Personal & Commercial Banking, Credit Cards, Loans & Investments

What can we help you with?

Loading

View all products

Enjoy cash rewards

Fill up. Stock up. Charge up. All with cash back.

Turn grocery runs and fuel stops into extra rewards with the Truist Enjoy Cash credit card.


Learn more about Truist Enjoy Cash credit card.

Truist One Checking

Open a Truist One Checking account.

No overdraft-related fees. It's easy and only takes a few minutes.

Open now to get started with a Truist One Checking account.
Learn more about a Truist One Checking account.

Truist One Savings

Make your savings shine.

Choices you make today could change everything. So, commit to yourself and save with Truist One Savings.

Loading

Credit card offers

A great credit card may be waiting for you.

Cash back, travel rewards, or our lowest APR. You could find the credit card that fits just right in minutes.

Fraud and security

Make security a priority.

Get tips on protecting your accounts.

Knowledge + Care

An unstoppable pair

What happens when knowledge meets care?

Zelle

Give and go with Zelle®.

Use Zelle® to send money to the people you celebrate right from your phone.Disclosure 1
 

Learn more

Home equity lending

Turn your home’s equity into opportunity.

Remodel, invest, or take care of big expenses.Disclosure 2, Disclosure 3, Disclosure 4

Crystal clear—created with care.

Meet the Truist app.

Get super-fast access to your accounts and bright insights into your spending with our mobile app.

QR Code to open Apple or Google play app.

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

You want to jump. We say, how high?

Reach big goals with the help of a lot of knowledge and even more care.

Let’s do this and reach our goals.
Component ID : "accordionGridLayout-1946833208"
Model : "disclaimer"
Position : "left"

The Catch: 30 Media Alternative Transcript

Visual description: Truist logo

Visual description: A coach and a student athlete are in a college gym.

Coach: We’re gonna try something new today.

Visual description: The coach drags in a ladder and uses chalk to draw a circle high on the wall. The athlete runs toward the wall, jumps, and can’t quite reach.

Music: higher…

Coach: That was close.

Coach: Now get the top of the circle!

Visual description: The athlete jumps again and still can’t reach. The athlete is tired.

Music: higher…

Coach: I need you to come from here.

Visual description: The coach encourages him, pointing to his own heart and then the athlete’s heart.

Music: higher…

Voice over: When you work with someone who knows a lot and cares even more…

Visual description: The athlete jumps again and almost reaches the circle.

Visual description: The coach caringly puts his hand on the athlete’s shoulder.

Coach: I believe in you. Make it happen.

Visual description: The coach looks the athlete in the eye and nods at him. We can tell the coach isn’t going to give up on him.

Voice over: … you’re unstoppable.

Music: ‘til I reach the highest ground.

Visual description: In slow-motion video, the athlete jumps toward the mark on the wall. We cut to the same athlete jumping in the exact same way, but he’s now a player at a professional baseball game catching a ball right before it goes over the fence, preventing a home run. The crowd goes wild. We zoom in to see the coach in the crowd. He’s emotional and proud of his student, and points at the student, like he did in training. The athlete catches his former coach’s eye and nods at the coach as he jogs back to the infield, acknowledging the coach’s unwavering support.

Visual description: We see a Truist teammate and a professional-looking client sitting across a desk from each other at a Truist branch. The teammate has a document with tables and graphs. The teammate nods at the client in the same way the athlete nodded at his coach.

Teammate: Let’s make it happen.

Visual description: The teammate circles a section of a document in the same way the coach drew a circle on the wall.

Voice over: At Truist, we believe the same is true for banking.

Music: Keep on learning.

Visual description: Truist logo

Onscreen text: Leaders in banking. Unwavering in care.

Onscreen text: Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Leading based on Truist ranking as a top 10 U.S. commercial bank as of 12/31/23.

Money and Mindset

Reach your goals. Feel good doing it.

It’s time to upgrade your money mindset. Learn new skills, change your point of view, and take control of your finances.

View Money and Mindset

Your guide to becoming a super saver

When it comes to saving, it’s OK to put yourself first. Because when you build money habits that align to your unique goals, it makes for a smoother and more rewarding journey.

How an athlete’s mindset can help your financial fitness

Some of the same mental strategies favored by top athletes can be a part of your journey toward greater financial confidence.

Play to win on your finances.
Component ID : "accordionGridLayout-2007570826"
Model : "disclaimer"
Position : "left"

† Terms and Conditions for the 2024 Truist One Checking $400 Online Only Offer: TRUIST400DC24

Offer Information: Open a new Truist One Checking account online from 2/28/24 through 10/30/24, complete the following activities within 90 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion.

  • Receive at least one qualifying Direct Deposit* of $500 or more AND
  • Complete at least 15 qualifying debit card purchases** within 90 days of account opening. All debit purchases must be posted to your account to qualify.

Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code TRUIST400DC24. Please refer to the Account Opening and Enrollment section below for full instructions.

*The definition of a qualifying Direct Deposit is an electronic credit (greater than $0.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

**Qualifying Debit Card purchases include purchase transactions, including PIN Point of Sale (POS), recurring transactions, transactions made via tap or through a digital wallet, and signature-based purchases. These transactions must be posted within 90 days of the new checking account opening. ATM withdrawals at a branch using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.

Offer Eligibility:  Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 2/28/23 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a mailing address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified.  The new checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the checking account is changed to an account type not included in this client offer, (2) the checking account is closed prior to the reward being deposited, or (3) the new checking account has a $0.00 or negative available balance at the time of qualification validation. 

Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right in our sole discretion to prohibit a reward payout to non-eligible individuals for any offers claimed through third-party websites with no affiliation or prior authorization from Truist. All promotional payouts will be processed no later than 6/30/25 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.

Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on "Open an account online." Enter TRUIST400DC24 into the promo code field provided, review the offer Terms and Conditions, and then select "Accept Offer". Accounts opened without the promo code applied will not be eligible to participate in the offer.

Version 6 04252024 TRUIST400DC24

Disclosure 1 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®. For more information, view the Truist Online and Mobile Banking Agreement.

Your mobile carrier’s message and data rates may apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Disclosure 2 Special Advance Rate: The Special Advance Rate is a variable rate made up of a discounted margin plus the variable Prime rate, and is in effect for 9 months after the date of account opening (“the Promotional Period”), and is valid for approved applications received through 07/31/24 and closed by 9/30/2024 for a Truist Home Equity credit line amount of $15,000 up to $1,000,000. Any variable advances taken during the Promotional Period shall accrue interest at the Special Advance Rate up until the expiration of the Promotional Period. The Special Advance Rate ranges from Prime minus 1.01% (currently 7.49% APR) to Prime + 7.50% (currently 16.00% APR. Advances taken subsequent to the expiration of the Promotional Period, as well as any promotional balance remaining upon expiration of the Promotional Period, shall accrue interest at the standard rate(s) and margin(s) as described below and in your Truist Home Equity Line Agreement & Initial Disclosure Statement. Offer not available on Fixed Rate advances. Offer subject to change without notice at any time and subject to credit approval.

Offer is only available for owner-occupied, single-family, primary and secondary residences and condominiums located in the Truist footprint and is not valid on manufactured homes or cooperatives. Credit criteria, exclusions and limitations apply. Property insurance is required, and, if applicable, flood insurance will be required. There is a $50 annual fee in AL, AR, CA,FL, GA, IN, KY, NJ, and OH.

Disclosure 3 Rates will vary with the market based on the Prime Rate + margin. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 8.50% as of 5/9/24. Standard APRs are variable during the 10-year draw period and 20-year repayment period and apply only to the variable rate option; are based on your collateral property location, credit line amount, combined Loan-To-Value (CLTV) ratio and other factors; and can range from Prime +0.00% (currently 8.50% APR) to Prime + 7.50% (currently 16.00% APR). During the 20-year repayment period for this option, the APR will continue to be calculated at a variable rate and your minimum monthly payment will be 1/240th of the total balance at the end of the draw period, plus interest and any applicable fees/charges. The maximum APR is 16% for properties located in NC and 18% for properties located in AR, CA, FL, GA, TN, AL, SC, VA, MD, DC, WV, IN, KY, NJ, OH, PA, or TX.

Rates will vary if the client chooses for the bank to pay their closing costs, which is an option in some states if the requested loan amount is less than or equal to $500,000. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $10,000, and may vary by state. If you pay off your Truist Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs Truist paid on your behalf.

Disclosure 4 Excellent credit is required to qualify for the lowest rates. At least 50% of approved applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/23 – 4/15/24.

Disclosures

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

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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:

  • 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:

Site footer

Footer Navigation

Banking products
About Truist
Resources
Support

© 2024, Truist. All Rights Reserved.