Get started with a new account.

Opening and using your new account is easier than you think.

How to open a new checking or savings account

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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.

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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. 

Activate your card online

Deposit availability

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.

Exceptions to overdraft fees
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 dayDisclosure 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 placedDisclosure 2) Next day after it has been processed (unless a hold is placedDisclosure 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 placedDisclosure 2) Next day after it has been processed (unless a hold is placedDisclosure 2)
Check deposit at the ATM 9 pm ET (M – F) Same banking day (unless a hold is placedDisclosure 2) Next day after it has been processed (unless a hold is placedDisclosure 2)
Mobile check deposit (Standard availability) 9 pm ET (M – F) Same banking day (unless a hold is placedDisclosure 2) Next day after it has been processed (unless a hold is placedDisclosure 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

Transaction posting order

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:

  1. (+) Deposits and Credits will post to your account first. This includes cash and check deposits, and incoming transfers received before the cut-off time at the location the deposit or transfer was made.
  2. (-) Bank-initiated transactions, like corrections and deposited item returned checks.
  3. (-) Client-initiated withdrawals and debits like debit card purchases, ATM withdrawals, account transfers, and teller-cashed checks. If we get more than one of these transactions for payment from your account, we’ll generally sort and pay them based on the date and time you made the transactions.
  4. (-) Client-initiated withdrawals and debits like automated payments for bills. If there’s more than one of these types of transactions, they’ll be sorted by the date and time that they’re received. Multiple transactions that have the same time will be sorted and paid from lowest to highest serial number.
  5. (-) Client-initiated checks will be posted and sorted in sequential order.
  6. (-) Some bank fees—like monthly maintenance fees—will post to your account last. Others will post to your account at the time they’re incurred.
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  • Nightly processing occurs on regular banking days—that excludes Saturdays, Sundays, and holidays.
  • Cash and wire transfer deposits are processed throughout the day and are available for withdrawal the same day.
  • Funds from pending check deposits made after the cut-off won’t be included in your available balance to cover items that night. They’ll be processed in the next banking day's nightly processing.
  • Checks deposited with standard availability will be posted to your account and available for use after the nightly processing (unless a hold is placed). If there’s a hold on your deposit, those funds aren’t available to cover items during posting, or for withdrawals and purchases, until the hold expires.
  • 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.
  • Overdraft and returned item fees are added after each item is presented against an insufficient available balance during nightly processing. Non-Truist ATM fees are applied after each ATM transaction. Other applicable fees may post at the end of processing.
  • Fees may be assessed on checks, recurring debit card transactions, ACH, and other items if they’re paid by the bank (overdraft fee) or returned (returned item fee). Also, if you accepted overdraft coverage, ATM and one-time debit card transactions may be assessed an overdraft fee. Some fees are assessed at the time the transaction is performed, while others are assessed at the end of the banking day.
  • Even more information can be found in our Bank Services Agreement under Withdrawals and Debits.

The more you know—the less you pay.

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

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

Overdraft fee

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).

Overdraft fee exceptions

Everyone makes mistakes—we get that. So, there are a few exceptions to overdraft fees, such as:

  • You have a Truist One Checking or Truist Confidence Account
  • When you catch the overdraft before the daily deposit cut-off time and deposit or transfer enough to cover the overdraft
  • If the transaction that caused the overdraft is a one-time debit card transaction or an ATM transaction and you declined Overdraft Coverage at the time the transaction was authorized
  • Truist will waive Overdraft Fees on transactions that are less than $5. Here are some examples of how that works:

 

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

Tips and tools for avoiding fees

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.

Other fees

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.

Paper statement fee

Help the environment and save up to $3 a month? Sign us up! Use this step-by-step guide to enroll in paperless statements.

ATM fees

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.

Stop payment fee

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.