With no overdraft fees Disclosure 1 , $100 Negative Balance Buffer Disclosure 2 , and automatic upgrades, Truist One Checking – the One account that has your back. Fees may apply.
Cash in your Truist One Savings account may help you unlock Truist personal checking account benefits. Fees may apply.
Earn unlimited rewards. You choose how.
Need help with expenses? Your home’s equity is there to answer the call.
First home or dream home, find the digital tools to ease your journey and a team to help lighten the load.
Earn $400 with Truist Simple Business or Dynamic Business Checking—new business checking clients only, terms apply Disclosure †
Achieving your financial dreams requires smart decisions that help create opportunities. Having a trusted financial advisor by your side can make all the difference.
Component ID : "accordionGridLayout-1064765154"† Terms and Conditions for the 2024 Truist One Checking $400 Online Only Offer: TRUIST400DC24
Offer Information: Open a new Truist One Checking account online from 2/28/24 through 10/30/24, complete the following activities within 90 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.
Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code TRUIST400DC24. Please refer to the Account Opening and Enrollment section below for full instructions.
*The definition of a qualifying Direct Deposit is an electronic credit (greater than $0.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. 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 purchase transactions, including PIN Point of Sale (POS), recurring transactions, transactions made via tap or through a digital wallet, and signature-based purchases. These transactions must be posted within 90 days of the new checking account opening. ATM withdrawals at a branch 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 2/28/23 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 mailing 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. The new checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. 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 checking account is changed to an account type not included in this client offer, (2) the checking account is closed prior to the reward being deposited, or (3) the new checking account has a $0.00 or negative available balance at the time of qualification validation.
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 our sole discretion to prohibit a reward payout to non-eligible individuals for any offers claimed through third-party websites with no affiliation or prior authorization from Truist. All promotional payouts will be processed no later than 6/30/25 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.
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 TRUIST400DC24 into the promo code field provided, review the offer Terms and Conditions, and then select "Accept Offer". Accounts opened without the promo code applied will not be eligible to participate in the offer.
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Disclosure 1 Truist does not charge overdraft related fees on this product. Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees. Transactions that exceed the account balance will typically be declined or returned.
Disclosure 2 To initially qualify requirements below must be met for the $100 Negative Balance Buffer:
To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:
After qualifying, if two months pass without a Direct Deposit of at least $100, you will no longer have access to Negative Balance Buffer.
For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Account Buffer first. If the account has neither, transactions that exceed the account balance will be declined or returned.
The $100 Negative Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. Initial and ongoing eligibility requirements apply. If the $100 Negative Balance Buffer is not available (and the account does not have Overdraft Protection), transactions that exceed the account balance will be declined or returned.
Disclosure 3 Rates will vary with the market based on the Prime Rate + margin. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 8.50% as of 5/9/24. Standard APRs are variable during the 10-year draw period and 20-year repayment period and apply only to the variable rate option; are based on your collateral property location, credit line amount, combined Loan-To-Value (CLTV) ratio and other factors; and can range from Prime +0.00% (currently 8.50% APR) to Prime + 7.50% (currently 16.00% APR). During the 20-year repayment period for this option, the APR will continue to be calculated at a variable rate and your minimum monthly payment will be 1/240th of the total balance at the end of the draw period, plus interest and any applicable fees/charges. The maximum APR is 16% for properties located in NC and 18% for properties located in AR, CA, FL, GA, TN, AL, SC, VA, MD, DC, WV, IN, KY, NJ, OH, PA, or TX.
Rates will vary if the client chooses for the bank to pay their closing costs, which is an option in some states if the requested loan amount is less than or equal to $500,000. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $10,000, and may vary by state. If you pay off your Truist Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs Truist paid on your behalf.
Disclosure 4 Excellent credit is required to qualify for the lowest rates. At least 50% of approved applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/23 – 4/15/24.
Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, phone, or in a branch from 7/1/2024 through 9/30/2024 and earn $400 by making Qualifying Deposits* of $1,500 or more into your new account within 30 days of account opening.
Enrollment in the promotion is required at the time of account opening using promo code SB24Q3CHECKING to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment section below for instructions.
*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.
Offer Eligibility: You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 1/3/2024), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The account opened for this offer must have the same account ownership with matching client Taxpayer Identification Number (TINs). The business’s physical address must be located in one of the following states: 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 business checking account within 4 weeks after the qualification requirements have been met and verified. The new business checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. Only one newly opened business checking account per client is eligible to participate in this offer. Truist may report the value of any 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 business checking account is changed to an account type not included in this offer, (2) the business checking account is closed prior to the reward being deposited, or (3) the new business checking account has a $0.00 or negative available balance at the time of qualification validation.
Other Terms: Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist's Business Deposit Accounts Fee Schedule for additional information.
The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. All promotional payouts will be processed no later than 3/31/2025, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.
Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB24Q3CHECKING is entered into the Promo Code field and accept the offer when presented. Accounts opened online without the Promo Code will not be eligible to participate in the offer.
Branch Account Opening & Promotion Enrollment Instructions: Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the 2024 Truist Q3 Small Business Checking Offer using promo code SB24Q3CHECKING.
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