Truist One Checking account

Highlights

Welcome Offer

$400(Verified 05/20/2026)

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Rewards

N/A

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APY (Annual Percentage Yield)

N/A(Verified 05/20/2026)

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Monthly Maintenance Fee

$0 - $12(Verified 05/20/2026)

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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 17 states and Washington, DC.

Key Takeaways

• 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. There are multiple ways to waive the monthly maintenance fee. See terms and conditions below for more details.
• 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
Five ways to waive the monthly maintenance fee. $100 Balance Buffer for eligible clients. Bonus offer* of $400 for new Truist One Checking account clients with qualifying activities Debit card and the option to lock/unlock the card if lost or stolen	Does not earn interest. Only available in 17 states, and Washington, DC. Charges a fee on out-of-network ATM transactions.

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.

Truist One Checking account Minimums

Description
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.

Truist One Checking account Fees

Description
Monthly Maintenance 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	There are multiple ways to waive the monthly maintenance fee. See terms and conditions below for more details.

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 checks^* 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: Terms and Conditions for Truist One Checking Affiliate $400 Online Offer Q2 2026: AFL400TR1Q226

Offer Information: Open a new Truist One Checking account online from 3/26/26 through 7/9/26, complete the following activities within 120 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion.

• Receive at least two qualifying direct deposits* totaling $2,000 or more AND
• Complete at least 20 qualifying debit card purchases** within 120 days of account opening. All debit purchases must be posted to your account to qualify.

Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code AFL400TR1Q226. Please refer to the Account Opening and Enrollment section below for full instructions.

*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person to person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 3/26/25 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met.

Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All standard account terms and conditions apply.

Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter AFL400TR1Q226 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept this offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.

Version 3 02182026 AFL400TR1Q226

² The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies.

To INITIALLY QUALIFY for the Balance Buffer, the requirements below must be met:

• Account must be opened for a minimum of 35 calendar days
• Account must be funded with a positive balance
• A single direct deposit of at least $100 made within the last 35 calendar days

To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met:

• A single direct deposit of at least $100 made within the last 35 calendar days.

After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer. For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned. For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

³ The Monthly Maintenance Fee (MMF) can be waived for the Truist One Checking account for each statement cycle by any one of the following:

• Maintenance fees are waived for primary account owners under the age of 25 or age 62 and older.
• Making $500 or more in total qualifying Direct Deposits per statement cycle. A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
• Maintain a total combined ledger balance of $500 or more in your Truist related accounts. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA) and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance.
• Having a personal Truist credit card, mortgage or consumer loan, including LightStream®.
• Having a linked Small Business Checking Account. Eligible Small Business account types include: Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and Business Value 200.
• Primary account owner is a student. The waiver for a student requires they are listed as the primary account owner and they provide their anticipated graduation date. The waiver expires on the provided graduation date. On this date, the account is subject to the Monthly Maintenance Fee unless at least one waiver criterion is satisfied.