Truist Minimum Balance 2026 — Checking and Savings Accounts

Truist checking accounts charge monthly fees between $5 and $35 depending on the account type. Truist One Checking, the primary consumer account, can have its $12 fee waived several ways: a $500 combined balance, $500 or more in qualifying direct deposits per statement cycle, an active linked Truist credit product, student status, or an age-based waiver. This is a correction from an earlier version of this page, which incorrectly stated the balance-based waiver was $1,500 — Truist’s official fee schedule (effective September 28, 2026) confirms it is $500.

Truist Account Minimums at a Glance

Verified against Truist’s official Personal Deposit Accounts Fee Schedule, effective September 28, 2026.

How Truist Calculates Your Balance

Truist One Checking’s balance-based waiver uses a Total Combined Ledger Balance — the sum of the actual balances across all your related Truist personal deposit accounts (checking, savings, money market) and investments as reflected on the business day before your statement cycle end date. This is a combined-account measure, not a single-account minimum-daily-balance test.

Truist One Checking

Truist One Checking charges $12 per month. The fee is waived when any one of the following is met during the statement cycle:

• $500 or more in total qualifying direct deposits. This is the easiest waiver for most employed adults. A single payroll deposit of $500 or more satisfies the requirement. Qualifying sources include employer payroll, Social Security, pension, and government benefit payments. Peer-to-peer transfers do not qualify.
• A $500+ combined balance across your Truist-related personal deposit and investment accounts.
• An active linked Truist product — a related personal credit card, mortgage, or consumer loan (including LightStream), or a linked Small Business Checking account.
• Student status, or being under 25 or 62 and older.

Truist Confidence Account

The Truist Confidence Account ($5/month) is waived by meeting any one of:

• $500 or more in total deposits per statement cycle
• 10 or more qualifying transactions per statement cycle (debits like ATM withdrawals, ATM payments, ATM transfers, debit card purchases, and Zelle payments)
• Student status
• Being under 25 or 62 and older

Truist Marquee Checking

Truist Marquee Checking ($35/month) is automatically waived for the first 3 statement cycles. After that, it’s waived by maintaining a $250,000+ combined balance across Truist-related personal deposits and investments, or by meeting Truist Wealth Relationship Requirements ($1,000,000+ in qualified investment assets, or qualification under Specialty Wealth criteria).

Truist Savings Account Minimums

Truist One Savings charges a $5 monthly fee, waived by maintaining a $300 minimum daily balance, scheduling a recurring $25+ internal transfer into the account each statement cycle, being an owner under 18, or linking the savings account to any Truist checking product.

Truist Confidence Savings has no monthly maintenance fee.

For current Truist savings rates, see the Truist savings account guide.

How to Avoid Truist Monthly Fees

For most employed customers, setting up payroll direct deposit of $500+ is the simplest path to waiving the Truist One Checking fee. Customers who are self-employed or whose income is variable may find the linked-product waiver useful — holding any active Truist credit card, even one not used frequently, satisfies this condition automatically each cycle.

For a full breakdown of all Truist charges, see the Truist fees guide.

For a complete overview of Truist accounts, limits, and contact information, see the Truist complete guide.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.