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Earn up to $1,200.1

Open a Truist One Checking Account AND either a Truist One Savings or a Truist One Money Market Account on the same day. Then make qualifying deposits.

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How it works

Open a new Truist One Checking Account and a new Truist One Savings or Truist One Money Market Account on the same day. Open your new accounts by February 17, 2023.

Open a new Truist One Checking Account and a new Truist One Savings or Truist One Money Market Account on the same day. Open your new accounts by February 17, 2023.

Enjoy extra forgiveness—and perks galore with Truist One Checking.

  • No overdraft fees and $100 Negative Balance Buffer2 for eligible clients
  • Automatic upgrades to the next level when your balances hit the next threshold.
  • Five benefit levels,3 each bringing more perks4
  • Five ways to waive the $12 monthly maintenance fee5

And your new savings account helps because as your total Truist portfolio balance3 increases, so do your perks.

Truist One Savings Account

Build toward your goals

  • Earn interest.
  • Sock away an emergency fund.
  • Link to Truist One Checking for overdraft protection. 
  • Easily waive the $5 monthly maintenance fee if you have a related7 Truist personal checking account.

Truist One Money Market Account

Flexibility to spend when you need6

  • Earn interest.
  • Spend with checks or a debit card6 .
  • Link to Truist One Checking for additional overdraft protection.
  • Waive the $12 monthly maintenance fee by maintaining a minimum daily ledger8 balance of $1,000 or more.
Set up and receive two direct deposits<sup><a href="#disc9" name="disclaimer-sup">9</a></sup> into your new Truist One Checking Account.

Set up and receive two direct deposits9 into your new Truist One Checking Account.

Earn a $200 reward when you receive two qualifying direct deposits into your Truist One Checking Account, totaling at least $1,000 within 90 days of account opening.

Earn an additional cash reward by:

Earn an additional cash reward by:

  • Depositing $10,000 or more into the new money market or savings account within 30 days of account opening AND
  • At 90 days from account opening, the savings/money market account balance will be evaluated. The reward earned will be based on that day’s available balance according to the table below and will not be greater than the reward level identified on day 30. 

Your cash bonus will be based on your lowest savings account balance at day 30 and day 90:

Deposit balance levels Savings reward
$10,000-$24,999.99 $100
$25,000-$49,999.99 $250
$50,000-$74,999.99 $500
$75,000-$99,999.99 $750
$100,000+ $1,000

Keep in mind that your savings reward cannot exceed the maximum level set at day 30. For example, if you have a balance of $25,000 at day 30 but the balance has reduced to $15,000 at day 90, then the maximum savings reward would be $100. 

See full terms and conditions below.

Ready to earn up to $1,200?1

Open your new accounts by February 17, 2023.

Get started
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1 Teammate Instructions for Enrolling Clients in the Offer: Enrollment in the promotion is required and must be completed in the Promotions Center at the time of account opening using Promo Code T1CHKPLUSQ123 and indicating the last four digits of the checking account number opened.   

Terms and Conditions for the “Truist One Checking plus savings Offer Q1 2023”: 

Offer Information:  Earn up to $1,200 for opening both a new Truist One Checking account and Truist One Money Market Account (MMA) or Truist One Savings account on the same day, from 1/10/2023 through 2/17/2023 and meeting the following qualifications for each account. 

  • Earn $200 by opening a new Truist One Checking account and completing at least 2 qualifying Direct Deposits* totaling $1,000 or more within 90 days of account opening into the new Truist One Checking account, AND
  • Earn up to an additional $1,000 by opening a new Truist One MMA or Truist One Savings account on the same day as the new checking account and completing these requirements:
    • At 30 days from account opening, clients must have a minimum available balance in the Truist One MMA or Truist One Savings according to the table below. Only deposits made to the new eligible MMA or savings account through 30 days of account opening will be considered for qualification and the maximum reward level will be set, THEN
    • At 90 days from account opening, the savings/MMA account balance will be evaluated. The reward earned will be based on that day’s available balance according to the table below and will not be greater than reward-level identified at day 30. For example, if client has balance of $25,000 at day 30 but at day 90, balance has reduced to $15,000, maximum savings reward would be $100. If the available balance has fallen below $10,000, no reward will be earned. 
Savings Reward Available Truist One Money Market Account or Truist One Savings account Deposit Requirement –
Balance Levels at 30 Days of Account Opening and as of 90 Days from Account Opening
$100 Balance = $10,000 - $24,999.99
$250 Balance = $25,000 - $49,999.99
$500 Balance = $50,000 - $74,999.99
$750 Balance = $75,000 - $99,999.99
$1,000 Balance = $100,000 or more

*A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security, or other regular monthly income deposited into your new checking account by your employer or outside agency. 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.

Enrollment in the promotion is required. Accounts opened without the Promo Code T1CHKPLUSQ123 applied to the checking account at account opening will not be eligible for the promotion.

Offer Eligibility:  Offer is only available to individuals who received a direct communication from Truist. Clients with an existing personal checking account, savings account, or MMA with Truist or who have closed any of the aforementioned deposit accounts with Truist on or after 1/10/22 are not eligible to participate. The eligible accounts must be opened on the same day and with the same account ownership. 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 in a Truist branch in one of the following states or online and have a mailing address in: AL, AR, GA, FL, 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 4 weeks of verifying all qualification requirements as stated above. 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: The new checking account and MMA or savings account must remain open and in good standing with a balance ≥ $0.01 until the reward is processed in order to receive the reward. Reward forfeiture will occur if: (1) the checking account and/or the MMA/savings account are changed to an account type not included in this client offer, (2) the checking account and/or the MMA/savings account is closed prior to the reward being processed, or (3) the new checking or savings account and/or MMA/savings account has a negative available balance at the time of qualification validation. 

Other Terms:  Minimum opening deposit for eligible products is $50 per product. 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 our sole discretion to prohibit a reward payout to non-eligible individuals for any offers claimed through third-party websites with no affiliation or prior authorization from Truist. All promotional payouts will be processed no later than 8/30/2023 at which point, no further disbursements will be made.  For the Truist One Money Market Account interest tier earned is based on the following ledger balance tiers: Tier 1 – $999.99 or less; Tier 2 – $1,000 to $9,999.99; Tier 3 – $10,000 to $49,999.99; Tier 4 – $50,000 to $99,999.99; Tier 5 – $100,000 to $249,999.99; Tier 6 –$250,000 or more. The variable interest rate is 0.01% for Tiers 1-6. The variable annual percentage yield (APY) is 0.01% for Tiers 1-6. The standard interest rate and APY are both 0.01% for Tiers 1- 6. The APY for Truist One Savings is currently 0.01% and the minimum account balance to obtain APY is $0.01. At the bank’s discretion, the variable interest rate and APY may change to our standard interest rate and APY at any time. The interest rates and APYs are accurate as of January 10, 2023, apply to all states within Truist’s footprint, and are subject to change without notice at any time, including after the account is opened. Maintenance and service fees apply. Fees may reduce earnings.

ACCOUNT OPENING & ENROLLMENT INSTRUCTIONS:

  • To open and enroll your new account in the promotion, visit the offer landing page, choose “Open account now” and start an online application. Enter T1CHKPLUSQ123 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer” and add your eligible savings product. Accounts opened without the promo code applied will not be eligible to participate in the offer.

OR

  • Visit a Truist branch and ask a representative to enroll you in the Truist One Checking plus savings Offer Q1 2023, using Promo Code T1CHKPLUSQ123, when opening your account.

Version 1 12082022 T1CHKPLUSQ123

2 The $100 Negative Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. All of the following eligibility requirements 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, a recurring direct deposit of at least $100 per month must be met. 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.

3 Levels are determined by the monthly average ledger balances in your Truist One Portfolio. The sum of all these accounts is used to determine the Portfolio balance for the month. Your Portfolio includes all eligible Truist consumer deposit balances in your checking accounts, savings accounts, Certificates of Deposit, IRAs, and/or all investments through Truist Investments Services, Inc., where you are the primary or secondary account owner.

Total monthly average ledger balance:

Level 1: $0.00 - $9,999.99

Level 2: $10,000 - $24, 999.99

Level 3: $25,000 - $49,999.99

Level 4: $50,000 - $99,999.99

Level Premier: $100,000+ or Premier/Wealth client

4 Refer to the Account Overview Guides and the Personal Deposit Accounts Fee Schedule for detailed information regarding each feature, benefit, and/or fees listed for each product.

5 Waive your monthly maintenance fee 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 and all investments as reflected on the business day before your statement cycle end date; OR Having a personal Truist credit card, mortgage or consumer loan, excluding LightStream®; OR Having a linked Small Business Checking Account; OR Being a student under the age of 25.

6 A withdrawal limit fee of $15 per withdrawal over six applies, 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. Fees may reduce earnings. See the Truist Personal Deposit Accounts Fee Schedule for additional account details.

7 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.

8 Daily ledger is the actual balance in your account on a specific day, and does not reflect any holds or pending transactions.

9 A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security, or other regular monthly income deposited into your new checking account by your employer or outside agency. 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. 

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 Corp., 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, Inc. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, Inc.

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.

Limited English Proficiency Support: 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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