Dynamic Business Checking Dynamic Business Checking Simple Business Checking Simple Business Checking Community Checking Community Checking

Truist Dynamic Business Checking

Fuel the pace of your small business.

With more perks as your balances grow—and a true partnership.

Open now a Dynamic Business Checking account.
  • 500 Monthly transactions at no chargeDisclosure 1
  • $25,000 Cash processing per month at no chargeDisclosure 2
  • $20 Monthly maintenance fee (waived with $5,000 average relationship balanceDisclosure 3)

Dynamic Business Checking reward levels

Your combined balance across all your Truist business accounts—checking, savings, money market, and CDs—determines your reward level. And as your balance changes, you’ll automatically move between them.4

Core Rewards

Core Rewards

If your business has < less than $25K in combined depositsDisclosure 4

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  • 10% Business credit card rewards loyalty bonusDisclosure *
  • — Not applicable Merchant Services monthly discount credit
  • — Not applicable Business lending rate discount
  • — Not applicable Discount off Online Payroll standard monthly maintenance feefootnote disclosure 5
  • — Not applicable Fees waived on non-Truist domestic ATMs
  • $120 Delta SkyMiles® Business Debit Card annual feefootnote disclosure 6

Plus Rewards

Plus Rewards

If your business has $25K – to $49,999 in combined depositsDisclosure 4

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  • 25% Business credit card rewards loyalty bonus (Truist Business Premium credit card capped at 10%)Disclosure *
  • $5 Merchant Services monthly discount credit
  • (.25) Business lending rate discount
  • $5 Discount off the standard Online Payroll monthly maintenance feefootnote disclosure 5
  • 2 Fees waived on non-Truist domestic ATMs
  • $90 Delta SkyMiles® Business Debit Card annual feefootnote disclosure 6

Preferred Rewards

Preferred Rewards

If your business has $50K + in combined depositsDisclosure 4

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  • 50% Business credit card rewards loyalty bonus (Truist Business Premium credit card capped at 10%)Disclosure *
  • $10 Merchant Services monthly discount credit
  • (.50) Business lending rate discount
  • $10 Discount off the standard Online Payroll monthly maintenance feefootnote disclosure 5
  • unlimited Fees waived on non-Truist domestic ATMs
  • $60 Delta SkyMiles® Business Debit Card annual feefootnote disclosure 6

More details about Truist Dynamic Business Checking

Benefits
  • Earn more miles with a Delta SkyMiles Business Debit Card.
  • Loyalty bonus on Truist business credit card rewards redemptions.
  • No monthly maintenance fee on a Personal Truist One Checking account with level Premier access and benefits.Disclosure 7
  • Access to financial wellness training for your employees.
  • Fraud Inspector™ to help you identify and curb potential fraud.
  • Personalized business debit card with your logo or custom art.
  • No fee for the first four (4) incoming domestic wires.
Best if you
  • Have a range of banking needs.
  • Want to maximize your rewards.
  • Complete over 50 transactions per month.
  • Make over $2,000 per month in cash deposits.

Disclosure * Truist business credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus based on their credit card product type, the method by which they redeem, and their deposit relationship(s) at Truist (including Dynamic Business checking account holders). More information on this rewards bonus option can be found within the Rewards Program Terms and Conditions applicable to the client’s respective credit card; restrictions apply. Truist Business credit cards are subject to credit approval.

Contact us

We’re here to hear—and help.

Let’s chat about how we can help you take care of business.

Business Deposit Accounts Fee Schedule

Make an appointment.

Schedule an in-person or virtual appointment.

Schedule an appointment with a small business specialist.

Call us.

Talk to a Small Business specialist at 833-866-5129.

Delta SkyMiles Business Debit Card

Rewards that go the distance.

Earn miles on your everyday business purchases. So your business—and travel plans—can take flight. Available only with Truist Dynamic Business Checking.

Learn more about delta debit card.

Resources

Expand your knowledge with resources for better business strategies. Stay up-to-date with trending topics, news, and research.

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    View more to learn about business banking resources.

    Looking for something else?

    We have cash management solutions for companies with more complex needs, too.

    Learn about commercial checking
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    Disclosure 1 No charge for the first 500 total combined transactions per monthly statement cycle. Transactions include deposits and deposited items, checks, ATM transactions, point-of-sale purchases, and ACH debits. Wire transfer services and commercial and treasury management services may also be included. There are fees for exceeding stated limits. See Truist’s Business Deposit Account Fee Schedule for additional details.

    Disclosure 2 No charge for the first $25,000 of cash deposits per monthly statement cycle. There are fees for exceeding stated cash processing limits. See Truist’s Business Deposit Account Fee Schedule for additional details.

    Disclosure 3 Monthly maintenance fee is waived with $5,000 average combined balance, over three months, in a Truist business checking, savings, money market account or CD.

    Disclosure 4 Balance for Dynamic Checking rewards is calculated as the highest three-month average balance in combined Truist business checking, savings, money market accounts and CDs.

    Disclosure 5 Subject to enrollment in Truist Online Banking and standard payroll fees apply. Any custom pricing negotiated will not be eligible for the balance-based discounts. Online Payroll fees and limits are per calendar month. See the Business Deposit Accounts Fee Schedule for details. A link to the fee schedule can be found on Truist.com/business-checking. For further questions, contact a Truist banker, relationship manager, or Treasury Solutions consultant.

    Disclosure 6 The Delta SkyMiles® Business Debit Card annual fee is charged 45 days after the open date of the card. For Truist Dynamic Business Checking account clients, the initial annual fee will be based on the sum of the highest monthly average balance of your combined Truist business deposit balances on that date. Thereafter, we will use the highest average monthly balance of the 3 most previous months to determine your annual fee. Annual fee tiers are defined as follows: a) highest 3 month average balance of less than $25,000 is charged an annual fee of $120 b) highest 3 month average balance of $25,000 and less than $50,000 is charged an annual fee of $90 and c) highest 3 month average balance of $50,000 or more is charged an annual fee of $60. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For all other Business Checking accounts, the annual fee is $120. See full Delta SkyMiles Debit Card Terms and Conditions for complete program details.

    Disclosure 7 Standard Monthly Maintenance fee is waived, and level Premier applied when properly linked to a business relationship. See Truist Personal Deposit Accounts Fee Schedule for additional details on Truist One Checking Account with level Premier benefits.

    Refer to the Business Deposit Accounts Fee Schedule, for detailed information regarding each feature, benefit and/or fees listed for each product.

    Disclosures

    Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, 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/

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