Open Truist One Money Market Account

Truist One Money Market AccountDisclosure 1

Open a new Truist One Money Market Account and earn 4.00% annual percentage yield (APY).Disclosure 2 Offer available to new Truist One Money Market Account clients only.Disclosure 2, Disclosure 3

Open now

Perk up your savings with access and extras.

Ready access to your money

Spend straight from your account with available debit card and checks. Get six no-fee withdrawals each statement cycle.Disclosure 5

Optional overdraft protection

You can set up the Truist One Money Market Account as automatic backup in case you accidentally overdraft an existing Truist checking account.Disclosure 5 Excludes Truist Confidence.

Balance builds toward Truist One Checking perks

As our relationship grows, so do your perks. Money in your Truist One Money Market Account can help unlock extra perks in Truist One Checking.Disclosure 6

See our account rates, fees & disclosures

Ready to open your Truist One Money Market Account?

Step one

Tell us about yourself.

We’ll need some personal information to get your account started.

Make your first deposit.

Truist One Money Market Account has a $50 minimum opening deposit.

Get started here.

Savings calculator

This overview is not intended to be all-inclusive but is for illustrative purposes only. Individual results will vary based on client usage. For additional information, please refer to the Personal Deposit Accounts Fee Schedule.

This calculator is made available by one or more third party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Try the Truist mobile app.Disclosure 5

It’s where security meets convenience.

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Download the Truist mobile app.

Scan this code with your phone’s camera to download.

Check out Truist One Checking.Disclosure 4

  • No overdraft fees 
  • Practical perks
  • Automatic upgrades

Never wonder if you’re getting the most from your checking account.

Learn more about Truist One Checking.

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Disclosure 1 Refer to the Account Overview Guide, Bank Service Agreement and the Personal Deposit Accounts Fee Schedule for detailed information regarding each feature, benefit and/or fees listed for the Truist One Money Market Account.

Disclosure 2 Truist One Money Market Account interest tier earned is based on the following ledger balance tiers: Tier 1 – $999.99 or less; 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 or more. For accounts eligible for this promotion, the variable interest rate is 3.92% and the variable Annual Percentage Yield (APY) is 4.00% for Tiers 1–6. The standard interest rate and APY are both 0.01% for Tiers 1–6. At the Bank’s discretion, the variable interest rate and APY may change to our standard interest rate and APY at any time. The interest rates and APYs are accurate as of 09/19/2024 and are subject to change without notice at any time, including after the account is opened. Maintenance and service fees apply. Money market accounts closed before the end of the interest-payment period forfeit all interest earned that period. To avoid this loss of interest, you must keep a balance in the account until interest is paid. Fees may reduce earnings.

Disclosure 3 To qualify for this offer, clients must open a new Truist One Money Market Account (MMA). Clients with an existing Truist money market or who closed an MMA within 30 days of the new MMA account opening are not eligible.

Disclosure 4 Waive the $12 monthly maintenance fee by maintaining a minimum daily ledger balance of $15,000 or more. Daily ledger is the actual balance in your account on a specific day, and does not reflect any holds or pending transaction.

Disclosure 5 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).

Disclosure 6 Refer to the Account Overview Guide and the Personal Deposit Accounts Fee Schedule for detailed information regarding each feature, benefit, and/or fees listed for Truist One Checking.

Disclosure 7 Fees may apply to transfers to other U.S. financial institutions. Setup is also required and verification may take 1 – 3 business days. View the Truist Personal Deposit Accounts Fee Schedule for more information. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Disclosure 8 For your protection, Zelle® should only be used to send money to friends, family, other people or businesses you trust. Neither Truist nor Zelle® offers a protection program for payments that you authorize in Zelle®. Enrollment with Zelle® through Truist Online or Mobile banking is required. U.S. checking or savings account required to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. To send and receive money with a small business, both parties must be enrolled in Zelle® directly through their financial institution's online or mobile banking experience. For more information, view the Truist Online and Mobile Banking Services Agreement. Your mobile carrier’s message and data rates may apply.

Disclosure 9 Mobile deposit is only available through the Truist mobile app.  Deposit limits and other restrictions apply. Your mobile carrier's message and data rates may apply.

Disclosures

Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

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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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