No overdraft fees. None.

It's your money and it should stay that way.

Truist One Checking doesn’t charge overdraft fees or overdraft-related fees.Disclosure 2 We also offer overdraft cushion with a $100 Negative Balance BufferDisclosure 3 for eligible clients.

Options to avoid a monthly maintenance fee, too 

We give you five ways to waive the $12 monthly maintenance fee. 

Make $500 or more in total qualifying Direct Deposits per statement cycle.

Maintain a combined monthly avg. balance of $500 or more across all eligible Truist accounts.

Have a personal Truist credit card, mortgage or consumer loan, excluding LightStream.®

Have a linked small business checking account.

Students under age 25.

Ready to open your Truist One Checking account?

The proof is in the perks.

As our relationship grows, so do your perks. Five levels—with automatic upgrades.Disclosure 4

You can move between levels based on your combined monthly average balance across all eligible Truist accounts. Including checking, savings, investment accounts, and more.Disclosure 4 We automatically move you to the next level as your combined balance grows.

Level 1

$0 - $9,999.99

Combined monthly avg. balance

Level 2

$10,000 - $24,999.99

Combined monthly avg. balance

Level 3

$25,000 - $49,999.99

Combined monthly avg. balance

Level 4

$50,000 - $99,999.99

Combined monthly avg. balance

Level Premier

$100,000+

Combined monthly avg. balance

Ready to start leveling up?

Fast. Simple. Secure.

Free up more free time with online and mobile banking.

  • Transfer money between accounts. 
  • Pay trusted friends and family with Zelle®Disclosure 9
  • Set up recurring bill payments. 
  • Deposit checksDisclosure 10
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Download the Truist mobile app.

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

New to banking?

Consider a Truist Confidence Account.

  • No overdraft fees 
  • No personal checks
  • No check cashing fees

Build your confidence and a solid financial foundation. 

Frequently asked questions

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Nope. None. And no overdraft related fees2 either.

We give clients five different ways to waive the $12 Monthly Maintenance Fee for each statement cycle.

  • Make $500 in total qualifying monthly direct deposits.
  • Maintain a total combined ledger balance of $500 or more in Truist related accounts across personal deposits and all investments as reflected on the business day before your statement cycle end date.
  • Having a personal Truist credit card, mortgage or consumer loan (excluding LightStream®).
  • Have a linked Small Business Checking Account.
  • If you’re a student under 25.

See the Personal Deposit Accounts Fee Schedule for further details.

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.

Truist One Checking is a traditional checking account—but with great benefits that automatically adjust based on your balance. It also has a $100 Negative Balance Buffer2 for qualifying clients.

The Truist Confidence Account doesn’t have paper checks. And it helps you stay focused on your budget by only approving transactions if you have the funds in your account to cover them. While the rare overdraft can occur in some circumstances, charges that exceed the account balance will typically be declined.

Neither account has overdraft fees and both are great options for students since the monthly maintenance fees are waived for students under 25.

Absolutely. You can transfer money to and from your Truist One Checking account with online or mobile banking, and we’d be happy to help you in a branch.

Most transfers are free, but external transfers or wires do have a fee. See the Personal Deposit Accounts Fee Schedule for details.

 

Yes. And your debit card comes with cash back deals. Or you can earn travel rewards with the Delta SkyMiles® Debit card ($95 annual fee). Learn more on our bank debit cards page.

Yes! Truist Bank is an FDIC member. This means your money is FDIC insured up to the amount allowable by law.

If you have a Truist One Checking account as well as one of the eligible Truist credit cards (see below), then you will receive a Loyalty Bonus based on your relationship status with Truist when you either redeem the credit card cash rewards into a Truist deposit account or redeem Enjoy Travel miles for travel. 

The following credit cards are eligible to earn an enhanced Loyalty Bonus if you also have a Truist One Checking account: 

  • Truist Enjoy Cash (including Secured)
  • Truist Enjoy Travel
  • Truist Enjoy Beyond
  • Truist Cash Rewards
  • Truist Prime Rewards
  • Truist Travel Rewards
  • Truist Platinum Elite Rewards
  • Truist Legacy Cash Rewards

If your card is not listed as “eligible” here, you will not earn an enhanced Loyalty Bonus, even if you have a Truist One Checking account. For your ease of reference, your credit card product type name is provided on your most recent credit card monthly statement. You can also find your credit card product type name in the online banking portal or mobile app by selecting the credit card tile, then “View Account Details.”

Truist Wealth and Truist PWM Rewards Card clients earn a 75% Loyalty Cash Bonus when you deposit cash rewards into any Truist deposit account. Truist Spectrum Cash Rewards clients are not eligible for the Truist One Loyalty Bonus but will continue to receive a 10% bonus when you deposit your rewards into any Truist deposit account.

If you have a Truist rewards credit card that is not eligible to earn an enhanced Loyalty Bonus, you will continue to earn rewards as outlined within your credit card’s existing Rewards Terms and Conditions.  If you are interested in opening a new Truist Credit Card, go to Truist.com/credit-cards, select a rewards card, and apply.  All credit cards are subject to credit approval.

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