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

Get started with the right business checking account.

We take care of (your) business with a relationship that combines local experience and big capabilities, helping your business to thrive.

Compare accounts for Truist small business checking.

Compare Small Business checking accounts

Whether you’re just getting started or focusing on growth, we have your perfect fit. Explore the benefits of our business checking accounts.

Compare Truist’s business checking account options, including fees, transaction limits, and benefits, to help you choose the best fit for your needs.

Truist Simple Business Checking

Straightforward—with no monthly maintenance fee. Perfect if you’re just starting out.

Benefits

  • 50 total combined transactions per month at no chargeDisclosure 1
  • No charge for the first $2,000 in cash deposits per month; $0.0031 fee (per dollar) for $2,001+
  • $0 monthly maintenance fee
  • Truist business debit card with option to personalize for you and your employees

Open now to get started with a Truist Simple Business Checking account. Learn more about Truist Simple Business Checking.

Truist Dynamic Business Checking

Fuel the pace of your small business. With more perks as your balances grow—and a true, local partnership.

Benefits

     

     

     

     

     

  • 500 total combined transactions per month at no chargeDisclosure 1
  • No charge for the first $25,000 in cash deposits per month; $0.0031 fee (per dollar) for $25,001+
  • $20 monthly maintenance fee (waived with $5,000 average relationship ledger balance)Disclosure 2
  • Truist business debit card, or earn miles with the Delta SkyMiles® Business Debit CardDisclosure 3

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Open now to get started with a Truist Dynamic Business Checking account. Learn more about Truist Dynamic Business Checking.

Truist Community Checking

Designed specifically for nonprofit, small community, or civic organizations.

Benefits

  • 225 total combined transactions per month at no chargeDisclosure 1
  • No charge for cash deposits
  • $0 monthly maintenance fee
  • Truist business debit card for you and your employees

Schedule an appointment to open a Truist Community Checking account. Learn more about Truist Community Checking.

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Our business checking accounts Truist Simple Business Checking Truist Dynamic Business Checking Truist Community Checking
Open an account Open now to get started with a Truist Simple Business Checking account. Open now to get started with a Truist Dynamic Business Checking account. Schedule an appointment to open a Truist Community Checking account.
Best for Perfect if you’re just starting out. Ideal for businesses with moderate checking activity and/or cash deposits. Designed specifically for nonprofit, small community, or civic organizations.
Fee information $0 monthly
maintenance fee		 $20
monthly maintenance fee waived with a $5,000 average relationship ledger balanceDisclosure 5 		$0 monthly
maintenance fee
Minimum opening deposit $100 $100 $100
Monthly transactions 50
total combined transactions at no chargeDisclosure 1

$0.50 for each additional transaction over 50		 500
total combined transactions at no chargeDisclosure 1

$0.50 for each additional transaction over 500		 225
total combined transactions at no chargeDisclosure 1

$0.35 for each additional transaction over 225
Cash processing $2,000
in cash deposits per month at no charge; $0.0031 fee (per dollar) for $2,001+		 $25,000
in cash deposits per month at no charge; $0.0031 fee (per dollar) for $25,001+ 		Unlimited
cash deposits per month at no charge
Debit card options Truist Business Debit Card with option to personalize with your logo or custom art—for you and your employees. Truist Business Debit Card or you can earn miles with a Delta SkyMiles® Business Debit CardDisclosure 3; available only with a Truist Dynamic Business Checking account. Truist business debit card—for you and your employees
Check order discount $25
discount applied to first order of business checks or intro packsDisclosure 4 		$50
discount applied to first order of business checks or intro packsDisclosure 4 		$25
discount applied to first order of business checks or intro packsDisclosure 4
Incoming domestic wires Not Applicable $0 fee for the first four (4) incoming wires; $15 fee for additional incoming domestic wires Not Applicable
Deposit balance tier benefits Not applicable Core Tier: Less than $25,000 combined average relationship ledger balanceDisclosure 5

Plus tier: Between $25,000 and less than $50,000 combined average relationship ledger balance


Preferred tier: $50,000 or more combined average relationship ledger balance

  • Unlimited non-Truist ATM fees waivedDisclosure 6
  • $10 discount off the standard $60 Online Payroll Monthly Maintenance FeeDisclosure 7
  • $60 Annual Fee Discount on the Delta SkyMiles Business Debit CardDisclosure 3
  • 0.50% rate discount on Truist Small Business lendingDisclosure 8
  • $10 Truist Merchant Services Statement CreditDisclosure 9
Not applicable

Contact us

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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 to speak with a Truist banker.

Call us.

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

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 The term “Total Combined Transactions” refers to any combination of checks deposited and paid, debit and credit memos, deposit tickets, online bill payments and electronic debits and credits (including debit card transactions). The total includes the number of transactions in this product.

    Disclosure 2 The combined average relationship ledger balance is calculated as the client’s highest average combined monthly ledger balance during the 3 most previous months in any Truist business checking account, business money market account, business savings account, or business CD.

    Disclosure 3 The Delta SkyMiles® Business Debit Card annual fee is charged 45 days after the open date of the card. For Truist Dynamic Business Checking 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 three (3) most previous months to determine your annual fee.

    Annual fee tiers are defined as follows:

    • Highest 3-month average balance of less than $25,000 is charged an annual fee of $120;
    • Highest 3-month average balance is between $25,000 and $50,000 is charged an annual fee of $90;
    • 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 the Delta SkyMiles® Program Terms and Conditions for complete program details.

    Disclosure 4 First free or discounted check order benefit applies to new accounts and existing accounts that have not previously ordered checks.

    Disclosure 5 We perform a calculation for each of the prior three (3) calendar months (“monthly review”); for each monthly review, this calculation determines the highest average monthly balance of your combined eligible business deposit balances. We will use the highest average monthly balance amongst those 3 monthly reviews to assign your tier level as follows:

    • Preferred tier: If combined eligible business balances are $50,000 or greater;
    • Plus tier: If combined eligible business balances are between $25,000 and $49,999.99;
    • Core tier: If combined eligible business balances are less than $25,000

    Disclosure 6 See ATM fee disclosure for further details on ATM charges. Unlimited ATM waiver limited to domestic ATM charges only.

    Disclosure 7 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. See full Online Payroll disclosures in the Truist Additional Banking Services section of the Business Deposit Accounts Fee Schedule. Online payroll fees and limits are per calendar month. For further questions, contact your Truist banker, relationship manager, or treasury solutions consultant.

    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 Benefit is per calendar month and will appear in the form of a Merchant Statement credit for the prior month. To receive benefit, Merchant account must be open, in good standing, and processing at least one sale of $5 or greater for the month prior. Funds must be deposited into the Truist Dynamic Business account. Offer is limited to one incentive per business and its related entities and does not apply to second or multiple business relationships. Truist Merchant Services are subject to business type and credit approval.

    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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