Open Truist Confidence Savings

Truist Confidence SavingsDisclosure 1

Build your financial confidence. No overdraft feesDisclosure 2. No monthly maintenance fees. No hassle. You’ll need a Truist Confidence Account to open Truist Confidence Savings.

Open now to get a Truist Confidence Savings account. , opens in new tab

  • $25 Minimum opening deposit
  • $0monthly maintenance fee
  • $0overdraft feesDisclosure 2

Better habits start here.

Budget bliss

No overdraft fees or overdraft-related fees.Disclosure 2 No monthly maintenance fee either. Other fees may apply.

More confident, together

Financial confidence needs a solid foundation. That’s why opening Truist Confidence Savings requires a Truist Confidence Account.

Optional overdraft protection

You can set up Truist Confidence Savings as automatic backup for your Truist Confidence Account.Disclosure 3

See our account rates, fees & disclosures

Ready to open Truist Confidence Savings?

Step one

Tell us about yourself.

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

Make your first deposit.

Truist Confidence Savings has a $25 minimum opening deposit.

Get started here.

Savings calculator

This overview is not intended to be all-inclusive but is for illustrative purposes only. Individual results will vary based on client usage. For additional information, please refer to the Personal Deposit Accounts Fee Schedule.

This calculator is made available by one or more third party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

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Truist Confidence Account

  • No overdraft fees 
  • No check cashing fees
  • Four ways to waive the $5 monthly maintenance feeDisclosure 7
Learn more about the Truist Confidence Account.

Money and Mindset

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Disclosure 1 Refer to the Truist Confidence Savings Account Overview Guide, the Truist Confidence Account Overview Guide and the Personal Deposit Accounts Fee Schedule for detailed information regarding each feature, benefit and/or fees listed for each product.

Disclosure 2 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.

Disclosure 3 Transfers will count towards the maximum number of six (6) withdrawals and transfers allowed per monthly statement cycle before a Withdrawal Limit Fee is incurred. $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 4 Fees may apply to transfers to other U.S. financial institutions. Setup is also required and verification may take 1 – 3 business days. View the Truist Personal Deposit Accounts Fee Schedule for more information. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 5 For your protection, Zelle® should only be used to send money to friends, family, other people or businesses you trust. Neither Truist nor Zelle® offers a protection program for payments that you authorize in Zelle®. Enrollment with Zelle® through Truist Online or Mobile banking is required. U.S. checking or savings account required to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. To send and receive money with a small business, both parties must be enrolled in Zelle® directly through their financial institution's online or mobile banking experience. For more information, view the Truist Online and Mobile Banking Services Agreement. Your mobile carrier’s message and data rates may apply.

Disclosure 6 Mobile deposit is only available through the Truist mobile app. Deposit limits and other restrictions apply. Your mobile carrier's message and data rates may apply.

Disclosure 7 The monthly maintenance fee can be waived by meeting one of the following:

  • Making $500 or more in total deposits per statement cycle OR
  • Making 10 or more qualifying transactions per statement cycle. Qualifying transactions are these specific debits to your account: ATM withdrawals, ATM payments, ATM transfers, Debit Card payments (one time and recurring), Debit Card purchase transactions including PIN Point of Sale (POS), Debit Card signature-based purchases, and Zelle® payments. These transactions must be posted to your account during the statement cycle. Bank fees are not included. OR
  • Clients age 62 and older. Waiver for clients aged 62 and older requires that they are listed as the primary owner. OR
  • Primary client is a student. The waiver expires on the anticipated graduation date provided by the client.

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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