Whether you’re a first-timer or just need a refresher, we’ve got the banking details you’re looking for.
Opening and using your new account is easier than you think.
Do you need a debit card and checks? A safe place to save money you’ve earned? Or both? Check out our checking and savings account options to find the best one for you.
You can open your new account any way you want. (Note that Truist CDs can only be opened at a branch.)
We’re with you—wherever you are. Learn how to register, get our mobile app, deposit checks, set customized alerts, and so much more. Learn more.
A debit card gives you the freedom to make digital purchases and in-person payments using the cash in your checking account—but you'll need to activate it first.
Not sure how to get started? You’ve come to the right place. Learn how to:
Component ID : "accordionGridLayout-931516105"You have a bank account. Nice. Here’s how to put money into it.
Transfer money between your accounts to access cash instantly.
Review your transfer details. If they’re incorrect, select Edit to make corrections. If they’re correct, select Send transfer.
Review your transfer details. If they’re incorrect, select Edit to make corrections. If they’re correct, select Send transfer.
Send and receive digital payments to people and businesses with Zelle ® . Use this step-by-step guide to learn how.
Set up direct depositWhat makes pay day even better? Waking up to cash already in your account (thank you, direct deposit).
To get started, ask your employer how to enroll. You’ll need to give them this form, your routing and account numbers for the checking account where you want your paycheck deposited. You can find this information on one of your own checks, or in digital banking.
We can make your bills disappear—from your to-do list.
Start mobile bankingYou don’t need a branch—or even a computer—to do your banking. Learn more about banking on the go, or download Truist Mobile now to get started.
Truist makes it easy to order checks. Before you get started, you’ll need to have your routing number and your account number handy.
As a reminder, the Truist Confidence Account doesn’t offer personal checks.
Personal check orders
For first-time check orders:
For check reorders:
Business check orders
For first-time check orders and check reorders:
When you’re on a deadline, it helps to know ours. Here’s when you can count on us to have your deposits ready to use in your account.
| Type of deposit | Cut-off time for deposit to post that day | When it's available to cover transactions presented during nightly processing | When it's available for withdrawal and debit card purchases |
|---|---|---|---|
| Cash deposit with a teller | Varies (check with your local branch) | Same banking day Disclosure 1 (based on cut-off time) | Immediately |
| Cash deposit at the ATM | 9 pm ET (M – F) | Same banking day (based on cut-off time) | Immediately |
| Cash deposit through the night depository | 7 am ET (M –F) | Same banking day (based on cut-off time) | Available once processed by the branch teller |
| Check deposit through the night depository | Varies (check with your local branch) | Same banking day (unless a hold is placed Disclosure 2 ) | Next day after it has been processed (unless a hold is placed Disclosure 2 ) |
| Direct Deposit | Post throughout the day | Same banking day | Immediately |
| Check deposit with a teller | Varies (check with your local branch) | Same banking day (unless a hold is placed Disclosure 2 ) | Next day after it has been processed (unless a hold is placed Disclosure 2 ) |
| Check deposit at the ATM | 9 pm ET (M – F) | Same banking day (unless a hold is placed Disclosure 2 ) | Next day after it has been processed (unless a hold is placed Disclosure 2 ) |
| Mobile check deposit (Standard availability) | 9 pm ET (M – F) | Same banking day (unless a hold is placed Disclosure 2 ) | Next day after it has been processed (unless a hold is placed Disclosure 2 ) |
| Mobile check deposit (Immediate availability, if offered and accepted) Fees may apply | 9 pm ET (M – F) | Same banking day until 11:59 pm ET | Immediately |
With so many ways to use your checking account—like checks, debit card purchases, ACH transactions—it can be a little tricky to keep track of your transactions. Some show up almost right away, like debit card purchases. Others, like personal checks, get processed overnight. Here’s what to expect for the typical posting order:
Fees happen. But they don’t always have to. Like with the Truist One Checking or Truist Confidence Account—where there’s no overdraft or overdraft related fees.
Overdraft fees happen when you spend more than you have in your checking account—but you won’t get any with a Truist One Checking or Truist Confidence Account
A $36 fee that’s charged when a transaction amount is more than your available balance and is paid with negative funds. If the original transaction amount is less than $5, we will not charge an overdraft fee.
Truist pays overdrafts at its discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned.
Unless you have overdraft protection, overdraft fees can be issued up to three times per day until you make a deposit to cover all outstanding transactions.
Overdraft fees may be assessed on checks, recurring debit card transactions, and ACH items. Also, if you have accepted overdraft coverage, ATM and one-time debit card transactions may generate overdraft fees. To review the Truist Overdraft Decision Notice, please refer to the last page of the Personal Deposit Accounts Fee Schedule (PDF).
Everyone makes mistakes—we get that. So, there are a few exceptions to overdraft fees, such as:
| Transactions | Transaction amount | Available balance | Overdraft fee |
|---|---|---|---|
| Available balance | — | $2.00 | — |
| Coffee purchase, debit card | $3.00 | -$1.00 | No |
| Lunch purchase, debit card | $4.00 | -$5.00 | No |
| Check 102 | $87.00 | -$92.00 | Yes |
| Check 104 | $4.00 | -$96.00 | No |
You don’t want to pay fees. We get that. Here are a few tools to help you keep an eye on your balance and quickly fix any accidental overdrafts.
The best way to avoid account fees—like monthly maintenance fees—is to start with the right checking account or savings account for you. If you’ve done that, there are still a few others fees you should know about.
There is no charge for paper statements or paperless online statements. Use this step-by-step guide to enroll in paperless statements.
You can use more than 3k Truist ATMs for free. And some checking accounts will waive fees a few times a month if you use a non-Truist ATM.
If you need to stop a transaction before it's complete, like a check you've written, a pending ACH transaction, or even a Zelle ® transfer, a $35 fee will be issued.
Component ID : "accordionGridLayout-464338858"Disclosure 1 “Banking Day” means any business day on which the Bank is open to the public for carrying on substantially all of its banking functions at a majority of its branches located within that state. If we receive an item on a weekend or holiday, the item is deemed to have been received on our next business day. Our business days and hours are posted at our branches and ATM hours are displayed on the ATM deposit screen and are subject to change from time to time at our discretion. Inclement weather, natural disasters, computer, or electronic failures may also affect the banking day and business hours.
Disclosure 2 Generally, checks deposited with standard availability and received by the 9:00 PM ET cut-off time on banking days will be available the next day. In some circumstances, Truist does place holds on deposits which delays when those funds will be available. Checks deposited with immediate availability will be 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 check, minus the applicable fee, at the time the deposit is made. Currently available for Mobile Check Deposits only. We encourage you to monitor your account and available balance through Online Banking and Mobile Banking.
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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Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers.
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.
Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation 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. Deposit products are offered by Truist Bank.
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:
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.
