Truist
Truist Business Checking (Simple / Dynamic)
A free starter tier and a perk-stacked upgrade for the Southeast
Insurance: FDIC insured up to $250,000 (Truist Bank)
Plan Options
Simple Business Checking
$0
- ▸No monthly maintenance fee, period
- ▸50 free transactions per cycle, then $0.35 each
- ▸$2,000 free cash deposits per cycle, then $0.003 per dollar
Dynamic Business Checking
$20, waived with $5,000 in combined average relationship ledger balances
- ▸500 free transactions per cycle, then $0.50 each
- ▸$25,000 free cash deposits per cycle and 4 free incoming domestic wires
- ▸Unlockable perks tiers as relationship balances grow
Features
- ▸Simple tier is fee-free with no waiver conditions
- ▸Dynamic's $25,000 monthly cash allowance leads its price class
- ▸Perks model on Dynamic adds benefits as balances grow
- ▸Four free incoming domestic wires per month on Dynamic
- ▸~1,900 branches across the Southeast and Mid-Atlantic
- ▸Full small-business lending and merchant services under one roof
Pros
- +True $0 entry account from a top-ten bank
- +Dynamic's cash deposit allowance embarrasses similarly priced rivals
- +Low $5,000 relationship waiver for the upgrade tier
- +Strong Southeast branch density
Cons
- −Simple's 50-transaction cap is the tightest of any major free account
- −No interest on either tier
- −Footprint is regional; little presence outside the Southeast/Mid-Atlantic
- −Post-merger service complaints persist
Our Take
Truist brackets the small-business market neatly: Simple for genuinely tiny operations, Dynamic for anyone moving real cash. Fifty free transactions will pinch quickly, so treat Simple as a starter and expect to graduate. Dynamic at a $5,000 waiver with $25,000 of free cash handling is one of the best cash-business deals at any branch bank in its footprint.
Best for: Southeast businesses, especially cash-heavy ones that fit Dynamic
Open at Truist →Last verified 2026-06-11
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