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Truist One Checking Account: Huge Bonus + No Overdraft Fees

By: Conor Keenan Last updated April 18, 2025
Conor Keenan, co-founder of CompareAccounts, is a notable personal finance expert with work seen in Wall Street Journal, CNN, Fox News, MSN & Yahoo Finance.

Editorial Independence: Our opinions, reviews, and recommendations are our own and not influenced by financial institutions or partners. Partner commissions keep our site free, but our content remains independent and is not commissioned by any partner or financial institution.

$400 Bonus

5.0

CompareAccounts™ Score

Open Account

On Truist's Secure Site,
Member FDIC

Truist One Checking Account

Best For: $400 Bonus From a Top 10 Bank

Truist is ranked among the top 10 largest banks in the United States with over $500 Billion in assets and with more than 2,000 financial centers spread throughout the South, Mid-Atlantic, and Midwest regions, in short, its a great choice for your checking account.

Earn $400 when you 0pen a new Truist One Checking account online from 10/31/24 through 4/30/25, receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening. New checking clients only. Terms & conditions apply.^ⓘ

Use Promo Code: AFL2425TR1400

Truist provides 24-hour automated assistance and if you need to talk to someone, customer service is available Monday through Friday, 8 am to 8 pm ET, Saturday, 8 am to 5 pm ET, closed Sunday.

This account comes with FDIC insurance up to the amount allowable by law, mobile check deposit and more via their mobile app.

To top it off, this account has $0 overdraft fees, $0 ATM fees at Truist ATMs, a $100 Negative Balance Buffer if you meet the requirements, and only requires a $50 minimum deposit to open today.

See Truist's Secure Site For More Details.

Terms and Conditions for the $400 Truist One Checking Affiliate Offer 1: AFL2425TR1400

Offer Information: Open a new Truist One Checking account online from 10/31/24 through 4/30/25, receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening and earn $400.

Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code AFL2425TR1400. Please refer to the Account Opening and Enrollment section below for full instructions.

*A qualifying Direct Deposit is an electronic credit (greater than $0.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 10/31/23 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a mailing address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. The new checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the checking account is changed to an account type not included in this client offer, (2) the checking account is closed prior to the reward being deposited, or (3) the new checking account has a $0.00 or negative available balance at the time Truist verifies the qualification requirements have been met.

Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right in our sole discretion to prohibit a reward payout to non-eligible individuals for any offers claimed through third-party websites with no affiliation or prior authorization from Truist. All promotional payouts will be processed no later than 1/31/26 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.

Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter AFL2425TR1400 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.

Version 3 10022024 AFL2425TR1400

Main Benefits You Get with Truist One Checking Account

Large Bonus:
The bonus that Truist is offering to you to open a new Truist One Checking account online is one of the best offers currently available from a top 10 bank.

No Overdraft Fees:
This account eliminates overdraft and related fees, providing peace of mind against unexpected charges.

$100 Negative Balance Buffer:
Eligible clients can overdraw their account by up to $100 without incurring fees, offering a cushion for accidental overspending.

Multiple Ways to Waive Monthly Maintenance Fee:
The $12 monthly fee can be waived through various methods, such as:

– Making $500 or more in total qualifying direct deposits per statement cycle.
– Maintaining a total combined ledger balance of $500 or more across eligible Truist accounts.
– Having a personal Truist credit card, mortgage, or consumer loan.
– Linking a small business checking account.
– Being a student under age 25 or a primary account holder aged 62 and older.

$400 Bonus

5.0

CompareAccounts™ Score

Truist One Checking Account

Checking Account
Visa^® Debit Card
Minimum Deposit: $50
Overdraft Fees: $0
$100 Negative Balance Buffer for eligible clients.
Mobile Check Deposit
No ATM Fees at Truist ATMs
Earn $400 with qualifying activities. For new checking clients only.
Use Promo Code: AFL2425TR1400
Offer valid through 04/30/2025.
Terms & Conditions Apply^ⓘ
See Site for Details

Terms and Conditions for the $400 Truist One Checking Affiliate Offer 1: AFL2425TR1400

Version 3 10022024 AFL2425TR1400

Open Account

On Truist's Secure Site,
Member FDIC

Open Your New Account with Truist Now

Truist One Checking Account: Best For: $400 Bonus From a Top 10 Bank

Customers Also Viewed These Accounts From Our Partners

While AlumniFi’s high-yield savings account is a compelling choice, it’s crucial to consider other options as well. Different banks offer various features and benefits, and exploring these alternatives can help you find the best fit for your financial needs.

Up to $300 Bonus

5.0

CompareAccounts™ Score

SoFi^® Checking and
Savings Details

Checking & Savings Account
No Monthly Fees
No Overdraft Fees
Fee-Free Overdraft Coverage Available
Bonus: up to $300 with Direct Deposit^ⓘ
Set Up Direct Deposit & Access Funds up to 2 Days Sooner with Early Pay
Access 55,000+ Fee-Free ATMs within the Allpoint^® Network
Send Money with SoFi's Peer-to-Peer Payment System
Earn 0.50% Annual Percentage Yield (APY) on Checking Balances
Earn up to 3.80% APY on Savings Balances with Qualifying Activities
See Site for Details

1. Up to $300 Bonus Tiered Disclosure

New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the
Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion
begins on 12/7/2023 and will be available through 1/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking#1

2. APY disclosures

SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80%
annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without
either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other
SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at
http://www.sofi.com/legal/banking-rate-sheet.
See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.

3. Fee Policy

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.

4. Additional FDIC Insurance

SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $2M through participation in the program. See full terms at SoFi.com/banking/fdic/terms See list of participating banks at SoFi.com/banking/fdic/receivingbanks

5. ATM Access

We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.

6. Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

7. Overdraft Coverage

Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with direct deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.

Open Account

On SoFi's Secure Site,
Member FDIC

$300 Bonus

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Key Smart Checking^® Details

Checking Account
No Monthly Maintenance Fee
Min. Opening Deposit: $10
Send Money with Zelle^®
KeyBank Enhanced Debit Mastercard^® Offers Security & Convenience
Deposit Checks in The Mobile App
24-hour access to 40,000+ KeyBank & AllPoint^® ATMs Nationwide
Earn a $300 Cash Bonus: Make the Minimum Opening Deposit of $10, Plus One Single Eligible Direct Deposit of at Least $1,000 within the First 60 Days of Account Opening
To be Bonus Eligible, You Must Open Your Account by May 16, 2025
Overdraft Protection Services Available
Accounts are Subject to Approval
Terms & Conditions Apply
See Site for Details & Other Offers

Open Account

On KeyBank's Secure Site,
Member FDIC

*National Savings Rate Average as published by FDIC

Truist One Checking Account: Huge Bonus + No Overdraft Fees

5.0

Truist One Checking Account

Best For: $400 Bonus From a Top 10 Bank

Main Benefits You Get with Truist One Checking Account

5.0

Truist One Checking Account

Open Your New Account with Truist Now

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Company:

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5.0

Truist One Checking Account

Best For: $400 Bonus From a Top 10 Bank

Main Benefits You Get with Truist One Checking Account

5.0

Truist One Checking Account

Open Your New Account with Truist Now

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Western Alliance Bank APY Disclosure

Discover® Cashback Debit: Cash Back Disclosure

Upgrade Rewards Checking Plus Disclosure

State Disclosure:

General Disclosure:

Truist One Checking Account: Huge Bonus + No Overdraft Fees

SoFi^® Checking and
Savings Details

Key Smart Checking^® Details

Discover^® Cashback Debit: Cash Back Disclosure