Open a checking account

Checking that fits your life.

From earning extras to premium checking—find a checking account that fits you.

Our checking accounts

Built-in extras Truist One® CheckingDisclosure 1
Open now to get started with a Truist One Checking account. Learn more about Truist One Checking.
Premium account Truist Marquee℠ CheckingDisclosure 2
Open now to get started with a Truist Marquee Checking account. Learn more about Truist Marquee Checking.
Learn more about Truist Confidence Account.
Get student checking with Truist One Checking.
No overdraft fees
Truist One Checking doesn’t charge overdraft fees or overdraft-related fees.Disclosure 8 We also offer overdraft cushion with a Balance BufferDisclosure 5 for eligible clients.
No monthly maintenance fee
Truist One Checking waives the $12 monthly maintenance fee for students under 25.Disclosure 3, Disclosure 9
Choose. Shop. Earn.
Earn cash back on your Truist debit card purchases with Truist Deals.Disclosure 10
Benefits that grow with you
As your life evolves and balance grows, we’ll automatically upgradeDisclosure 11 your Truist One Checking account level.
Learn more
Built-in extras that grow with you. As your eligible Truist balances increase, so do your perks.

Truist One Checking has five account levels—with automatic upgradesDisclosure 11. Unlock more perks as your Truist balances increase—like fee waivers and credit card loyalty bonuses.

Explore the benefits for Truist One Checking.

Mobile Banking

Fast. Simple. Secure

Move money, pay friends with Zelle®Disclosure 12, set up bill pay and deposit checksDisclosure 13—right from our app.

Download the Truist mobile app.

Available on the App Store
Get it on Google Play

Protection you can count on

Security you can trust

Our encrypted technology helps keep your information safe and secure.

 Learn more about advanced security.
AlertsDisclosure 14 and card controls that put you in charge

You’re in control with account alerts. Lock your card in seconds if it’s lost or stolen, manage international transactions, and set spending limits.

 Learn more about card controls.
Put our security tools to use

Implement our fraud prevention tools and tips to help keep your money, data, and accounts safe.

 Learn more about fraud prevention.

Got questions about Truist checking accounts?

We have answers.

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It’s easy—and only takes a few minutes. To open an account online, you’ll need to share some personal information, and then we’ll help you make your first deposit. Or, you can visit a branch and we’ll be happy to help you open your account.

To get started, you’ll need to follow your employer's direct deposit directions. You may be able to use this form to enroll.

You’ll need your routing and account numbers for the checking account where you want your funds deposited. You can find this information on one of your own checks, or in digital banking.

On a check: In the string of numbers along the bottom of your check, your routing number is the first set of nine numbers. Your account number will follow, and be between nine and 12 digits.

In digital banking: Select the account you want, and then select "View account details" to see your routing and account number.

For first-time check orders
Online: Sign in to Truist Online Banking, and select Order checks. Follow the instructions.

By phone: For initial check orders, call Truist at 844-4TRUIST (844-487-8478).    

For check orders:
Online: Sign in to Truist Online Banking, and select Order checks and supplies. Follow the instructions.

By phone: Call Deluxe at 877-838-5287.

Enroll in online banking
If you haven't already, create your online banking profile now. You can choose customized alertsDisclosure 14 and set up your account preferences.

Download and try the Truist mobile app
Find the Truist mobile app in your app storeDisclosure 14 . Then sign in with your online banking username and password.

We've made it easy to design your card in just minutes. Need ideas?
Learn more about customizing your debit card.

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Disclosure 1 Refer to the Account Overview Guides (PDF) and the Personal Deposit Accounts Fee Schedule (PDF) for detailed information regarding each feature, benefit and/or fees listed for Truist One Checking.

Disclosure 2 Refer to the Account Overview Guides (PDF) and the Personal Deposit Accounts Fee Schedule (PDF) for detailed information regarding each feature, benefit and/or fees listed for Truist Marquee Checking.

Disclosure 3 The MMF can be waived for the Truist One Checking account for each statement cycle by:

  • Make $500 or more in total qualifying Direct Deposits per statement cycle. A qualifying Direct Deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account to another, or deposits made at a branch, ATM, by online transfer, mobile device, debit card/prepaid card number, or mail are not eligible to meet this requirement. OR
  • Maintain a total combined ledger balance‡ of $500 or more in your Truist related accounts. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. ‡Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA) and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance. OR
  • Have a related Truist personal credit card, mortgage, or consumer loan including LightStream®. OR
  • Have a linked Small Business Checking account. Eligible Small Business account types to be linked include: Truist Dynamic Business Checking, Business Interest Checking, Simple Business Checking and Business Value 200. OR
  • Primary client is a student. The waiver expires on the anticipated graduation date provided by the client. OR
  • Primary client is under the age of 25 or age 62 and older. For clients under the age of 25, the waiver expires on the 25th birthday of the  primary account owner.

Disclosure 4 The MMF can be waived for the Truist Marquee Checking account for each statement cycle by:

  • Maintain a total combined ledger balance† of $250,000 or more in your Truist related accounts. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. †Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA), Trust Department Investment Management Accounts, Revocable Trust Accounts and IRAs, and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance. OR 
  • Meet Truist Wealth relationship requirements of $1,000,000 of personal qualified investment assets at Truist or qualifications under Specialty Wealth Medical, Legal, Sports & Entertainment, or International criteria.


Disclosure 5 The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies. 

To INITIALLY QUALIFY for the Balance Buffer, the requirements below must be met: 
Account must be opened for a minimum of 35 calendar days
Account must be funded and have a positive balance
A single direct deposit of at least $100 made within the last 35 calendar days

To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met: 
A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.

For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.

For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Disclosure 6 Credit card and/or line of credit are subject to credit approval. For accounts linked to a line of credit or credit card, funds advanced for Overdraft Protection are subject to fees and finance charges under your line of credit or credit card agreement. Please see your agreement for more information.

Disclosure 7 Truist Home Equity Lines cannot be linked for Overdraft Protection in Texas.

Disclosure 8 Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.

Disclosure 9 Monthly Maintenance Fee (MMF): The waiver for a student requires they are listed as the primary account owner and they provide their anticipated graduation date. The waiver expires on the provided graduation date. On this date, the account is subject to the Monthly Maintenance Fee unless at least one waiver criterion is satisfied.

Disclosure 10 For complete details, refer to the Truist Deals Terms and Conditions. There is no monthly fee and no charge for enrolling in Truist Deals. Truist Personal Credit Cards and Personal and Business Debit Cards are eligible for Truist Deals. The Truist Deals Program is separate and independent from any Truist Consumer Credit Card Rewards Program in which you are enrolled related to your Truist Consumer Credit Card Account(s). Any cash back earned through the Truist Deals Program is not eligible for any deposit bonus or other incentives that may be available when you redeem your Truist Consumer Credit Card Rewards. Deals offered through the Truist Deals Program are available apart from any rewards you may earn through any Truist Consumer Credit Card Rewards Program and will not accrue in your Truist Consumer Credit Card Rewards Program account.

Disclosure 11 Most Truist One checking accounts start in Level 1 upon account opening and can begin increasing levels following the first month. Thereafter, Truist One Checking levels are determined by the balance in your Truist One Portfolio (“Portfolio”). Your Portfolio includes all eligible Truist consumer deposit balances in your checking accounts, savings, Certificates of Deposit, IRAs and/or all investments through Truist Investments Services, Inc. where you are the primary or secondary account owner. For each of your accounts used in the Portfolio, we use the monthly average ledger balance. We then take the sum of all of these accounts to determine the Portfolio balance for the month. Each month, your level is based on the highest Portfolio value of the three previous months.

Leveling up can occur on a monthly basis but leveling down can only occur on a three-month basis.

Accounts that are opened with a company ID code through a company sponsored Financial Wellness program start at Level 2; Clients identified as Truist Teammates, Premier clients, and Wealth clients start at Level Premier. The monthly maintenance fee waiver and any other associated benefits can take up to two (2) business days to take effect. NOTE: Truist Dynamic Business Checking linkage will be checked on the 2nd business day of the month when levels are calculated. If clients have a linked Dynamic Business Checking account, they will be granted Level Premier.

Disclosure 12 For your protection, Zelle® should only be used to send money to friends, family, and other people or businesses you trust. Payments made with Zelle® are like sending cash and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. Both parties must have an eligible U.S. checking or savings account to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. For more information, view the Truist Online and Mobile Banking Service Agreement. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 13 Mobile deposit is only available through the Truist mobile app.  Deposit limits and other restrictions apply. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Disclosure 14 Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

Apple and the Apple logo are trademarks of Apple, Inc. App Store is a service mark of Apple, Inc.

Google Play is a trademark of Google LLC.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Disclosures

Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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