Commercial checking solutions

Your company’s needs are unique. Expand your capabilities with better checking solutions.

Let’s manage your business, government, or nonprofit finances with an account that’s customized for your organization.

Learn more about commercial checking accounts

Commercial checking resources

Maximize your company’s efficiency and earning power.

Improve your company’s cash flow and make the most of every opportunity.

Abundant checking solutions

Whether you’re well established or looking for ways to expand—each account is uniquely designed to serve your company’s best interests. 

Unique features

Choose the checking account that fits your business. Capitalize on options for low fees or interest-earning potential.

Better tools

Enjoy customizable solutions to help your company with everyday banking—and with meeting long-term goals.

Commercial checking accounts

Find the right checking account for your business.

Commercial Suite Checking

Convenient. Secure. Efficient. Streamline cash management and payment processes with an account that extends beyond traditional commercial checking. Get a full range of banking and treasury services at an affordable monthly fee. And, avoid the monthly maintenance fee with a qualifying monthly average ledger balance.

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Account benefits

  • Pick up 1,000 free transactions and up to $50,000 in cash processing per statement cycle.
  • Receive four incoming domestic wires at no charge.
  • Access Digital Treasury Essentials Plan, our premium online banking service.Disclosure 1
  • Get ACH Origination, including Same Day ACH from Digital Treasury.Disclosure 2
  • Get Remote Deposit Capture with no monthly maintenance fee.3
  • Access ACH Positive Pay or Check Payee Positive Pay from Digital Treasury.Disclosure 3
  • Get two additional Analyzed Checking accounts with no monthly account maintenance fee.Disclosure 5
  • Enjoy automatic overdraft protection transfers without a fee.
  • Get next-business-day funding with credit and debit card processing through Merchant Services.Disclosure 5

Best fit if you

  • Are a growing commercial enterprise with moderate-to-high checking and cash management activity

See our Commercial Bank Services Agreement (PDF) for more information.

See our Deposit Fee Schedule (PDF) for more information about your account.

Questions about Commercial Suite Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Analyzed Checking

Optimize your company’s financial performance and reduce—or eliminate—service charges with a competitive earnings credit rate.

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Account benefits

  • Reduce or eliminate service charges through an earnings credit.Disclosure 6
  • Group multiple Analyzed Checking accounts to allow a consolidated analysis of balances and services.
  • Receive a no-fee, monthly analysis statement, including detailed information regarding checking and treasury management services separate from your deposit statement.

Best fit if you

  • Are a business with high checking balances, high transaction volumes, and advanced treasury management needs that wants an earnings credit on balances to reduce or eliminate service charges. 

See our Commercial Bank Services Agreement (PDF) for more information.

See our Deposit Fee Schedule (PDF) for more information about your account.

Questions about Analyzed Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Questions about Analyzed Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Analyzed Interest Checking

Optimize your company’s financial performance and reduce—or eliminate—service charges with a competitive earnings credit rate. Plus, earn interest on your excess balances.

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Account benefits

  • Earn interest on excess balances above those needed to offset service charges.
  • Reduce or eliminate service charges through an earnings credit.Disclosure 6
  • Group multiple Analyzed Interest Checking accounts to allow a consolidated analysis of balances and services to reduce or eliminate certain service costs.
  • Receive a no-fee, monthly analysis statement, including detailed information regarding checking and treasury management services, separate from your deposit statement.

Best fit if you

  • Are a business with high checking balances, high transaction volumes, and advanced treasury management needs that wants an earning credit on balances to reduce or eliminate service charges—and to earn interest on excess balances.

See our Commercial Bank Services Agreement (PDF) for more information.

See our Deposit Fee Schedule (PDF) for more information about your account.

Questions about Analyzed Interest Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Commercial Interest Checking

The convenience of a traditional checking account. Combined with more interest earning potential.

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Account benefits

  • Get competitive interest rates, compounded daily.
  • Receive a no-fee, monthly analysis statement, including detailed information regarding checking and treasury management services, separate from your deposit statement.

Best fit if you

  • Are a medium to large business or non-profit that needs easy access to funds and the ability to maximize your interest income.

See our Commercial Bank Services Agreement (PDF) for more information.

See our Deposit Fee Schedule (PDF) for more information about your account.

Questions about Commercial Interest Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Commercial Suite Checking

Commercial Suite Checking

Convenient. Secure. Efficient. Streamline cash management and payment processes with an account that extends beyond traditional commercial checking. Get a full range of banking and treasury services at an affordable monthly fee. And, avoid the monthly maintenance fee with a qualifying monthly average ledger balance.

Component ID : "accordionGridLayout-651978113"
Model : "stack"
Position : "left"

Account benefits

  • Pick up 1,000 free transactions and up to $50,000 in cash processing per statement cycle.
  • Receive four incoming domestic wires at no charge.
  • Access Digital Treasury Essentials Plan, our premium online banking service.Disclosure 1
  • Get ACH Origination, including Same Day ACH from Digital Treasury.Disclosure 2
  • Get Remote Deposit Capture with no monthly maintenance fee.3
  • Access ACH Positive Pay or Check Payee Positive Pay from Digital Treasury.Disclosure 3
  • Get two additional Analyzed Checking accounts with no monthly account maintenance fee.Disclosure 5
  • Enjoy automatic overdraft protection transfers without a fee.
  • Get next-business-day funding with credit and debit card processing through Merchant Services.Disclosure 5

Best fit if you

  • Are a growing commercial enterprise with moderate-to-high checking and cash management activity

See our Commercial Bank Services Agreement (PDF) for more information.

See our Deposit Fee Schedule (PDF) for more information about your account.

Questions about Commercial Suite Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Analyzed Checking

Analyzed Checking

Optimize your company’s financial performance and reduce—or eliminate—service charges with a competitive earnings credit rate.

Component ID : "accordionGridLayout-938483195"
Model : "stack"
Position : "left"

Account benefits

  • Reduce or eliminate service charges through an earnings credit.Disclosure 6
  • Group multiple Analyzed Checking accounts to allow a consolidated analysis of balances and services.
  • Receive a no-fee, monthly analysis statement, including detailed information regarding checking and treasury management services separate from your deposit statement.

Best fit if you

  • Are a business with high checking balances, high transaction volumes, and advanced treasury management needs that wants an earnings credit on balances to reduce or eliminate service charges. 

See our Commercial Bank Services Agreement (PDF) for more information.

See our Deposit Fee Schedule (PDF) for more information about your account.

Questions about Analyzed Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Questions about Analyzed Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Analyzed Interest Checking

Analyzed Interest Checking

Optimize your company’s financial performance and reduce—or eliminate—service charges with a competitive earnings credit rate. Plus, earn interest on your excess balances.

Component ID : "accordionGridLayout-2093699685"
Model : "stack"
Position : "left"

Account benefits

  • Earn interest on excess balances above those needed to offset service charges.
  • Reduce or eliminate service charges through an earnings credit.Disclosure 6
  • Group multiple Analyzed Interest Checking accounts to allow a consolidated analysis of balances and services to reduce or eliminate certain service costs.
  • Receive a no-fee, monthly analysis statement, including detailed information regarding checking and treasury management services, separate from your deposit statement.

Best fit if you

  • Are a business with high checking balances, high transaction volumes, and advanced treasury management needs that wants an earning credit on balances to reduce or eliminate service charges—and to earn interest on excess balances.

See our Commercial Bank Services Agreement (PDF) for more information.

See our Deposit Fee Schedule (PDF) for more information about your account.

Questions about Analyzed Interest Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Commercial Interest Checking

Commercial Interest Checking

The convenience of a traditional checking account. Combined with more interest earning potential.

Component ID : "accordionGridLayout-272097631"
Model : "stack"
Position : "left"

Account benefits

  • Get competitive interest rates, compounded daily.
  • Receive a no-fee, monthly analysis statement, including detailed information regarding checking and treasury management services, separate from your deposit statement.

Best fit if you

  • Are a medium to large business or non-profit that needs easy access to funds and the ability to maximize your interest income.

See our Commercial Bank Services Agreement (PDF) for more information.

See our Deposit Fee Schedule (PDF) for more information about your account.

Questions about Commercial Interest Checking? Contact your relationship manager or call us at 844-4TRUIST (844-487-8478) for more information or to open an account.

Looking for simpler checking account options?

We have other checking solutions for your company.

Learn more about Small Business Checking.

Truist One View

The digital services you rely on—wrapped into one place.

Taking care of your accounts should be simple. Truist One View gives you access to multiple banking applications—without multiple sets of sign in credentials—all from one place.

Learn More about Truist One View.

Business Resource Center

Want some fresh ideas?

Expand your knowledge with resources for a better business strategy. Stay up to date with trending topics, news, and research.

Explore our Business Resource Center

Stay informed and get connected

Looking for fresh thinking and new insights to help uncover opportunities for your business needs?

Connect with a Relationship Manager

Work with a partner who sees your vision and has the resources to help you achieve it. We’re ready to focus on the specific needs of your company—and where you are in your business lifecycle.

Existing Truist clients are encouraged to contact their relationship managers with inquiries related to commercial products and services.

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Disclosure 1 Digital Treasury requires set up through a Truist Treasury Solutions Consultant. Commercial Suite Checking comes with the Digital Treasury Essentials Plan at $20.00 per client ID. Other Digital Treasury Plans are available at a different cost and carry different features. Please consult with a Truist Treasury Solutions Consultant to determine the best option and pricing for your business needs. Service terms apply. 

Disclosure 2 ACH Origination is subject to business type and qualification. Other ACH Origination fees apply. Service terms apply. Digital Treasury service fees apply. Please consult with Truist Treasury Solutions Consultant for the best option and pricing for the business needs. ACH Origination requires set up through Truist Treasury Solutions Consultant. 

Disclosure 3 Other service fees apply. Please consult with Truist Treasury Solutions Consultant for the best option and pricing for the business needs. Requires set up through a Truist Treasury Solutions Consultant. Service terms apply.

Disclosure 4 The benefit is per relationship only (not per account). The benefit does not apply if the Commercial Suite Checking account closes or is changed to a different product type.

Disclosure 5 Only accounts funding to a Truist deposit account will receive next-morning funds availability. Next-morning funds availability for business days only; Friday, Saturday and Sunday batches will be available on Monday mornings. Truist Merchant Services are subject to business type and credit approval. Service terms apply.

Disclosure 6 Earnings Credit Rate (ECR). ECR is a variable rate and may change any time at the Bank’s discretion, and may be a rate of zero. The earnings credit on all applicable accounts is calculated by applying a monthly periodic rate to the monthly average positive available balance in the account each month as follows: monthly average positive available balance x ECR / days in the year x days in the month. Unless otherwise agreed upon, earnings credit is applied to your account on a monthly basis, and unused earnings credit during a month cannot be used in following months. If the earnings credit for a given month is less than the total of service charges, then the applicable fees will be assessed to the account. For purposes of this paragraph, the term “average positive available balance” means the average account balance for the statement cycle less the average amount of each day’s deposit that is in the process of collection.

Disclosures

Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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 McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). 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 (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV 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. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance 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.

  • Limited English Proficiency Support
  • New York City residents

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

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