Personal checking
Truist One Checking
Verified Oct 19, 2026 · checked Oct 21, 2026 · offer expires Feb 2, 2027 · available in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
Bonus
$500- • Receive 2+ direct deposits totaling $2,000 within 120 days — Two qualifying direct deposits totaling $2,000 or more within 120 days of account opening. A qualifying direct deposit is an electronic credit greater than $5.00 deposited into the account via ACH. Zelle, Real Time Payments (RTP), person-to-person payments, pre-authorized transfers made from one account to another, and deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number, or the mail do not qualify.
- • Make 20 debit card purchases within 120 days — Complete at least 20 qualifying debit card purchases posted to the account within 120 days of account opening. ATM withdrawals, Zelle transactions, and bank fees are not qualifying transactions.
Fine print that matters
• No bonus if you closed an account here in the past 12 months.
• Not eligible while you hold an open account of this type.
• $12/mo fee — waivable (Waived with qualifying direct deposits per statement cycle, $500+ total combined ledger balance, a Truist credit card/mortgage/consumer loan, a linked small business checking account, student status, or primary owner under 25 or 62+. No overdraft fees.).
• Plan on holding at least 180 days before closing.