Truist Bank’s core personal checking accounts do not charge overdraft fees. Truist One Checking is $12/month (waived with $500+ direct deposits, a $500+ balance, a linked Truist credit product, or an age/student waiver), and — per Truist’s official fee schedule effective September 28, 2026 — it is explicitly exempt from the standard $36 overdraft fee, using a $100 “Balance Buffer” instead. This is a significant differentiator from Chase, Wells Fargo, and U.S. Bank, whose standard checking accounts all charge per-item overdraft fees.
See the full Truist banking guide for ATM limits, routing numbers, and account overview.
Truist Fees at a Glance
| Fee Type | Amount | How to Avoid |
|---|---|---|
| Truist One Checking monthly fee | $12/month | $500 direct deposit, $500 balance, linked credit product, or age/student waiver |
| Overdraft fee | Not charged on Truist One Checking, Confidence Account, or Marquee Checking | N/A — a $100 Balance Buffer applies to One Checking instead |
| Non-Truist ATM Fee | $3.00/transaction ($2.50 on the Confidence Account); the $3.00 rises to $3.50 on Nov 9, 2026 | Use Truist ATMs, or Marquee Checking (fee waived) |
| Wire Transfer (Domestic, online) | $20.00 outgoing (online wires are for Premier and Wealth clients) | Use Zelle (free); external transfers to other banks are $3 |
| Wire Transfer (Domestic, branch-assisted) | $30.00 outgoing | Free for Marquee Checking and Wealth Money Market |
| Wire Transfer (incoming, domestic) | $15.00 (One Checking gets 1 free/month) | — |
| Stop Payment | $35/request | Free for Marquee Checking and One Checking Levels 3/4/Premier |
Truist Monthly Maintenance Fees
Truist Checking Account Fees
| Account | Min. Opening Deposit | Monthly Fee | How to Waive |
|---|---|---|---|
| Truist One Checking | $50 | $12 | $500+ direct deposits/cycle, OR $500+ combined balance across Truist accounts, OR a related Truist credit card/mortgage/consumer loan, OR a linked Small Business Checking account, OR primary client is a student, OR primary client is under 25 or 62+ |
| Truist Confidence Account | $25 | $5 | $500+ total deposits/cycle, OR 10+ qualifying transactions/cycle, OR primary client is a student, OR primary client is under 25 or 62+ |
| Truist Marquee Checking | $100 | $35 | Waived automatically for the first 3 statement cycles; after that, a $250,000+ combined balance OR meeting Truist Wealth Relationship Requirements |
Truist One Checking is the flagship personal account, structured as a multi-level relationship account (Level 1 through Premier, based on combined balances). It is not interest-bearing.
Truist Confidence Account is Truist’s lower-cost, second-chance-friendly checking product. It is not interest-bearing and does not include check-writing capability.
Truist Marquee Checking is Truist’s premium interest-bearing account, aimed at higher-balance and Wealth Relationship clients. It waives non-Truist ATM fees (domestic and international), the 3% international transaction fee, and most wire fees.
Truist Savings Account Fees
| Account | Min. Opening Deposit | Monthly Fee | How to Waive |
|---|---|---|---|
| Truist One Savings | $50 | $5 | $300+ minimum daily balance, OR a recurring $25+ internal transfer per cycle, OR owner under 18, OR related to a Truist checking product other than the Confidence Account |
| Truist Confidence Savings | $25 | $0 | No monthly fee |
Worked Example: What Truist Fees Cost Per Year
A customer who keeps about $300 in checking and receives a $400 paycheck by direct deposit each month falls short of both the $500 direct-deposit and $500 balance waiver levels, so pays $12/month = $144/year in Truist One Checking maintenance fees, with no overdraft-fee exposure since the account doesn’t charge one.
The fix: route $500 or more of pay to the account by direct deposit each statement cycle, or hold $500 or more across Truist accounts on the business day before the cycle ends. Either waives the $12 fee entirely.
Truist Overdraft Policy
Per Truist’s official fee schedule (effective September 28, 2026), the standard $36 Overdraft Fee (max 3 per day, $108 maximum, waived on transactions under $5) explicitly does not apply to Truist One Checking, Truist One Savings, Truist One Money Market, Truist Confidence Account, Truist Confidence Savings, Secured Credit Card Savings, Truist Marquee Checking, or Truist Wealth Money Market accounts. The Truist Asset Management Account is not on that list, and Truist waives one overdraft fee per month on it.
Truist One Checking’s overdraft mechanism — the Balance Buffer:
- Lets a qualifying account go up to $100 negative with no fee
- Eligibility: account open 35+ calendar days, funded with a positive balance, and at least one direct deposit of $100+ within the last 35 calendar days
- Transactions that would take the balance more negative than the $100 buffer are typically declined or returned — not charged a fee
- If you also have Overdraft Protection linked (e.g., a linked savings account), Truist uses the Balance Buffer first
Truist Confidence Account and Truist Marquee Checking similarly do not charge overdraft fees. On the Confidence Account, transactions that exceed the balance will typically be declined or returned unless a linked Confidence Savings account covers them.
Truist charges no fee for an Overdraft Protection transfer (the fee schedule lists “No Overdraft Protection Transfer fee”), though transfers from a linked savings or money market account count toward the six-withdrawal monthly limit.
Truist ATM Fees
| ATM Fee | Amount |
|---|---|
| Truist ATM (withdrawal, balance inquiry, transfer) | $0 |
| Non-Truist domestic ATM fee | $3.00/transaction ($2.50 on the Confidence Account); the $3.00 rises to $3.50 effective November 9, 2026 |
| Non-Truist international ATM fee | $5.00/transaction |
| International POS/ATM/cash advance fee | 3% |
| Truist Marquee Checking — non-Truist domestic/international ATM fee | $0 (waived) |
| Truist Marquee Checking — international transaction fee | $0 (waived) |
Daily withdrawal limits also vary: $500/day for Truist One Checking Levels 1–2 and most other accounts, $2,500/day for Levels 3–4 and Premier, and $5,000/day for Marquee Checking. For more, see the Truist ATM limit guide.
Truist Wire Transfer Fees
| Wire Type | Fee |
|---|---|
| Incoming domestic wire | $15.00 (Truist One Checking gets one fee-free incoming wire or funds transfer per calendar month, shared across domestic, international and funds-transfer types; free for Marquee Checking, Wealth Money Market and Asset Management) |
| Incoming international wire | $20.00 (Truist One Checking gets one fee-free incoming wire or funds transfer per calendar month, shared across domestic, international and funds-transfer types; free for Marquee Checking, Wealth Money Market and Asset Management) |
| Incoming funds transfer | $5.00 |
| Outgoing domestic wire — online | $20.00 (online wires are offered to Truist Wealth and Truist Premier relationships; free for Marquee Checking and Wealth Money Market) |
| Outgoing domestic wire — branch/teammate-assisted | $30.00 (free for Marquee Checking and Wealth Money Market) |
| Outgoing international wire — branch/teammate-assisted | $65.00 (free for Marquee Checking and Wealth Money Market) |
| Outgoing book transfer — online | $12.00 (online service for Truist Wealth and Truist Premier relationships; free for Marquee Checking and Wealth Money Market) |
| Outgoing book transfer — branch/teammate-assisted | $5.00 |
Outgoing domestic wires are $20 online (Truist Wealth and Truist Premier relationships only) or $30 teammate-assisted. The $35 figure is the separate stop payment fee.
Free Alternatives to Wire Transfers
| Method | Cost | Speed |
|---|---|---|
| Zelle | Free | Usually minutes if the recipient is already enrolled |
| External ACH transfer (standard) | $3.00/transfer | Credited on the third business day |
| External ACH transfer (next day) | $6.00/transfer | Next business day |
Other Truist Fees
Account Service Fees
| Service | Fee |
|---|---|
| Stop payment | $35.00 (free for Marquee Checking and One Checking Levels 3, 4, and Premier) |
| Official check (cashier’s check) | $10.00 (free for Marquee Checking, Truist Asset Management, and One Checking accounts) |
| Money order | $5.00 |
| Returned deposited/cashed item fee | No charge |
| Charged-off account fee | $30.00 (does not apply to Confidence Account or Confidence Savings) |
| Account research/verification | $30.00 standard processing |
| Legal process (levy/garnishment) | $125.00 per notice |
Debit Card Fees
| Service | Fee |
|---|---|
| Replacement card (standard) | Free |
| Replacement card (rush) | $30.00 (free for Truist Wealth Relationships; $15 for Confidence Account/Confidence Savings) |
| International POS/ATM/cash advance fee | 3% (waived for Marquee Checking) |
Truist Fees vs. Competitors
| Fee Type | Truist | Chase | BofA | Capital One | Ally |
|---|---|---|---|---|---|
| Monthly fee (standard checking) | $12 | $15 (Sept 2026) | $12 | $0 | $0 |
| Overdraft fee | $0 (core accounts exempt) | $34 | $10 | $0 | $0 |
| Out-of-network ATM | $3.00 (rising to $3.50 on Nov. 9, 2026) | $3.00 | $2.50 | $0 from Capital One | $0 (up to $10 per statement cycle of ATM-owner fees reimbursed) |
| Wire (domestic out) | $30 teammate-assisted ($20 online, Wealth and Premier only) | $25 online ($35 banker-assisted) | $30 | $30 | $20 |
Truist’s lack of an overdraft fee on its core checking accounts stands out next to Chase ($34 per item) and Wells Fargo ($35 per item), while Bank of America charges $10.
Is Truist Worth It?
Truist makes sense if you:
- Live in one of the states Truist serves (17 states plus D.C.)
- Have existing BB&T or SunTrust relationships you’re continuing
- Can meet the $500 direct deposit or balance waiver threshold
- Want to avoid overdraft fees without opening a specialty no-overdraft account elsewhere
- Already have a Truist mortgage, auto loan, or credit card
Consider alternatives if you:
- Want no monthly fees without conditions — Capital One 360 or Ally Checking
- Travel frequently outside the Southeast — limited ATM fee reimbursement outside Marquee Checking
- Want a higher savings rate — compare Truist’s savings APY with online banks, which often pay more
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