CDs require a minimum deposit of $1,000 to $2,500. Truist offers CDs with terms ranging from seven days to five years. Unfortunately, Truist doesn’t currently publish its CD rates online, and you can only open a Truist CD account by visiting one of the bank’s branches. There are several available Truist certificates of deposit (CDs), depending on your needs. This account allows up to six fee-free withdrawals per month, after which you’re charged $15 per additional withdrawal. There’s also a $12 monthly maintenance fee attached to the account, although you can get it waived by keeping a $1,000 minimum balance. Opening a money market account requires a $50 minimum deposit.
The Truist One Money Market Account currently earns 0.01% APY on all account balances, well below what you can find with the best money market accounts.
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A money market account (MMA) is a type of bank account that typically offers competitive rates, like a high-yield savings account, plus popular features of a checking account, like a debit card and check-writing privileges. Truist is also home to the Truist One Money Market Account. It requires a minimum opening deposit of $25. This account earns interest and charges no monthly fees or overdraft fees. This basic savings account is designed to be paired with the Truist Confidence Account, a checking account designed for people who can’t qualify for standard bank accounts. It charges a $5 monthly fee to account holders age 18 or older, but this fee can be easily waived by holding an eligible Truist checking account, maintaining a minimum daily balance of $300 or scheduling a preauthorized internal transfer of at least $25 per statement cycle. Truist’s main savings account earns minimal interest (a 0.01% APY) and requires a minimum opening deposit of $50. Truist offers two primary savings accounts for its customers: Truist One Savings and Truist Confidence Savings. It charges a $5 monthly fee that can be waived if you receive at least $500 in direct deposits per statement cycle, make 10 or more qualifying transactions per statement cycle or are a student under the age of 25. This account has limited features, such as no paper checks, and requires a minimum opening deposit of $25.
This is Truist’s second-chance bank account, designed for people who have trouble qualifying for a standard checking account. This account charges no overdraft fees, offers a $100 Negative Balance Buffer and comes with additional perks-like a loyalty bonus on credit card rewards and ATM fee waivers-as your balance grows.
Have a personal Truist credit card, mortgage or qualifying loan.Open and link a Truist small business checking account.Maintain a combined balance of at least $500 across all Truist deposit and investment accounts.Receive at least $500 in direct deposits per statement cycle.With Truist One Checking, you can get the $12 monthly fee waived by meeting one of the following requirements: After the merger, this became Truist’s flagship checking account. Truist offers two checking accounts to meet varying customer needs: Truist One Checking and Truist Confidence Account. The primary bank account for transactions is your checking account. Account details and annual percentage yields (APYs) are accurate as of June 6, 2023. This review focuses on Truist’s personal banking services. We used North Carolina for the purposes of this review, as that’s where the bank is headquartered. Truist Financial product details, rate and fee information may vary by location.
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