Disclosure Information

Dynamic Business Checking

Important documents

Business Deposit Accounts Fee Schedule

Requirements, benefits, and fees associated with deposit accounts.

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Account Analysis Statement Guide

Fees and service charges that appear on your monthly statements.

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Commercial Bank Services Agreement

Terms and conditions for your banking relationship with Truist.

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Truist Dynamic Business Checking Overview

The fees and terms associated with this type of checking account.

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Account Usage Fees and Services
Minimum opening deposit	$100
Monthly maintenance fees	$25 The Monthly Maintenance Fee can be waived by: Maintaining a $5,000 combined average relationship ledger balance^{Disclosure 1}
Monthly transaction fees	No charge for first 500 total combined transactions^{Disclosure 2} $0.50 Per each additional transaction over 500 in a month
Monthly coin and currency deposit fee	No charge if you make deposits of coin and currency of $25,000 or less in a month $0.0031 for every $1.00 deposited over $25,000 in a month For example, if you deposit $30,000 of cash in a month there is no charge for the first $25,000 and there is a $15.50 charge for the next $5,000
Check Services	$50 discount applied to first order of business checks or intro packs^{Disclosure 3}

Additional Services
Overdraft/Returned item fee	$36 per item If the original transaction amount is less than $5, we will not charge an overdraft fee or returned item fee. A maximum of three fees per day will be charged. You can avoid an overdraft fee or returned item fee if you transfer or deposit money by the daily cutoff time on the same business day. Overdraft (OD)/Returned Item Fee: This fee applies to overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means.
Non-Truist ATM fees No fee for transactions (cash withdrawal, balance inquiries or transfers) at Truist ATMs	$3 per transaction in the U.S. Non-Truist ATMs may charge additional fees.(Effective November 9, 2026, the fee for Non-Truist ATM (Domestic) will increase to $3.50 per transaction.) $5 per transaction outside the U.S. plus 3% of transaction amount for international transaction fee.
Zelle® small business deposits^{Disclosure 4} This is an optional service, and enrollment is required to use Zelle®	When someone sends money to this account through Zelle® this account incurs a fee of 1% of the received Zelle® amount, up to a maximum fee of $15 per transaction. For example, if a client sends a $300 payment to this account via Zelle®, the account will incur a $3.00 fee; if a client sends $2,000 payment to this account via Zelle®, the account will incur a $15.00 fee (the maximum fee per transaction, for each transaction of $1,500 or greater).

All fees charged to this account are included on the checking account statement. For details regarding fees listed as “Service Charges – Prior Period” on your checking account statement, please refer to your Account Analysis statement in online and mobile banking. See the Account Analysis Statement Guide for more information.

Truist Dynamic features and benefits

Program tier requirements and reward benefits are subject to change at Truist’s discretion.

No charge for the first four (4) incoming domestic wires.
Truist online and mobile banking included with fraud protection via Fraud Inspector^©.
The Truist Dynamic Business Checking Account comes with one free Personal Truist One Checking account with Level Premier benefits and no monthly maintenance fee.^{Disclosure 5}
New 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 Truist Dynamic Business Checking Account holders).

Tier Benefits	Core Tier	Plus Tier	Preferred Tier
Balance Requirements	Less than $25,000 In combined average relationship ledger balance^{Disclosure 6}	$25,000 $49,999.99 In combined average relationship ledger balance^{Disclosure 6}	$50,000 or more In combined average relationship ledger balance^{Disclosure 6}
Merchant Services Statement Credit	N/A	$5.00 Truist Merchant Statement Credit^{Disclosure 7}	$10.00 Truist Merchant Statement Credit^{Disclosure 7}
Online Payroll Discount	N/A	$5.00 Discount off the standard $60 Online Payroll Monthly Maintenance Fee^{Disclosure 8}	$10.00 Discount off the standard $60 Online Payroll Monthly Maintenance Fee^{Disclosure 8}
Small Business Lending Rate Discount	N/A	0.25% rate discount on Truist Small Business Lending	0.50% rate discount on Truist Small Business Lending
Non-Truist ATM Fee Waivers	N/A	2 non-Truist ATM fees waived^{Disclosure 9}	Unlimited non-Truist ATM fees waived^{Disclosure 9}

When is your money available?

Deposit and Withdrawal Processing Policies
Availability Options of Deposited Funds	When is your money available? Click to view Making Banking Easier Flyer

Protect yourself from overdrafts.

Help make sure your transactions go through when you need them to with Overdraft Protection. If you make a payment and you don’t have enough money in this account to cover the payment:

With Overdraft Protection	Without Overdraft Protection
Overdraft protection is an optional service that helps you avoid overdraft fees and/or declined transactions by linking your Truist checking account to another Truist deposit account, business credit card, or line of credit. We will use available funds in your linked account to authorize or pay your transactions if there are insufficient funds in your checking account. A Cash Advance Overdraft Protection Fee will be charged to the linked Truist business credit card.	If Truist covers the transaction and your account is overdrawn, a $36 overdraft fee will be assessed. If Truist does not cover a check or ACH transaction, a $36 returned item fee will be assessed.
If you don’t have enough funds in the linked account, overdraft protection will not apply.	Debit card payments and Zelle^® transactions that are declined do not incur a fee.
Call 844-4TRUIST (844-487-8478), or visit a local branch at truist.com/locations to enroll in Overdraft Protection.

With Overdraft Protection

Without Overdraft Protection

Overdraft protection is an optional service that helps you avoid overdraft fees and/or declined transactions by linking your Truist checking account to another Truist deposit account, business credit card, or line of credit. We will use available funds in your linked account to authorize or pay your transactions if there are insufficient funds in your checking account. A Cash Advance Overdraft Protection Fee will be charged to the linked Truist business credit card.

If Truist covers the transaction and your account is overdrawn, a $36 overdraft fee will be assessed.

If Truist does not cover a check or ACH transaction, a $36 returned item fee will be assessed.

If you don’t have enough funds in the linked account, overdraft protection will not apply.

Debit card payments and Zelle^® transactions that are declined do not incur a fee.

Helpful definitions

Available balance: Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you’ve written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees.

Overdraft Coverage: Business accounts are automatically enrolled in Overdraft Coverage at account opening. Overdraft Coverage allows Truist, at its discretion, to authorize and pay transactions on ATM and everyday debit card purchases when there are non-sufficient funds in your account. Truist may pay these transactions at our discretion, and fees may apply.

Overdraft fees: Overdraft fees happen when you spend more than you have in your checking account. It is a $36 fee that’s charged when a transaction amount is more than your available balance and is paid with negative funds. If the original transaction amount is less than $5, we will not charge an overdraft fee. Truist pays overdrafts at its discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned. Overdraft fees can be issued up to three times per day until you make a deposit to cover all outstanding transactions. If you make a deposit or balance transfer to cover all your transactions by the daily cutoff time, you won’t be charged any overdraft fees.

Overdraft Protection: This optional service helps you avoid overdraft fees and/or declined transactions by linking your Truist checking account to another Truist deposit account, business credit card, or line of credit. We will use available funds in your linked account to authorize or pay your transactions if there are insufficient funds in your checking account. For accounts linked to a line of credit or business credit card, funds advanced for Overdraft Protection are subject to fees and finance charges under your line of credit or business credit card agreement. Please see your agreement for more information. Cash Advance for Overdraft Protection Transfer Fee is charged to the Truist business credit card for each checking account that receives an Overdraft Protection Transfer on the same day. Money Market and Savings accounts are not eligible to enroll in the Overdraft Protection Service as a protected account.

Pending transactions: Typically, pending transactions are electronic or debit card transactions you’ve made that have not yet posted to your account. Deducting these transactions from or adding any deposits or credits to your current/posted balance equals your available balance. Be aware money being held for authorized electronic transactions is held as pending for three business days. If the authorized electronic transaction is not submitted by the vendor for payment within three business days, Truist will release the amount of money on hold. For example, a hotel may request authorization of $150 when you check in, but not request payment until later. Also, some electronic transactions are authorized for less than the actual amount—for example: gas purchases, restaurants before tip is added, hotel and rental car companies.

Posted balance: Your posted balance (also called current or ledger balance) is the actual amount in your account after nightly posting and does not change throughout the day. It does not include holds or pending transactions. Transactions are paid from your available balance according to our posting order, and your available balance may differ from your daily posted balance.

Returned Item Fee: A Returned Item Fee is charged when your account balance is insufficient to cover a check or ACH transaction. If we do not authorize and pay an overdraft, your transaction will be returned unpaid, and your account will be subject to a $36 Returned Item Fee. For example, if you have an available balance of $1,000 and you write a check from this account for $1,500 and Truist returns the check due to insufficient funds, your account will be charged a $36 Returned Item Fee. Enrolling in Overdraft Protection may help you avoid this fee.

For more information

This overview is not intended to be all-inclusive but is to be used as a quick reference tool for comparison purposes only. For a detailed list of all fees and terms applicable to your account, please refer to the Business Deposit Accounts Fee Schedule at truist.com/business-fee-schedule. For details on the terms and conditions of this account, please see the Commercial Bank Services Agreement at Truist.com/cbsa.

If you would like to open an account or have additional questions, visit Truist.com/small-business, call 844-4TRUIST (844-487-8478), or visit Truist.com/locations to find your local branch.

Disclosure Information

Important documents

Investment and Insurance Products:

Limited English Proficiency Support:

New York City residents:

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

Disclosure Information

Important documents

Disclosures

Investment and Insurance Products:

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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