Truist Bank One Checking Account

Truist Bank One Checking Account Disclosure: 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 will determine and award your Loyalty Cash Bonus at the same time as your cash back redemption. For Truist One Checking account clients, 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 consumer deposit and investment balances. Trust will use the highest average monthly balance amongst those three (3) monthly reviews to assign your Loyalty Cash Bonus percentage as follows: Truist One Checking account clients: - 50% Loyalty Cash Bonus if combined eligible consumer balances are $100,000 or greater - 40% Loyalty Cash Bonus if combined eligible consumer balances are between $50,000 and $99,999.99 - 30% Loyalty Cash Bonus if combined eligible consumer balances are between $25,000 and $49,999.99 - 20% Loyalty Cash Bonus if combined eligible consumer balances are between $10,000 and $24,999.99 - 10% Loyalty Cash Bonus if combined eligible consumer balances are less than $10,000 Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees. The non-Truist ATM transaction fee is charged per withdrawal, balance inquiry or transfer when using a non-Truist ATM. 6 Most Truist One checking accounts start in Level 1 upon account opening and can begin increasing levels following the first month. Thereafter, Truist One Checking levels are determined by the balance in your Truist One Portfolio (“Portfolio”). Your Portfolio includes all eligible Truist consumer deposit balances in your checking accounts, savings, Certificates of Deposit, IRAs and/or all investments through Truist Investments Services, Inc. where you are the primary or secondary account owner. For each of your accounts used in the Portfolio, we use the monthly average ledger balance. We then take the sum of all of these accounts to determine the Portfolio balance for the month. Each month, your level is based on the highest Portfolio value of the three previous months. Leveling up can occur on a monthly basis, but leveling down can only occur on a three-month basis.

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