Truist
Truist One Checking
By Alex Compton · Guidance updated
Reviewed fee waivers, Balance Buffer eligibility, external transfers, Confidence differences, benefit levels and the November 9 ATM-fee change against current Truist disclosures.
Guidance checked October 23, 2026. Full account terms last verified October 23, 2026; location-specific rates and eligibility still require confirmation with the bank.
Sources for this guidance
- Truist One Checking disclosures and fees
- Personal deposit fee schedule, effective September 28, 2026
- Truist One benefit levels and reward-redemption rules
- Truist online and mobile banking agreement
- Truist account setup and transfer verification
- Truist Confidence account disclosures
- Truist $500 checking promotion
Insurance: Truist Bank, Member FDIC: up to $250,000 per depositor, per ownership category; deposits at the same bank are combined
Live Bonus
Truist One Checking currently pays a $500 opening bonus: $500 after at least two qualifying direct deposits totaling $2,000 and 20 qualifying debit-card purchases within 120 days. See the full requirements.
Source checked October 23, 2026 · Offer ends February 2, 2027
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-10-23 | No interest at any Truist One Checking benefit level | $12 per statement cycle; waived through qualifying deposits, balances, linked relationships, student status or primary-owner age | $50 | Truist One Checking disclosures and September 28 fee schedule →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. |
| 2026-09-04 | None | $12, waived through published deposit, balance, relationship, student, or age paths | $50 | Truist One Checking disclosures and fees →Corrected the opening minimum, all four upper-tier loyalty bonuses, and the Level 2 through Level 4 domestic ATM allowances |
| 2026-06-11 | None | $12 with multiple waiver paths | $25 online / $50 in branch in the archive record | Archive record · no attached snapshotLegacy snapshot before event-level evidence attachments |
Primary-source verification log
Append-only evidence ledger- changed
Reviewed fee waivers, Balance Buffer, transfer fees and timing, Confidence comparison and benefit levels. Added November 9 ATM fee increase with its effective date.
Fields: tagline, apy, monthlyFee, fdic, plans, features, atm, pros, cons, ourTake, bestFor, sections, editorialReview, lastVerified, termHistory
Truist One disclosures and September 28, 2026 fee schedule → - changed
Completed the five-level review; corrected the opening minimum, loyalty bonuses and ATM allowances, and attached the current official opening offer
Fields: monthlyFee, minimumOpen, plans, features, atm, bonusSlug, termHistory, lastVerified
Truist One Checking disclosures and fees →
Monthly fees and ways to waive them
Each row links to the official account details. Waiver requirements apply by statement period; other service fees may still apply. Checked 2026-10-23.
| Account | Monthly fee | Ways to waive the fee | Key differences |
|---|---|---|---|
| Level 1: $0–$9,999.99 portfolio | $12 unless a monthly-fee waiver applies | See account terms |
|
| Level 2: $10,000–$24,999.99 portfolio | $12 unless a monthly-fee waiver applies | See account terms |
|
| Level 3: $25,000–$49,999.99 portfolio | $12 unless a monthly-fee waiver applies | See account terms |
|
| Level 4: $50,000–$99,999.99 portfolio | $12 unless a monthly-fee waiver applies | See account terms |
|
| Level Premier: $100,000+ portfolio or qualifying relationship | $12 unless a monthly-fee waiver applies | See account terms |
|
Features
- ▸No overdraft, returned-item, negative-balance or overdraft-protection transfer fees on this account; linked credit advances can have separate costs
- ▸An eligible account can use a $100 Balance Buffer after at least 35 days, positive funding and a qualifying single direct deposit of $100 or more
- ▸The $12 fee can be waived with $500 total qualifying direct deposits per statement cycle or $500 in eligible combined ledger balances at the specified measurement date
- ▸Other waiver paths include a personal Truist credit card, mortgage or consumer loan, a qualifying linked small-business checking account, student status or primary-owner age under 25 or 62+
- ▸Five benefit levels use eligible combined monthly average balances; the highest portfolio value from the previous three months determines the level
- ▸Online and mobile banking support transfers, bill pay and mobile check deposit; transfer methods, fees, holds and eligibility differ
- ▸Eligible credit-card rewards can receive a 10%–50% loyalty bonus at redemption; Truist Deals is a separate merchant-offer program
Pros
- +Several ways to avoid the $12 monthly fee, including age and student paths
- +No overdraft-related account fees, with an eligibility-based Balance Buffer
- +Check writing, branch service and online/mobile banking
- +Domestic ATM allowances and eligible reward-redemption bonuses increase with the benefit level
Cons
- −No interest on checking, even at Level Premier
- −The $100 buffer requires ongoing eligibility and does not guarantee every transaction will be paid
- −Outgoing external transfers and non-network ATM use can cost extra
- −A 50% loyalty bonus applies to eligible redeemed rewards, not 50% of purchases
Our Take
Truist One can suit people who use its branches and can reliably meet a monthly-fee waiver. Its lack of overdraft-related account fees is useful, but the $100 buffer has separate eligibility rules and money spent below zero still has to be repaid. Compare Confidence if you prefer a checkless account with a lower fee. Keep only the balances that make sense for your needs: Truist One itself pays no interest, and higher benefit levels do not make every service free.
Best for: Customers who value Truist branch access and can meet a monthly-fee waiver
Open at Truist →Last verified 2026-10-23
No overdraft fees does not mean unlimited overdrafts
Truist One does not charge overdraft, returned-item, negative-balance or overdraft-protection transfer fees. To first qualify for its $100 Balance Buffer, the account must be at least 35 calendar days old, have positive funding and receive a single direct deposit of at least $100 within the preceding 35 days. That deposit requirement continues: access ends after 35 days without one. Transactions will typically be declined or returned after the buffer is exhausted. Optional linked overdraft protection uses available funds from another eligible account; linked credit-card or credit-line advances can still incur their own fees and finance charges. The buffer is used before linked protection.
The $500 fee waiver uses different rules from the $100 buffer
To avoid the $12 maintenance fee, one route is $500 total qualifying ACH direct deposits during the statement cycle. Moving money from another account, mobile check deposits and cash deposits do not meet that direct-deposit test. A separate route measures at least $500 in combined eligible ledger balances on the business day before the statement ends; it is not a $500 monthly-average test. Eligible personal deposits and brokerage accounts count, but Truist HSA does not. A personal Truist credit card, mortgage or consumer loan, including LightStream, or a qualifying linked small-business checking account can also waive the fee. The primary-owner age waiver covers under 25 or 62 and older. Students must provide an expected graduation date, when that waiver expires.
Transfers into and out of Truist One
You can use online or mobile banking to transfer between eligible accounts you own. An external account must be enrolled and its ownership verified; setup can take 1–3 business days. Truist’s standard external transfer service credits funds on the third business day after submission before the cutoff. Faster choices depend on account eligibility and appear in the app. The September 28 fee schedule lists no charge for inbound external transfers, $3 for standard outbound transfers and $6 for next-day outbound transfers. It also lists a $3 instant outbound option beginning October 2026, where offered. Wealth relationship waivers can apply; do not assume Level Premier alone qualifies. Check the displayed cutoff, limit, arrival date and fee before confirming. Funding a checking account this way does not automatically satisfy a direct-deposit waiver or bonus.
Truist One vs Confidence
Truist One requires $50 to open, supports paper checks and offers the eligibility-based Balance Buffer and benefit levels. Confidence requires $25, does not support paper checks, has no Balance Buffer and does not receive the five level benefits. Neither charges overdraft-related account fees or earns interest. Confidence’s monthly fee is $5, waivable with $500 in total deposits, 10 qualifying posted transactions, qualifying primary-owner age or student status. That deposit rule differs from One’s qualifying-direct-deposit route. Confidence can link only Confidence Savings for overdraft protection. Over 12 fee-charged cycles, One costs $144 versus Confidence’s $60, before other service charges. Starting October 2026, Truist reviews Confidence accounts after one year for possible upgrades; an upgrade is not guaranteed.
How benefit levels, ATM allowances and loyalty bonuses work
Most accounts start at Level 1. Truist totals eligible monthly average balances and uses the highest portfolio value from the previous three months. This differs from the single-date ledger balance used for the monthly-fee waiver. Some qualifying relationships can provide a higher starting level. Domestic ATM allowances reset on the third business day each month; the published operator-surcharge rebate remains capped at $3 per charge. The standard domestic non-Truist ATM fee rises from $3 to $3.50 on November 9, 2026. International ATM use is outside those domestic allowances. Loyalty percentages depend on the eligible credit card and redemption method, with new deposit relationships eligible from the following month. For example, a 50% bonus on $100 of eligible redeemed rewards adds $50; it is not $50 back on every $100 spent.
Check the account name on a legacy SunTrust or BB&T statement
These terms apply to Truist One Checking. They should not be assumed to govern every legacy SunTrust, BB&T or other Truist account. Confirm your exact product on your statement and use the applicable fee schedule before relying on One’s overdraft policy, waiver rules or benefit levels.
Frequently asked questions
Does Truist One Checking have overdraft fees?
No. It does not charge overdraft, returned-item, negative-balance or overdraft-protection transfer fees. Transactions can still be declined, and any negative balance must be repaid. Credit-card or credit-line advances used as linked protection can have separate fees and finance charges.
What is the $100 Negative Balance Buffer?
It allows an eligible Truist One account to overdraw up to $100. Initial eligibility requires an account at least 35 days old, positive funding and one direct deposit of at least $100 in the last 35 days. You must keep receiving a qualifying single deposit within each 35-day period to retain access.
Can I transfer money to and from Truist One Checking?
Yes, through online or mobile banking between eligible enrolled accounts you own. External-account verification can take 1–3 business days. Inbound external transfers have no Truist fee; standard outbound transfers cost $3 and next-day transfers cost $6 unless waived. Eligible instant outbound transfers are listed at $3 beginning October 2026. The app shows available options, limits and timing.
How is Truist One different from Confidence?
One supports paper checks, benefit levels and an eligibility-based $100 buffer, with a $50 opening minimum and $12 monthly fee. Confidence is checkless, has no buffer or level benefits, and has a $25 opening minimum and $5 monthly fee. Both offer fee waivers and have no overdraft-related account fees.
Does keeping $500 in Truist One waive the monthly fee?
The balance route uses at least $500 in combined eligible ledger balances measured on the business day before the statement cycle ends. It is separate from the $500 qualifying direct-deposit route. Other relationship, age and student waivers are also available.
Does Truist One Checking earn interest?
No. None of its five benefit levels earns checking interest. A separate savings account, money market account or a different checking product has its own rates and requirements.
When does Truist’s non-network ATM fee increase?
The standard domestic non-Truist ATM charge rises from $3 to $3.50 on November 9, 2026. Domestic benefit-level allowances still depend on your level, and the published operator-surcharge rebate cap is $3 per charge. Separate international and operator charges can apply.
Is a transfer enough to earn the $500 checking bonus?
No. The offer requires enrollment at opening, at least two qualifying direct deposits totaling $2,000, and 20 qualifying debit purchases within 120 days, plus other eligibility rules. Ordinary account transfers and Zelle payments do not qualify as bonus direct deposits. Review the linked bonus record and official promotion before opening.
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