The Truist One Checking account from Truist Financial is a modern, straightforward option for anyone looking to avoid common banking fees and eliminate overdraft stress. With no monthly maintenance charges for eligible customers, flexible terms, and benefit tiers based on account balances, this account offers a competitive package for everyday banking. Here’s what you should know.
Truist One Checking
You can open a Truist One Checking account with just $50, and there are no opening fees. One of its standout features is the no overdraft fee policy, which includes a $100 buffer for qualifying customers to help avoid accidental overdrafts.
The account is also part of a five-tier benefit structure, which is based on your combined average balance across checking, savings, and investment accounts with Truist. As your balance grows, so do your perks—including credit card bonuses, free international transactions, complimentary check orders, and safe deposit box discounts.
Main Benefits
Beyond the overdraft fee relief, Truist One Checking provides a variety of valuable features to make day-to-day banking easier and more rewarding:
- No withdrawal fees at over 3,000 Truist ATMs nationwide;
- Fee-free access to additional Truist accounts, depending on your relationship tier;
- Credit card loyalty bonuses: From Tier 1 to Premier, earn up to 50% more points on your Truist credit card;
- Waived annual fee on safe deposit boxes—available at every tier.
Plus, Truist offers a highly secure mobile app for managing your money, transferring funds, paying bills, and more. It’s a great option for anyone who wants everyday flexibility, transparent fees, and personalized support right at their fingertips.
