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Truist Dynamic Business Checking

Fuel the pace of your small business.

You’ve taken the first step. Now watch your perks stack up as your balances grow.Disclosure 1 We’ll be in touch to make sure you understand all the features and benefits of your account. In the meantime, use this page to make sure you’re taking advantage of all your new account offers.

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Speaker 1 (00:02):

Welcome to Truist Dynamic Business Checking,

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an account with unique benefits and rewards that grow with your business. With up to 500 monthly transactions, up to $25,000 in monthly cash processing at no charge, and no monthly maintenance fee when you maintain an average combined balance of $5,000 or more between your business checking, savings, money market, and/or CD accounts, plus a range of account features. And that's just the start. Qualify for the additional benefits of Truist One level premier when you link your personal Truist One account and your Dynamic Business Checking Account.

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We're celebrating each of your milestones with different levels of rewards. Enjoy benefits that scale with your combined deposits across accounts like Truist business credit card loyalty bonuses, merchant services discount credits, lending rate discount, and online payroll discount. You'll even be eligible for interest rate discounts on small business loans and lines of credit and bigger discounts on tools you need.

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With a few easy steps, you can add tools to help you look after your finances and build for the future. Enroll in Truist online banking and download the Truist Mobile banking app to start managing your money virtually anytime from pretty much anywhere. You can link other Truist accounts, make deposits, send payments, and view your current tier reward level. Add debit cards for you and your authorized users and personalize them with your company logo.

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Or get the Delta SkyMiles® Business Debit Card to earn miles when you spend. Start enjoying all these benefits by funding your account today. You are committed to your business and we are committed to supporting you every step of the journey with expertise, advice, solutions, and perks to match. That's a partnership you can depend on.

First things first. Fund your account—the way that works best for you.

  • Transfer money from an existing Truist or non-Truist account.Disclosure 2
  • Use a debit or prepaid card.
  • Deposit a check.
Sign in to online banking.
Register now for online banking.

Register for online banking to get the most out of your new account.

Make plans. Pay bills. Get paid. Take care of almost everything—anytime.

Tools that work hard for your business

  • Bill pay – Schedule payments, set reminders, and view your payment history.
  • Fraud Inspector™ – Review transactions that cleared the previous day and initiate the return of any suspected fraudulent items.
  • Online Payroll – Automate payroll—so you can focus on the big picture.
  • ACH services – Automatically pay your monthly bills—or have your customers pay you.
  • Wire transfer – Send big transactions quickly.
  • Zelle® – Send and receive money in minutes.Disclosure 3 And now customers enrolled in Zelle® can simply scan your QR code—no manual entry of U.S. mobile numbers or email addresses needed.
Sign in to online banking.
Register now for online banking.

Download the Truist mobile app.

Get super-fast access to your accounts and insights into your spending with our mobile app.

QR Code to open Apple or Google play app.

Scan this code with your phone’s camera to download our app.Disclosure 4

Your new account is just the start. Now you can get these added perks.

Personalized debit card

Get a personalized business debit card with your logo or custom art for you and any employees you want.

Earn more miles

Earn more miles with a Delta SkyMiles® Business Debit Card.

Loyalty bonus

Get a loyalty bonus on a Truist business rewards credit card based on your credit card product type and the method by which you redeem.

No monthly fees

Automatically qualify for level Premier of a personal Truist One Checking account—which means no monthly maintenance fees.Disclosure 3

Reward levels

Truist Dynamic Business Checking Levels and Rewards
Core rewards Plus rewards Preferred rewards

If your business has >$25k in combined depositsDisclosure 3

If your business has $25k - $49,999 in combined depositsDisclosure 3

If your business has $50k+ in combined depositsDisclosure 3

—

$5

Merchant Services monthly discount credit

$10

Merchant Services monthly discount credit

10%

Business credit card rewards loyalty bonus

25%

Business credit card rewards loyalty bonus

50%

Business credit card rewards loyalty bonus

—

(.25) Business lending rate discount

(.50) Business lending rate discount

—

$5

Discount off the standard Online Payroll standard monthly maintenance feeDisclosure 3

$10

Discount off Online Payroll standard monthly maintenance feeDisclosure 3

—

2 fees waived on non-Truist domestic ATMs

Unlimited fees waived on non-Truist domestic ATMs

$120

Delta SkyMiles® Business Debit Card annual feeDisclosure 5

$90

Delta SkyMiles® Business Debit Card annual feeDisclosure 5

$60

Delta SkyMiles® Business Debit Card annual feeDisclosure 5

Looking for other ways to help your business be more efficient?

Empower your employees.

Provide access to financial wellness resources for your employees.

Save your way.

Maximize your savings with an interest-bearing account. And as your balance grows, you get more perks with your Dynamic account.

Make it easy to accept payments.

Accept credit card payments with Truist Merchant Services.

Contact us

We’re here to hear–– and help.

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

Make an appointment.

Schedule an in-person or virtual appointment.

Schedule an appointment

Call us.

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

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1 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.

2 Fees may apply to transfers to other U.S. financial institutions. Setup is also required and verification may take 1 to 3 business days. View the Truist Personal Deposit Accounts Fee Schedule for more information. Your mobile carrier’s message and data rates may apply.

3 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 between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. There is no fee to send money with Zelle® through your enrolled Truist business bank account. However, Zelle® payments to your business account will be charged a 1.0% fee (maximum fee of $15 per transaction). See Truist's Business Deposit Accounts Fee Schedule for additional information. Your mobile carrier’s message and data rates may apply.

4 When you use the QR code feature, certain information is collected from your mobile device for business purposes. Linked third-party sites are neither operated by, nor affiliated with, Truist Financial Corporation. Truist Financial Corporation is not responsible for and does not control, endorse, or monitor third-party sites.

5 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.

App Store is a service mark of Apple, Inc.

Google Play is a trademark of Google LLC.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Disclosures

Truist Bank, Member FDIC. © 2024 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., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, and Sterling Capital Management, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, 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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