Truist One Checking
APY
0.01%
Min. to Open
$50
Monthly Fee
$12/month
Welcome Bonus
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Truist One Checking
Truist One Checking
No overdraft fees; tiered benefits. April 2026.
Our take
Competitive package for customers in Truist markets with relationship perks.
Highlights
What we like
Competitive for April 2026
FDIC insured (typical for US banks)
The trade-off
Confirm live rate and offer on issuer site
Is this account right for you?
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Full details
Rate & Earnings
| APY | 0.01% |
Fees & Requirements
| Monthly fee | $12/month |
| Fee waiver | Direct deposit or qualifying balance |
| Minimum to open | $50 |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
| ATM access | ATM access |
| Check writing | Check writing |
Frequently asked questions
What is the current APY on this account?
The current APY is 0.01%. Rates are variable and may change. Check the bank's site for the most current rate.
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
ATM withdrawals are available. Check writing is supported. You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
How do I avoid the monthly fee?
The monthly fee of $12 can be waived if you Direct deposit or qualifying balance.
Truist One Checking