Looking for student checking? Here's one simple choice.

No, but the $12 monthly maintenance fee is waived for students under the age of 25.

The monthly maintenance fee waiver applies automatically at account opening and expires on the 25th birthdate of the student or their stated graduation date, whichever comes later. For the waiver to apply, you must be listed as the primary owner on the checking account.

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. And some ATM and personal check fees are waived too.

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

The Monthly Maintenance Fee (MMF) can be waived for the Truist One Checking account for each statement cycle by any one of the following:

• Maintenance fees are waived for primary account owners age 62 and older.
• Making $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 via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
• Maintaining a total combined ledger balance of $500 or more in any Truist related accounts (excluding Truist HSA) across personal deposits and all investments as reflected on the business day before your statement cycle end date. A Ledger Balance is actual balance in your account on a specific day and does not reflect any holds or pending transactions. Your Total Combined Balance is the sum of all balances within the Truist personal deposit accounts (checking, savings, money market or CDs), IRAs or brokerage accounts introduced through Truist Investment Services, Inc. Related Accounts automatically includes all applicable accounts associated with primary and secondary account holders.
• Having a personal Truist credit card, mortgage or consumer loan, including LightStream®.
• Having a linked Small Business Checking Student Checking. Eligible Small Business account types include: Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and Business Value 200.
• Maintenance fees waived for students under the age of 25. Waiver for a student under the age of 25 requires that they are listed as the primary owner. The waiver is applied automatically at account opening and expires on the 25th birthdate of the student or their stated graduation date, whichever comes later. On this date, the account is subject to all applicable fees, including the Monthly Maintenance Fee unless at least one waiver criterion is satisfied.

Yes! 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 $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100. All eligibility requirements below must be met to initially qualify for the $100 Negative Balance Buffer:

• 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 per month must be made for 2 consecutive months

To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:

• A recurring direct deposit of at least $100 per month

For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative 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.

Yes, with proper documentation. Note that international students studying abroad in the U.S. must open new accounts in branch only.