Truist · U.S. checking accounts

Truist One Checking

A U.S. checking account with a $50 opening deposit, a $12 monthly maintenance fee and several waiver routes. Truist does not charge overdraft-related fees on this account.

Pros

No overdraft-related fees on Truist One Checking
Several balance, direct deposit, relationship and age/student waiver routes
Earn a $500 bonus as a new Truist checking client when you open a new Truist One Checking account, enroll with a valid promo code, receive at least two qualifying direct deposits totaling $2,000 or more, and complete at least 20 qualifying debit card purchases. Not available to clients who are the primary account holder on an existing Truist personal checking account; reward deposited within 10 business days after qualifying.

Cons

$50 minimum opening deposit.
$12 monthly unless a waiver condition is met.
Standard non-Truist domestic ATM fee rises from $3 to $3.50 on November 9, 2026; level benefits may apply.
Domestic outgoing wires cost $20 online or $30 through other channels; incoming and international fees can apply.
The $100 Balance Buffer has account-tenure, positive-funding and recurring direct-deposit qualification requirements.

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

Costs and key facts

Recurring fee	12 (currency not confirmed)
Minimum opening deposit	50 (currency not confirmed)
SSN requirement	Not confirmed
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: Qualifying waiver routes include $500 or more in qualifying direct deposits per statement cycle, $500 or more in eligible combined ledger balances, certain linked Truist credit or business relationships, eligible student status, age under 25, or age 62 and older. Full account disclosures apply.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: Truist One Checking requires account approval and identity/residency verification. Confirm accepted SSN, ITIN, visa and address documents with Truist for your application route. The student monthly-fee waiver requires primary ownership and an anticipated graduation date; it expires on that 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	20 (currency not confirmed)
Incoming wire	15 (currency not confirmed)
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Outgoing domestic wires cost $20 online or $30 through other channels. Incoming domestic wires cost $15; incoming international wires cost $20. Standard outgoing international wires cost $65. Relationship benefits, exchange rates and other-bank charges may apply.
Allpoint ATM	Not confirmed
Other ATMs	Standard non-Truist domestic ATM transaction fee is $3, increasing to $3.50 on November 9, 2026. International transactions cost $5 plus a 3% assessment and any operator fees; qualifying relationship-level benefits may waive or rebate fees.
Cash deposit	Not confirmed