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Welcome to Truist Dynamic Business Checking

Let’s get started with these key steps

Fund your account
Activate your debit card
Enroll in online banking
Download the Truist mobile app
Manage account alerts

You’re just getting started.

Fund your account

  • Transfer money from an existing Truist or non-Truist accountDisclosure 1
  • Use a debit card
  • Deposit a check with your mobile deviceDisclosure 2
  • Make a deposit at your local branch or ATM

Activate your card in one of these ways:

  • In the Truist mobile app
  • By calling 800-963-2262
  • Use your card at an ATM or at checkout with your PIN
Sign in to online banking.
Enroll now to get started with online banking.

Enroll in online banking to get the most out of your new account.

Enroll in online bankingDisclosure 3

Control access to your accounts with unique IDs and user permissions for anyone in your company.
Bill pay

Schedule payments, set reminders, and view your payment history. 
Zelle®

Send and receive money in minutes.Disclosure 5 Customers enrolled in Zelle® can simply scan your QR code—no manual entry of phone numbers or email addresses. 
Sign in to online banking.
Enroll now in online banking.

Mobile banking

Fast. Simple. Secure.

Save time with our mobile banking app.

QR Code to open Apple or Google play app.

Download the Truist mobile app.

Scan this code with your phone’s camera to download.

View our Privacy policies

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.Disclosure 6

Core rewards

If your business has <$25k in combined depositsDisclosure 6

Plus rewards

If your business has $25k-$49,999k in combined depositsDisclosure 6

25% business credit card rewards loyalty bonus (Truist Business Premium credit card capped at 10%)Disclosure *

$90 Delta SkyMiles® Business Debit Card annual feeDisclosure 7

$5 Merchant Services monthly discount credit

0.25% small business lending interest rate discountDisclosure 8

$5 discount off the standard Online Payroll monthly maintenance feeDisclosure 9

2 fees waived on non-Truist domestic ATMs

Preferred rewards

If your business has $50k+ in combined depositsDisclosure 6

50% business credit card rewards loyalty bonus (Truist Business Premium credit card capped at 10%)Disclosure *

$60 Delta SkyMiles® Business Debit Card annual feeDisclosure 7

$10 Merchant Services monthly discount credit

0.50% small business lending interest rate discountDisclosure 8

$10 discount off the standard Online Payroll monthly maintenance feeDisclosure 9

Unlimited fees waived on non-Truist domestic ATMs

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. 

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

Discounted checks

$50 discount on your first order of checks. Sign in to online banking and select “Order checks and supplies.”

Personalize your debit card

Show off your business name or logo—every time you pay. Get a Truist Business Debit Card that’s uniquely yours. We've made it easy to design your card in just minutes. 

Earn more miles

The debit card that takes your business further. Earn miles on your everyday business purchases with a Delta SkyMiles® Business Debit Card.Disclosure 10

Learn more about your account information.

Resources and other ways we can help

Business Lifecycle Planning

With practical advice, full scale capabilities, and caring partnership, we’re continually focused on the long-term success of your business.

Truist Business savings accounts

Our savings options can help you grow reserves for managing cash flow, upgrading equipment, or expanding your enterprise.

Truist Business credit cards

We offer several choices, including cash back and travel rewards options, so you can select the card that fits your business.

 

Credit cards subject to credit approval.

Merchant services

Our latest payment technology allows you to accept customer payments in person, online, or on the go.Disclosure 11

Sign up for more information.

Sign up to receive our bimonthly Business Break newsletter and invitations to upcoming webinars.

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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Disclosure 1 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 Online and Mobile Banking for Business Service Agreement and the Truist Business Deposit Accounts Fee Schedule  for more information. Your mobile carrier’s message and data rates may apply. 

Disclosure 2 Mobile deposit is only available through the Truist mobile app.  Deposit limits and other restrictions apply. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Disclosure 3 Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 4 Delivery may be affected by your mobile carrier's coverage area. 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, and other people or businesses you trust.  Payments made with Zelle® are like sending cash and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. Both parties must have an eligible U.S. checking or savings account to use Zelle®. Transactions between enrolled users typically occur in minutes. There is no fee to send money with Zelle® through your enrolled Truist business bank account. However, Zelle® payments deposited into your business account will be charged a 1.0% fee by Truist. The maximum fee is capped at $15 per received transaction. See Truist's Business Deposit Accounts Fee Schedule for additional information. For more information, view the Truist Online and Mobile Banking for Business Service Agreement. Availability may be affected by your mobile carrier's coverage area.  Your mobile carrier’s message and data rates may apply.

Disclosure 6 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 7 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 $0. 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 8 A loan applicant may be eligible for an interest rate discount of 0.25% or 0.50% on Small Business loans and Small Business lines of credit. The interest rate discount is based on the Dynamic Business Checking – Deposit Balance Tier Benefits in effect on the loan application date. If you are in the Core Rewards Tier Benefit on the loan application date, you are not eligible for an interest rate discount. Loan applicants in the Plus Rewards Tier, on the loan application date, are eligible for a 0.25% interest rate discount and loan applicants in the Preferred Rewards Tier, on the loan application date, are eligible for a 0.50% interest rate discount. Small Business loan applicants and co-applicants are not allowed to combine interest rate discounts. One Dynamic Business Checking interest rate discount is permitted per loan. The interest rate discount shall be applied to the interest rate disclosed to loan applicant at the time of loan approval. The interest rate discount is nontransferable and is only available for loans and lines of credit originating through Consumer and Small Business Branch, Small Business Direct, and Small Business Digital channels. Small Business Lending interest rates discounts are not available to business or commercial credit cards, commercial loans, or corporate loans. Any additional promotional offers and terms will be disclosed to the loan applicant at the time of such offering.

Disclosure 9 Subject to enrollment in Truist Online Banking and standard payroll fees apply. Any custom pricing negotiated will not be eligible for balance-based discounts. Truist Online Payroll fees are per calendar month. Additional fees apply for businesses with more than 50 employees. Services are subject to applicable terms and conditions and certain services and functions are subject to approval.  Additional charges and transaction limits may apply. See Truist’s Business Deposit Account Fee Schedule for details. For further questions, contact a Truist banker, relationship manager, or Treasury Solutions consultant.

Disclosure 10 Qualifying purchases: Only PIN Point of Sale and signature-based purchases (including small dollar purchases that do not require a signature), Internet purchases, phone or mail order purchases or automatic bill payments using the Truist Debit Card number and expiration date qualify for mileage earnings. Cash advances, cash portions of a PIN POS sale with cash back, ATM transactions, tax payments, payments for stored-value cards, wire transfers, money transfers, money orders, cashier checks, quasi cash, traveler’s cheques or purchases of monetary instruments do not qualify for mileage earnings. Additionally, if a transaction contains a combination of qualifying and non-qualifying transaction types, only the qualifying portion will earn mileage. Truist reserves the right to revoke miles at any time if we determine that they were awarded (earned) for non-qualifying transactions types or in violation of the offer terms.  See Delta SkyMiles® Terms and Conditions for complete program details.

Disclosure 11 Merchant Services are subject to business type and credit approval.

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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