Personal Banking

Truist One

As a teammate, you’ll automatically get Level Premier status for Truist One Checking—so you’ll never have to wonder if you’re getting the most out of your account. Plus, Truist One Checking doesn’t charge overdraft-related fees. None.1

Truist One Checking2

  • 50% loyalty bonus on eligible Truist credit cards
  • $100 Negative Balance Buffer3
  • Free personal checks
  • Unlimited no-fee, non-Truist ATM transactions per statement cycle up to $3
  • Monthly maintenance fees waived on all Truist One Checking accounts
Open an account for Truist One Checking.

Truist One Savings

  • $50 Minimum opening deposit
  • Earn interest and build balances toward your savings goal
  • Monthly maintenance fees waived on all Truist One Savings accounts
Open an account for Truist One Savings.

Truist One Money Market

  • $50 Minimum opening deposit
  • Earn interest on your savings  while you save for goals important to you
  • Link to your Truist One Checking account for Overdraft Protection
Open an account for Truist One Money Market.

Protecting your privacy

We’re committed to ensuring confidentiality, security, and respect for all teammates and retirees.

  • Our monitoring plan helps prevent unauthorized access to your accounts and personal information.
  •  Teammates enjoy the same benefits, rights, and protections as all Truist clients.
  • Want to learn more about how we protect your privacy as a teammate or retiree? Read our Teammate Privacy Policy and Code of Ethics for Teammates.

Truist Momentum

Building better lives and communities starts with us—and we want to care for you. That’s why we have a bold and engaging financial well-being program—Truist Momentum.

It’s designed to inspire, educate, and equip teammates to achieves financial confidence.

Get started with Truist Momentum.

Teammate Banking Center

Get confidential guidance and support from our dedicated Teammate Banking Center specialists—whether you want to open an account, apply for a loan, or discuss insurance options.  

Ready to get started? Have questions?

Call 833-TRU-FORU (833-878-3678), Monday through Friday from 8 am to 6 pm 

Visit the Teammate Banking Sharepoint Site
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1 Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.

2 Refer to the Account Overview Guides and the Personal Deposit Accounts Fee Schedule for detailed information regarding each feature, benefit and/or fees listed for each product.

3 The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100.

All eligibility requirements below must be met to initially qualify for the $100 Negative Balance Buffer:

  • Account must be opened for a minimum of 35 calendar days
  • Account must be funded and have a positive balance
  • A single direct deposit of at least $100 per month must be made for 2 consecutive months

To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:

  • A recurring direct deposit of at least $100 per month  

For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

5 This discount is available to all Truist teammates who are classified as active, full-time, or regular part-time teammates after three months of service. Retirees and active teammates who are relocating to a new job within Truist are eligible immediately. Contractors are not eligible for this offer. Teammate must be an underwritten borrower on the loan. Mortgage must be a first-lien position on a primary residence, second home, or investment property. This offer may be modified or rescinded at any time without prior notice. Teammate Mortgage Discount cannot be combined with other relationship pricing discounts. Loan applications already in process before such modification or rescission will be honored on these terms. On applicable products, a recurring automatic payment of the new mortgage from a Truist checking, savings or money market account may entitle the borrower to an additional discount on the cost of the Mortgage. Please ask your Mortgage Specialist. For example, if you get a $200,000 mortgage, you’ll save $2,000 (1%). This discount can reduce your interest rate or be applied to your closing costs. Restrictions apply, ask a Mortgage Specialist for details.

6 Loan discount excludes the Truist ReadyNow Loan.

7 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 3.49% APR with a term of 3 years would result in 36 monthly payments of $292.98. Maximum APR for a LightStream loan is 20.49%.

8 Only deposit products are FDIC insured. Keep in mind that investing involves risk. The value of your investments will fluctuate over time, and you may gain or lose money.

Investment and Insurance Products:
• Are Not FDIC or any other Government Agency Insured • Are Not Bank Guaranteed • May Lose Value

Services offered by the following affiliates of Truist Financial Corporation: Banking products and services, including loans, deposit accounts, trust and investment management services provided by Truist Bank, Member FDIC. Securities, brokerage accounts, insurance/annuities offered by Truist Investment Services, Inc. member FINRA, SIPC, and a licensed insurance agency where applicable. Life insurance products offered by referral to Truist Insurance Holdings, Inc. and affiliates. Investment advisory services offered by Truist Advisory Services, Inc., Sterling Capital Management, LLC, and affiliated SEC registered investment advisers. Sterling Capital Funds advised by Sterling Capital Management, LLC

Loans, lines of credit, and credit cards offered by Truist are subject to credit approval, eligibility, and credit qualifications.

For teammate and retiree use only — not for distribution to clients or prospects.

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., and/or P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA, SIPC, and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC., AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, Inc.

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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