Truist
Truist One Checking
One account with five benefit levels and no overdraft fees, period
Insurance: FDIC insured up to $250,000 per depositor (Truist Bank)
Plan Options
Level 1 (under $10k combined)
$12 unless waived
- ▸No overdraft fees on any Truist One account
- ▸$100 Negative Balance Buffer for eligible accounts with qualifying deposits
Level 2 ($10k-$25k)
$12 unless waived
- ▸Two non-Truist ATM fee waivers per month
- ▸10% loyalty bonus on Truist credit card rewards
Level 3 ($25k-$50k)
$12 unless waived
- ▸Unlimited non-Truist ATM fee waivers
- ▸20% credit card loyalty bonus
Level 4 ($50k-$100k)
$12 unless waived
- ▸30% credit card loyalty bonus
- ▸Free unlimited checks and additional service fee waivers
Level Premier ($100k+)
$12 unless waived (trivially waived at this balance)
- ▸50% credit card loyalty bonus
- ▸Delta SkyMiles debit card annual fee waived
- ▸Best relationship pricing across Truist products
Features
- ▸No overdraft fees on the account at all, plus a $100 negative balance buffer for qualifying accounts
- ▸Benefit levels upgrade automatically based on combined monthly average balances
- ▸Credit card loyalty bonus scales from 10% to 50% of rewards earned
- ▸About 1,900 branches across the Southeast and Mid-Atlantic
- ▸$25 minimum online opening
- ▸Multiple easy fee waivers including simply holding a Truist credit card
Pros
- +Eliminating overdraft fees entirely on a mainstream branch account is rare
- +Credit card loyalty bonus is a real sweetener at higher levels
- +Waiver via any Truist credit card or loan is the easiest kind
- +Automatic level upgrades require no enrollment
Cons
- −No interest at any level
- −Footprint is regional, Southeast and Mid-Atlantic only
- −Level benefits below $25k are thin
- −Post-merger service complaints persist
Our Take
Truist One's headline is the absence of overdraft fees and the $100 buffer, which makes it one of the safer mainstream accounts to run close to zero. The benefit levels are a clever loyalty ladder, but be honest about the math: the 50% card bonus only matters if you're already spending heavily on Truist cards. As a free regional branch account with overdraft protection built in, it earns its place.
Best for: Southeast banking customers who run lean balances and hate overdraft fees
Open at Truist →Last verified 2026-06-11
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