Looking for student checking?

The $12 monthly maintenance fee is waived for students.^{Disclosure 1}

For the waiver to apply, the student must be listed as the primary owner on the checking account and they’ll need to provide their anticipated graduation date.

Also, Truist One Checking doesn’t charge overdraft fees or overdraft-related fees. This means no fees for things like returned items, negative account balances, or overdraft protection transfers.

Other fees may apply. Please refer to the Account Overview Guide and the Personal Deposit Accounts Fee Schedule for further details.

Nothing changes with your checking account when you graduate. You’ll continue to have several ways to waive the monthly maintenance fee. If you’re under 25,^{Disclosure 10} you’ll still qualify for the monthly maintenance fee waiver. If you do not meet one of the remaining waiver qualifications you will be charged the monthly maintenance fee.

Truist Bank is an FDIC member. This means your money is FDIC insured up to the amount allowable by law.

No. There’s no fee to cash or deposit a check issued to you.

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 with 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.

Yes. You can transfer money to and from your Truist One Checking account with online or mobile banking. And we’re always happy to help you in a branch.

Plus, you can use Zelle® with friends, family, and businesses that you trust to send and receive money.

Most transfers are free, but external transfers or wires usually do have a fee. However, you can receive one no-fee incoming domestic wire, one no-fee incoming international wire, or one no-fee funds transfer per calendar month. See the Personal Deposits Accounts Fee Schedule for details.

With proper documentation, international students do not need a U.S. Social Security Number to open an account. However, international students studying abroad in the U.S. can only open new accounts at a Truist branch.