Truist One Checking: A Comprehensive Account with Tiered Benefits
Truist Bank offers Truist One Checking, a checking account with various features and benefits tailored to your relationship with the bank.
Benefit Levels
Truist One Checking account holders are automatically assigned to one of five benefit levels based on their total monthly average balance across personal checking, savings, and investment accounts with Truist.
Balance Requirements
The balance requirements for each benefit level are as follows:
Key Facts
- Truist One Checking: Truist Bank offers a checking account called Truist One Checking. It is a comprehensive checking account that provides various benefits and perks based on your relationship with Truist Bank.
- Benefit Levels: Truist One Checking account holders are automatically placed in one of five benefit levels, which are determined by your total monthly average balance with Truist in your personal checking, savings, and investment accounts.
- Balance Requirements: The balance requirements for Truist One Checking vary based on the benefit level. The levels range from $0.00 – $9,999.99 to $100,000+ or Premier/Wealth Client.
- Additional Accounts: Depending on your benefit level, you may be eligible to have additional Truist One Checking and/or Truist One Savings accounts with no monthly maintenance fee.
- Loyalty Bonus: Truist One Checking account holders who also have eligible Truist credit cards may receive a Loyalty Bonus based on their relationship status with Truist. The Loyalty Bonus percentage varies based on the benefit level.
- Other Perks: Truist One Checking account holders may enjoy benefits such as Zelle limits, debit card daily limits, non-Truist ATM waivers and surcharge rebates, Delta SkyMiles Debit Card annual fee discounts, check orders, official checks/money orders, and safe deposit box annual fee discounts.
- Level 1: $0.00 – $9,999.99
- Level 2: $10,000 – $24,999.99
- Level 3: $25,000 – $49,999.99
- Level 4: $50,000 – $99,999.99
- Level 5: $100,000+ (Premier/Wealth Client)
Additional Accounts
Depending on your benefit level, you may qualify for additional Truist One Checking and/or Truist One Savings accounts with no monthly maintenance fee.
Loyalty Bonus
Truist One Checking account holders who also have eligible Truist credit cards may receive a Loyalty Bonus based on their relationship status with Truist. The Loyalty Bonus percentage varies by benefit level.
Other Perks
Truist One Checking account holders may enjoy additional benefits, including:
- Zelle limits
- Debit card daily limits
- Non-Truist ATM waivers and surcharge rebates
- Delta SkyMiles Debit Card annual fee discounts
- Check orders
- Official checks/money orders
- Safe deposit box annual fee discounts
Conclusion
Truist One Checking is a versatile checking account that offers a range of benefits and perks based on your relationship with Truist Bank. With its tiered benefit structure, you can enjoy tailored features and maximize your banking experience.
Sources
FAQs
Does SunTrust offer free checking accounts?
Yes, SunTrust offers a free checking account called Truist One Checking.
What are the requirements to open a Truist One Checking account?
To open a Truist One Checking account, you must be at least 18 years old and have a valid Social Security number or Taxpayer Identification Number. You will also need to provide a valid government-issued ID.
Are there any monthly maintenance fees for Truist One Checking?
No, there is no monthly maintenance fee for Truist One Checking.
What are the benefits of Truist One Checking?
Truist One Checking offers a variety of benefits, including:
- No overdraft fees
- No monthly maintenance fees
- Free debit card
- Free checks
- Free online and mobile banking
- Access to a nationwide network of ATMs
How do I qualify for the highest benefit level with Truist One Checking?
To qualify for the highest benefit level with Truist One Checking, you must maintain a total monthly average balance of $100,000 or more across your personal checking, savings, and investment accounts with Truist.
What is the Loyalty Bonus?
The Loyalty Bonus is a bonus that Truist One Checking account holders can earn when they use their Truist credit card to make purchases. The Loyalty Bonus percentage varies based on your relationship status with Truist.
Can I have multiple Truist One Checking accounts?
Yes, you can have multiple Truist One Checking accounts. However, only one account will be eligible for the highest benefit level.
How do I open a Truist One Checking account?
You can open a Truist One Checking account online, by phone, or at any Truist branch.