Disclosure Information

$50

$12

The MMF can be waived for the Truist One Money Market Account for each statement cycle by maintaining a minimum daily ledger balance^{Disclosure 1} of $15,000 or more.

See the Personal Deposit Accounts Fee Schedule for further details.

$15 is assessed, regardless of balance, for each withdrawal over six with a maximum of six Withdrawal Limit Fees per statement cycle.

The Withdrawal Limit Fee of $5 will be assessed per withdrawal over six (6) with a maximum of six (6) Withdrawal Limit Fees per statement cycle. The Withdrawal Limit Fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or money market account including those made at a branch, ATM, by mail, or through any electronic means. Transactions initiated by the bank or for legal reason are not counted towards the six (6).

Yes. Interest is calculated and compounded daily based on a 365/366 day year on the collected balance and credited to your account monthly. Fees may reduce earnings. Interest rates are variable and can change at any time at the bank's discretion.
All interest rates have a corresponding Annual Percentage Yield (APY).

The interest earned is based on the following ledger balance tiers:

Tier 1 – $0.01 to $999.99

Tier 2 – $1,000 to $9,999.99

Tier 3 – $10,000 to $49,999.99

Tier 4 – $50,000 to $99,999.99

Tier 5 – $100,000 to $249,999.99

Tier 6 – $250,000 and greater

Statements are provided monthly and may be combined with other deposit accounts.

No charge for Paper Statement or Paperless Online Statement^{Disclosure 2}

Truist does not charge Overdraft^{Disclosure 3} related fees on this product.

Accounts closed in a charged-off status, $30.

Overdraft Protection is an optional service that can help clients avoid declined transactions. The client can link a Truist checking or money market account (the “protected” account) to another Truist deposit account, credit card^{Disclosure 4} , or line of credit^{Disclosure 4, Disclosure 5} (the “protector” account) and available funds are automatically transferred from the linked protector account when necessary to cover any shortfalls in the protected account. There is no fee for the Overdraft Protection transfer. The amount transferred is the exact amount of the overdraft.

If the linked protector account is a savings or money market account, transfers will count towards the maximum number of six (6) withdrawals and transfers allowed per monthly statement cycle before a Withdrawal Limit Fee is incurred.

If your account does not have Overdraft Protection or Overdraft Protection is insufficient, transactions that exceed the account balance will typically be declined or returned.

No fee for transactions^{Disclosure 6} at Truist ATMs.

• $3 per transaction^{Disclosure 6} at non-Truist ATMs in the U.S.
• $5 per transaction^{Disclosure 6} at non-Truist ATMs outside the U.S.
• 3% International Point of Sale & ATM assessment fee per transaction^{Disclosure 6}
• Non-Truist ATMs may charge additional fees
• Replacement card rush fee: $30 charge

$35 each.

No charge.

Standard availability is generally available the next business day after the deposit is received

- Transactions are processed each business day (Monday through Friday except federal holidays) during nightly processing and are posted to your account
- Check deposits will be posted to your account and available for use after nightly processing unless a hold is placed

See the Funds Availability Policy in the Bank Services Agreement and the Personal Deposit Accounts Fee Schedule for further details. Truist.com/BSA and Truist.com/personaldepositsfeeschedule

Immediate availability, if offered, will be presented per deposited item

- Transactions are processed each banking day (Monday through Friday except federal holidays) during nightly processing. If accepted, your available balance will be increased by the amount of the deposited item, minus the applicable fee, at the time the deposit is made. Currently available for Mobile Check Deposits only
- The fee for immediate availability is 2% of each check amount equal to or over $100. For each check under $100, a $1 fee will apply. The fee amount is disclosed prior to acceptance. A single check deposit that is less than $5 is not eligible for immediate availability

See the Funds Availability Policy in the Bank Services Agreement and the Personal Deposit Accounts Fee Schedule for further details. Truist.com/BSA and Truist.com/personaldepositsfeeschedule

Truist will post items to your account based on your available balance. The available balance can be impacted by pending transactions. Examples of common pending transactions can be found in the Bank Services Agreement.

Once the available balance is determined, prior-day credits and debits will post before current-day credits and debits. Once prior-day credits and debits are determined, if any, transactions will post in order according to the groupings below:

Deposits and credits – All deposits and credits will be posted to the account first. This includes cash and check deposits and incoming transfers (i.e., direct deposits and wires) received before the cutoff time at the location the deposit or transfer was made.

Bank-initiated transactions – These transactions include corrections and Returned Deposited Item/Cashed Item.

Client-initiated withdrawals and debits – Withdrawals/payments that have been previously authorized and cannot be returned unpaid. This category includes debit card purchases, ATM withdrawals, account transfers and teller-cashed checks. If more than one of these transactions is received for payment from your account, the items are generally sorted and paid based on the date and time of the transaction. For a debit card transaction, if a merchant does not seek authorization from the bank at the time of the transaction, the date the transaction is received for payment from your account will be used.

Client-initiated withdrawals and debits such as ACH (automated payments) – Transactions such as bills that are paid by authorizing a third party to withdraw funds directly from your account. If there is more than one of these types of transactions, they will be sorted by the date and time that they are received. Multiple transactions that have the same time will be sorted and paid from lowest to highest serial number.

Client-initiated checks – Checks will be posted and sorted in sequential order.

Bank fees – Fees, such as the Monthly Maintenance Fee, will post to your account last. Please note that some fees will be posted to your account at the time they are incurred and others, like maintenance fees, will post last.

Disclosures, including:

• Personal Deposit Accounts Fee Schedule (PDF)
• Bank Services Agreement (PDF)
• Privacy Policy