Additional Information Hub

$100

$50 will be charged 3 months after account opening and each year thereafter on the service charge anniversary date.

• Maintaining a minimum daily ledger balance^{Disclosure 3} of $25,000 in your Truist Wealth Checking or your Truist Wealth Money Market account OR
• Maintaining $100,000 or more in the sum of all current balances from Truist related accounts^{Disclosure 4} across personal deposits (excluding Truist HSA), all investments,^{Disclosure 5} Trust,^{Disclosure 6} personal mortgage, consumer loan/lines (excluding LightStream® loans), personal credit card or Truist Ready Now Credit Line accounts.

See the Personal Deposit Accounts Fee Schedule for further details.

Yes. Interest is calculated and compounded daily 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.

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

Tier 1 – $0.01 to $4,999.99

Tier 2 – $5,000 to $24,999.99

Tier 3 – $25,000 to $99,999.99

Tier 4 – $100,000 and greater

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

Account closed in charged-off status, $30.

There is no charge for this item.

Not applicable.

Not applicable.

This is an optional service you can add to your account that allows Truist, at its discretion, to authorize and pay transactions on ATM and everyday debit card purchases when there are insufficient funds in your account.

Opt out: Your account is automatically opted out of Overdraft Coverage at account opening. By opting out of Overdraft Coverage, Truist will automatically decline all future ATM and everyday debit card transactions that would overdraw your account. Since these transactions will be declined when you have insufficient funds, you will not be charged the Overdraft Fee for ATM or one-time debit card transactions.

Opt in: By opting in to Overdraft Coverage, Truist may pay ATM and everyday debit card transactions at the bank’s discretion when your account does not have sufficient funds to cover the transaction.

Your choice to opt in or opt out of Overdraft Coverage does not apply to checks, ACH and recurring debit card transactions. Truist may pay these transactions at our discretion and fees may apply.

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 7}, or line of credit^{Disclosure 7, Disclosure 8} (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 at Truist or non-Truist ATMs including surcharge rebates

No Charge

There is no charge for this item.

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 Return 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.

truist.com/thefacts

truist.com/wealth/solutions/banking/checking-disclosures-and-fees

truist.com/content/dam/truist-bank/us/en/documents/disclosures/banking/bank-services-agreement-privacy-notice.pdf