Last Updated: 05/11/2026
Truist One Checking Account
Unaffiliated
Last Updated: 05/11/2026
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Highlights
Welcome Offer
$400(Verified 05/06/2026)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A(Verified 05/06/2026)
Monthly Service Fee
$0 - $12(Verified 05/06/2026)
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Truist One Checking Account Review
The Truist One Checking Account is offered by Truist Financial Corporation, a bank founded in 2019 and based in Charlotte, NC. Truist One Checking is available in 50 states and Washington, DC.
Key Takeaways
- 10%-50% more rewards. Get more cash back or miles from select Truist credit cards.
- Earn $400 when you open a new Truist One Checking account online by 7/9/26. Complete within 120 days of opening: (1) at least 2 qualifying direct deposits totaling $2,000 or more, AND (2) at least 20 qualifying debit card purchases. New customers only. Available in AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV and DC. Reward deposited within 4 weeks of meeting requirements. Cannot be combined with other checking offers.
- Waivable monthly maintenance fee. Waive the fee by making $500 in total qualifying monthly direct deposits, or maintaining 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, or have a linked Truist credit card, mortgage or consumer loan (including LightStream®), or having a linked small business checking account, or if you're a student under 25, or if the primary account holder is age 62 or older.
- No ATM fees. Truist One Checking Account does not charge fees on ATM transactions within its network but there is a fee ranging between $3 and $5 for out-of-network ATM transactions .
Truist One Checking Pros & Cons
| Pros | Cons |
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Truist One Checking FAQ
Are checking accounts from Truist Financial Corporation federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #9846). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Truist One Checking offer?
Truist One Checking is not an interest-bearing account.
What are the account minimums for Truist One Checking?
Truist One Checking requires a minimum initial deposit of $50.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $500 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Truist One Checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $12.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $3 - $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $65 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | Waive the fee by making $500 in total qualifying monthly direct deposits, or maintaining 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, or have a linked Truist credit card, mortgage or consumer loan (including LightStream®), or having a linked small business checking account, or if you're a student under 25, or if the primary account holder is age 62 or older. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Truist One Checking offer?
This account includes the following features:
- Earn $400 when you open a new Truist One Checking account online by 7/9/26. Complete within 120 days of opening: (1) at least 2 qualifying direct deposits totaling $2,000 or more, AND (2) at least 20 qualifying debit card purchases. New customers only. Available in AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV and DC. Reward deposited within 4 weeks of meeting requirements. Cannot be combined with other checking offers.
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Mobile Banking Services - Truist One Checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Truist One Checking?
The customer support email for Truist One Checking is clientresolution@truist.com.
Truist 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 5:00PM
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Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
$0 - $5
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$12
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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Everyone recommends
Truist One Checking Account Community Reviews
Would you recommend Truist One Checking Account to your friends?
KU
Katie U.
Dec 30, 2023
May or may not recommend
It may not have the bells and whistles of some other accounts, but for those seeking a straightforward and dependable checking experience, Truist is a solid choice. I never had any problems and it was a great place to have a basic checking account and a great choice to get my first credit card.
MC
Megan C.
Nov 18, 2023
May or may not recommend
I had a truist account back when it was still also BB&T and I did not like banking with them. I could not get a debit card unless I had $100 or more in my account. Crazy fees if you did not do a certain amount of transactions in a month which I thought was very odd.
Showing 2 of 2 reviews
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