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Savings accounts Savings for a sunny day

A house. Vacation. Tickets to a show. Whatever you want—your savings account can help you get it. 

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Our savings accounts

Minimum opening deposit
Fee information
Account highlights

Truist One Savings

Open now a Truist One Savings account. Tell me more about Truist One Savings.
  • $50
    • $5 or
    • $0 monthly maintenance fee if you:

      • Have any related1 Truist personal checking account OR
      • Maintain a minimum daily ledger balance of $3002, or more OR
      • Schedule a preauthorized internal transfer of $25 or more per statement cycle OR
      • Are under 18 years of age3
    • The cash in your Truist One Savings account may be used to get extra benefits in your Truist personal checking accounts, including Truist One Checking.
    • Get Overdraft Protection for your Truist personal checking account with no overdraft transfer fees.
    • Earn interest.
    • Feel more financially confident by establishing a separate emergency fund or staying focused on specific goals.

Truist One Money Market Account

Open now a Truist One Money Market account. Tell me more about One Money Market.
  • $50
    • $12 or
    • $0 monthly maintenance fee if you maintain a minimum daily ledger balance2 of $1,000 or more.

      • No fee for the first 6 withdrawals each statement cycle4

      • Waive the $3 Paper Statement fee by enrolling in paperless statements.
    • The cash in your Truist One Money Market account may be used to get extra benefits in your Truist personal checking accounts, including Truist One Checking.
    • Link to your Truist personal checking account for Overdraft Protection. Truist One Money Market Account automatically transfers available funds to your checking account to allow transactions to go through—no transfer fees attached.
    • Earn interest.
    • Spend straight from this account using a debit card or checks.

Truist Certificates of Deposit

Find a branch a Truist Certificates of Deposit. Tell me more about certificates of deposit
  • $1,000 – Terms 32 days and greater $2,500 – Terms 7 to 31 days
    • $0 monthly maintenance fee
    • $1,000 account minimum

Truist Confidence Savings

Open now a Truist Confidence Savings account. Tell me more about Truist Confidence Savings.
  • $25
    • $0 monthly maintenance fee

      • No overdraft-related fees5

      • No fee for the first 6 withdrawals each statement cycle4

      • $2 Paper Statement Fee that can be waived with paperless enrollment8
    • You need to have a Truist Confidence Account to open Confidence Savings.
    • Link Confidence Savings to provide overdraft protection5 for your Confidence Account.
    • Earn interest.

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

Step one

Share your basic info for account setup.

We’ll need some personal information to get your account started.

Make your first deposit.

Most accounts have a minimum opening deposit.

Get started here.

Open now

Check out Truist One Checking.

We changed how we thought about checking accounts—so you don’t have to think about them again.

Truist One Checking has all the benefits you care about—no overdraft fees,5 coverage when you accidentally overspend,6 and a credit card loyalty bonus.7 The best part? The benefits increase as your balances grow. Automatically.

Learn more about Truist One Checking.
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Truist Enjoy Cash credit card

Earn unlimited cash back and build credit—all with one card. Sounds like a win-win.

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*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. Transactions that exceed the account balance will typically be declined or returned.

1 Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account. Note: The Truist Confidence Account is not an eligible product to waive the monthly maintenance fee for the Truist One Savings account.

2 Daily Ledger Balance: The actual balance in your account on a specific day, and does not reflect any holds or pending transactions.

3 Monthly Maintenance Fee (MMF): Waiver for an account holder under age 18 (minor) requires that the Minor is listed as the primary 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 criterion is satisfied.

4 Withdrawal Limit Fee is assessed, regardless of balance, for each withdrawal over six with a maximum of six Withdrawal Limit Fees per statement cycle.

5 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. Transactions that exceed the account balance will typically be declined or returned.

6 All eligibility requirements below must be met to 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

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.

The $100 Negative Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. Initial and ongoing eligibility requirements apply. If the $100 Negative Balance Buffer is not available (and the account does not have Overdraft Protection), transactions that exceed the account balance will typically be declined or returned.

7 We determine and award your Loyalty Cash Bonus at the same time as your cash back redemption. For 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 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

8 Paperless Online Statement: Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail or a $2 monthly fee applies. Online Banking is required to access Paperless Online Statements.

Disclosures

Truist Bank, Member FDIC. © 2023 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

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.

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.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation 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. Deposit products are offered by Truist Bank.

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 the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance 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.

  • Limited English Proficiency Support
  • New York City residents

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

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