Truist · U.S. checking accounts

Truist Confidence Account

Checking with no overdraft fees and a $25 opening deposit. The $5 monthly fee can be waived through deposits, qualifying transactions, student status or age. Outside ATM and foreign use have separate charges.

Pros

No Truist overdraft-related fees.
Deposit, transaction, student and age routes can waive the monthly fee.
No paper or online statement fee.

Cons

$5 monthly unless a waiver condition is met.
$25 minimum opening deposit.
Student waiver requires primary ownership and an anticipated graduation date; it expires on that date.
A 3% international ATM/point-of-sale assessment and separate ATM charges can apply.
From October 2026, eligible accounts are reviewed for possible upgrades after one year; approval is discretionary.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	5 (currency not confirmed)
Minimum opening deposit	25 (currency not confirmed)
SSN requirement	Not confirmed
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: $500+ total deposits per statement cycle; 10+ qualifying transactions; primary-owner student status with graduation date; primary owner under 25 or age 62+.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: Account approval and identity/residency verification apply. Confirm SSN/ITIN route with Truist. Student waiver requires primary ownership and graduation date.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 01 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	0 (currency not confirmed)
Outgoing domestic wire	Not confirmed
Incoming wire	Not confirmed
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed
Allpoint ATM	Not confirmed
Other ATMs	Truist ATMs are free. Non-Truist domestic transactions cost $2.50 ($1 for inquiries); international transactions cost $5 plus the 3% assessment and any ATM-owner fees.
Cash deposit	Not confirmed