{"account":{"slug":"truist-one-checking","bank":"Truist","name":"One Checking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.truist.com/checking/truist-one-banking","history":[{"date":"2026-06-11","apy":"None","monthlyFee":"$12 with multiple waiver paths","minimumOpen":"$25 online / $50 in branch in the archive record","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"None","monthlyFee":"$12, waived through published deposit, balance, relationship, student, or age paths","minimumOpen":"$50","note":"Corrected the opening minimum, all four upper-tier loyalty bonuses, and the Level 2 through Level 4 domestic ATM allowances","sourceUrl":"https://www.truist.com/checking/truist-one-banking/disclosures-and-fees","sourceLabel":"Truist One Checking disclosures and fees"},{"date":"2026-10-23","apy":"No interest at any Truist One Checking benefit level","monthlyFee":"$12 per statement cycle; waived through qualifying deposits, balances, linked relationships, student status or primary-owner age","minimumOpen":"$50","atm":"Truist ATMs are free. The standard domestic non-Truist fee is $3, increasing to $3.50 on November 9, 2026; international non-Truist use costs $5 plus a 3% assessment. Operator charges may apply. Domestic level allowances are 0, 1, 3, 5 or unlimited; operator rebates are capped at $3 per charge.","note":"Rechecked full One Checking terms, Balance Buffer, waiver measurement, external-transfer fees, benefit levels and Confidence differences. Separated the November 9, 2026 ATM fee increase from current pricing.","sourceUrl":"https://www.truist.com/checking/truist-one-banking/disclosures-and-fees","sourceLabel":"Truist One Checking disclosures and September 28 fee schedule"}],"verificationEvents":[{"id":"b5a42e6b-9cae-4137-bf7d-5e3ccf75d59c","entityType":"bank-account","slug":"truist-one-checking","checkedAt":"2026-10-23T13:45:53.233Z","recordedAt":"2026-10-23T13:45:53.234Z","sourceUrl":"https://www.truist.com/checking/truist-one-banking/disclosures-and-fees","sourceLabel":"Truist One disclosures and September 28, 2026 fee schedule","outcome":"changed","summary":"Reviewed fee waivers, Balance Buffer, transfer fees and timing, Confidence comparison and benefit levels. Added November 9 ATM fee increase with its effective date.","changedFields":["tagline","apy","monthlyFee","fdic","plans","features","atm","pros","cons","ourTake","bestFor","sections","editorialReview","lastVerified","termHistory"],"facts":{"monthlyFee":12,"openingMinimum":50,"buffer":100,"bufferAgeDays":35,"singleBufferDeposit":100,"feeWaiverDepositTotal":500,"currentDomesticATMFee":3,"futureDomesticATMFee":3.5,"ATMFeeChangeDate":"2026-11-09","operatorRebateCap":3,"inboundTransferFee":0,"standardOutboundFee":3,"nextDayOutboundFee":6,"instantOutboundFeeWhereOffered":3,"ConfidenceMonthlyFee":5},"previousHash":"28e612dfaa72b56fa273810268ec0ea7aab355a39a6168636abe25730d1ce72c","recordHash":"a38c4b754679f584dc8ee0929fc8face314503135c9a8c7227a637eb46e6fed4"},{"id":"5d074220-aa00-4dd7-ad38-4b26deeae2aa","entityType":"bank-account","slug":"truist-one-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:06:39.180Z","sourceUrl":"https://www.truist.com/checking/truist-one-banking/disclosures-and-fees","sourceLabel":"Truist One Checking disclosures and fees","outcome":"changed","summary":"Completed the five-level review; corrected the opening minimum, loyalty bonuses and ATM allowances, and attached the current official opening offer","changedFields":["monthlyFee","minimumOpen","plans","features","atm","bonusSlug","termHistory","lastVerified"],"facts":{"monthlyFee":12,"minimumOpen":50,"levelAtmWaivers":[0,1,3,5,"unlimited"],"loyaltyBonuses":[10,20,30,40,50],"openingBonus":500,"offerExpires":"2027-02-02"},"previousHash":"4f76e7f12dde19e283995cb7e9ace76b32b7a67ee64a33b0de61e713b081c305","recordHash":"78edc10e5a13141097ea96dad663ccbfe25c46371921c291ca0b28e744a735a1"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}