Get extra cash to help cover unexpected expenses or emergencies.

Truist Cash Reserve^{Disclosure 1} is an unsecured, revolving line of credit which provides eligible clients an option that can help reduce the risk of declined transactions, overdraft fees (if applicable) and cover emergencies. If eligible^{Disclosure 6} , you can get cash immediately.

If you're eligible^{Disclosure 6} , when you view your Truist checking account(s) in online or mobile banking, you will see a Cash Reserve option. Select “Manage my account” to begin a one-time enrollment process and request an advance. (If you’re not eligible, you won’t see this option and will need to check back later for eligibility.)

Once you enroll, you may qualify for a line of credit up to $750^{Disclosure 7} . As long as you maintain eligibility and have available credit, you can request an advance from $5 to as much as $750 into your Truist Associated Checking Account, up to your approved Cash Reserve Credit Line Amount.^{Disclosure 3} Funds are placed into your Truist Associated Checking Account immediately. After your first advance is successfully completed, you are enrolled.

Your Truist Cash Reserve account is different from overdraft protection in that money doesn’t automatically move into your checking account. You have to move cash yourself when you want or need it. To do so, simply sign in to online or mobile banking and request the advance for the desired amount into your Truist Associated Checking Account. 

There are no fees such as prepayment or late fees associated with Cash Reserve.

Once enrolled, your Truist Cash Reserve account will remain open until the account is closed or becomes delinquent. If the Cash Reserve account becomes delinquent (not paid as agreed), then a Cool-Off Status will be applied to the account. During Cool-Off Status, no additional advances will be allowed until the past due amount has posted to your Cash Reserve account. If your Cash Reserve payment is not received and your Cash Reserve account becomes past due 45 days or greater, the outstanding Cash Reserve balance will be forced paid from your Truist Associated Checking Account and your Cash Reserve account will be closed. The forced payment of your Cash Reserve account may increase your negative Truist Associated Checking account balance. When a forced payment occurs, your existing Cash Reserve account will be closed, and you will be required to re-qualify to enroll in Cash Reserve. Once you have met all the required qualifications, a new enrollment offer will be displayed in your online or mobile banking account no sooner than 60 days from the forced payment event.

If your Truist Associated Checking Account has been continuously overdrawn for 35 days or greater, the outstanding Cash Reserve balance will be forced paid from your Truist Associated Checking Account and your Cash Reserve account will be closed. The forced payment of your Cash Reserve account may increase your negative Truist Associated Checking Account balance.

If your Cash Reserve account is not utilized, it will automatically be closed after six (6) months of inactivity, and you will need to reenroll for a Cash Reserve account. Upon closure of the Cash Reserve account, the eligibility indicator will reappear the next business day and will remain present in your online or mobile banking account as long as you qualify.