Article Badge Image

Truist Bank Review

About the Bank

Truist Bank is among the largest banks in the U.S. -- following a merger for SunTrust Bank and BB&T -- with a heavy branch and ATM presence in the Northeast and the Southeast. Like many national banks, Truist offers consumers and businesses a comprehensive list of financial products and services.

Compare Savings Options
Be sure to check out these savings accounts worth considering:

Truist Checking Accounts

Truist offers three transactional accounts to consumers::

  • Truist One Checking
  • Truist Confidence Account
  • Truist Money Account

Truist One Checking is a basic checking account with a $12 monthly fee, and many ways to waive this fee. Notably, it has no overdraft fees, and Truist offers a $100 Negative Balance Buffer to fund smaller transactions that overdraw the account funds.

The Truist Confidence Account is a checkless account with a $5 monthly fee and many options to waive this fee. Besides no paper checks, the Truist Confidence Account is very similar to the Truist One Checking account.

The bank also offers a reloadable debit account called the Money Account for a $5 monthly fee. It comes with a reloadable debit card with no overdrafts allowed. It's an option for consumers with trouble banking history and cannot open a traditional checking account.

Truist Savings Accounts

Truist offers two savings accounts and one money market account:

  • Truist One Savings
  • Truist Confidence Savings
  • Truist One Money Market

The Truist One Savings account has a $5 monthly fee (can be waived) and it acts as a very basic savings option with a low interest rate.

The Truist Confidence Savings account is a savings account with no ability to overdraw your balance. The best part is that it has no monthly fee, but it requires the Truist Confidence Account to open this savings option.

The Truist One Money Market Account has a $12 monthly fee (can be waived). However, it also lacks a meaningful interest rate that might help consumers grow their savings.


Truist Bank operates more than 2,200 branches and ATMs in the United States--with a robust physical presence in Alabama, Florida, Georgia, North Carolina, and Virginia.

Online and Mobile Banking

With online and mobile banking, Truist customers can minimize their trips to branches and ATMs. Fortunately, the bank offers well-designed online and mobile banking platforms.

Helpful features include:

  • Online bill payment
  • Personal payments through Zelle
  • Mobile check deposit
  • Financial tools to identify spending patterns
  • Customizable account alerts
  • Lock and unlock debit cards, including set spending limits

Truist Reviews

Bank Fees

Fees National Average
Monthly Inactivity N/A $6
Non-Sufficient Fund (Overdraft) $36 $30
Stop Payment item $35 $27
Domestic Wire Transfer (Outbound) $30 $22
Domestic Wire Transfer (Inbound) $15 $10
Non-Bank ATM $3 $1