria.

Disclosure 6 The non-Truist ATM transaction fee is charged per withdrawal, balance inquiry or transfer when using a non Truist ATM. Truist Marquee Checking accounts receive unlimited non Truist ATM Fee waivers, Non Truist International ATM Fee waivers, and surcharge rebates. There is no limit on the surcharge rebates for Truist Marquee Checking.

Disclosure 7 The Monthly Maintenance Fee can be waived for the Truist One Savings account by:

  • Maintain a minimum daily ledger balance of $300. A Ledger Balance is the actual balance in your account on a specific day and does not reflect any holds or pending transactions. 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. The waiver for an account owner under age 18 (minor) requires that the Minor is listed as the primary account owner. The waiver is applied automatically at account opening and expires on the 18th birthdate of the minor. On the date when the minor turns the age of 18, the account is subject to all applicable fees, including the Monthly Maintenance Fee unless at least one waiver criterion is satisfied. OR
  • Waived with any related Truist checking product. Related accounts automatically includes all applicable accounts associated with primary and secondary account owners. Note: The Truist Confidence Account is not an eligible product to waive the MMF for the Truist One Savings account

Disclosure 8 $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 9 Waive the $12 monthly maintenance fee by maintaining a minimum daily ledger balance of $15,000 or more. A daily ledger balance is the actual balance in your account on a specific day and does not reflect any holds or pending transaction.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}}

Disclosure 10 Terms and Conditions: Truist Small Business Checking Up to $800 Promotion

Offer Information:

Open a new Truist Simple Business Checking or Truist Dynamic Business Checking account online, by phone, or in a branch from 07/14/26 through 3/24/2027 and earn up to $800 after you complete the following qualifying activities (the reward amount earned is based on the balance achieved and maintained):

Earn $400:

  • Deposit at least $2,500 to the enrolled account within 30 days of account opening. Your Current Balance must be at least $2,500 on day 30 (the day after your account is opened is considered day 1).
  • AND maintain a daily Current Balance of at least $2,500 from day 30 through day 90 (the day after your account is opened is considered day 1).

OR

Earn $800:

  • Deposit at least $10,000 into the enrolled account within 30 days of account opening. Your Current Balance must be at least $10,000 on day 30 (the day after your account is opened is considered day 1).
  • AND maintain a daily Current Balance of at least $10,000 from day 30 through day 90 (the day after your account is opened is considered day 1).

Current Balance (also known as ledger balance) is the actual amount in your account and does not change throughout the day. It does not include holds or pending transactions. If your Current Balance falls below $10,000 from day 30 through day 90, you will still remain eligible to earn the $400 reward if all other qualification requirements have been met. Enrollment in the promotion is required (see Enrollment Instructions). A valid promo code must be applied at account opening to enroll in the promotion and cannot be added after the account is opened. Promo codes are single-use only, should not be shared, and once redeemed will no longer be valid.

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 business checking account with Truist within 365 days prior to the promotion start date (on or after 7/14/2025), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). Offer valid for Simple Business Checking accounts and Dynamic Business Checking accounts only. The new checking account cannot be changed to an account type not included in this client offer. Client is not eligible for this offer if the grantor on a Trust account or primary owner, controlling person, or beneficial owner is already enrolled in this promotion. For accounts opened using a Social Security number (SSN), the primary account holder must be 18 years or older at time of account opening and must have a valid U.S. TIN. The business’s physical address must be located in 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 into the new checking account within 10 business days after the qualification requirements have been met. The $800 reward, if applicable, will be deposited in two separate $400 payments. The Promotion is only applicable once per checking account and per client. 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 will occur if at the time of attempted payout, the new checking account: (1) has a $0.00 or negative current balance or (2) is restricted or closed. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account.

Other Terms:

Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business checking accounts whose average daily 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: 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 standard account terms and conditions apply.

Enrollment Instructions:

Online: A valid promo code must be applied in the promo code field during account opening and the offer must be accepted when presented.

By Phone or In Person: Request enrollment in the promotion using a valid promo code during account opening. Once enrolled in the promotion, progress updates are available through Truist Online and Mobile Banking or by calling 800-423-0948.

Version 5 06052026

Disclosure 11 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 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 Other fees may apply.

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/

Site footer

Footer Navigation

Banking products
About Truist
Resources
Support

© 2026, Truist. All Rights Reserved.