Truist One Checking

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About Truist Checking Accounts

The Truist One Checking from Truist is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 8.7/10. Modern relationship checking account with ZERO overdraft fees, a $100 negative balance buffer for qualifying clients, and 5 levels of relationship Loyalty Perks.

Key highlights include 0.01% APY, a fee structure of $12 Monthly Fee ($0 w/ $500 Direct Deposit, $500 Balance, or Student under 25), and $400 Truist One Checking Promo Bonus. Accounts are backed by FDIC Insured up to $250,000 and supported by Truist's 4.7 / 5.0-rated digital banking experience.

Features

Annual Fee $12 Monthly Fee ($0 w/ $500 Direct Deposit, $500 Balance, or Student under 25)
Regular APR / Rate 0.01% APY
Intro Offer / Welcome Bonus $400 Truist One Checking Promo Bonus
Savings APY / AER $0 Overdraft Fees + $100 Negative Balance Buffer
Minimum Deposit $50 Minimum Opening Deposit
Foreign Transaction Fee 3% Foreign Transaction Fee
Deposit Insurance FDIC Insured up to $250,000
Mobile App Rating 4.7 / 5.0
Overall Rating 8.7 / 10

About Product

  • Annual / Monthly Fee: $12 Monthly Fee ($0 w/ $500 Direct Deposit, $500 Balance, or Student under 25)
  • APR / APY Rate: 0.01% APY
  • Intro Offer / Bonus: $400 Truist One Checking Promo Bonus
  • Key Benefits: $0 Overdraft Fees + $100 Negative Balance Buffer
  • Minimum Requirement: $50 Minimum Opening Deposit
  • Foreign Transaction Fee: 3% Foreign Transaction Fee
  • Protection: FDIC Insured up to $250,000

Pros

  • Rate / APR / APY: 0.01% APY
  • Fee Structure: $12 Monthly Fee ($0 w/ $500 Direct Deposit, $500 Balance, or Student under 25)
  • Welcome Offer / Benefit: $400 Truist One Checking Promo Bonus
  • Rewards & Highlights: $0 Overdraft Fees + $100 Negative Balance Buffer

Cons

  • Minimum Requirement: $50 Minimum Opening Deposit
  • Subject to Truist eligibility and account terms

Ready to check your rate for Truist One Checking?

Visit the official Truist website to view current terms, eligibility, and apply online.

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