Truist
Truist One Checking
By Alex Compton · Last verified
One account with five benefit levels and no overdraft fees, period
Insurance: FDIC insured up to $250,000 per depositor (Truist Bank)
Live Bonus
This account 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 September 4, 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 | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 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
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 →
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
- ▸10% loyalty bonus on eligible Truist credit card rewards
Level 2 ($10k-$25k)
$12 unless waived
- ▸One non-Truist domestic ATM fee waiver and surcharge rebate per monthly cycle
- ▸20% loyalty bonus on eligible Truist credit card rewards
Level 3 ($25k-$50k)
$12 unless waived
- ▸Three non-Truist domestic ATM fee waivers and surcharge rebates per monthly cycle
- ▸30% credit card loyalty bonus
Level 4 ($50k-$100k)
$12 unless waived
- ▸Five non-Truist domestic ATM fee waivers and surcharge rebates per monthly cycle
- ▸40% 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
- ▸Unlimited non-Truist domestic ATM fee waivers and surcharge rebates
- ▸Monthly fees waived on all additional Truist One Checking and Savings accounts
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
- ▸$50 minimum opening deposit
- ▸Fee waivers include $500 in qualifying direct deposits, $500 in combined balances, a personal Truist credit product, a linked small-business checking account, student status, or primary-owner age under 25 or 62+
- ▸$500 public opening offer through February 2, 2027 after qualifying deposits and debit-card purchases
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 2026-09-04
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