Disclosure 1Truist does not charge overdraft related fees on this product. Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees. Transactions that exceed the account balance will typically be declined or returned.
Disclosure 2 To initially qualify requirements below must be met for the $100 Negative Balance Buffer:
- Account must be opened for a minimum of 35 calendar days
- Account must be funded and have a positive balance
- A single direct deposit of at least $100 per month must be made for 2 consecutive months
To remain qualified for the $100 Negative Balance Buffer, the requirement below must be met:
- A recurring direct deposit of at least $100 per month.
After qualifying, if two months pass without a Direct Deposit of at least $100, you will no longer have access to Negative Balance Buffer.
For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Account Buffer first. If the account has neither, transactions that exceed the account balance will be declined or returned.
The $100 Negative Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. Initial and ongoing eligibility requirements apply. If the $100 Negative Balance Buffer is not available (and the account does not have Overdraft Protection), transactions that exceed the account balance will be declined or returned.
Disclosure † Terms and Conditions for the 2024 Truist Q3 Small Business Checking Offer:SB24Q3CHECKING:
Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, phone, or in a branch from 7/1/2024 through 9/30/2024 and earn $400 by making Qualifying Deposits* of $1,500 or more into your new account within 30 days of account opening.
Enrollment in the promotion is required at the time of account opening using promo codeSB24Q3CHECKINGto be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment section below for instructions.
*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.
Offer Eligibility:You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 1/3/2024), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The account opened for this offer must have the same account ownership with matching client Taxpayer Identification Number (TINs). The business’s physical address must be located in one of the following states: 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 business checking account within 4 weeks after the qualification requirements have been met and verified. The new business 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. Only one newly opened business checking account per client is eligible to participate in this offer. Truist may report the value of any 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 business checking account is changed to an account type not included in this offer, (2) the business checking account is closed prior to the reward being deposited, or (3) the new business checking account has a $0.00 or negative available balance at the time of qualification validation.
Other Terms: Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist's Business Deposit Accounts Fee Schedule for additional information.
The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. All promotional payouts will be processed no later than 3/31/2025, at which point this promotion and any related disbursem*nts will be considered final, and no further disbursem*nts will be made.
Online Account Opening & Promotion Enrollment Instructions:During the online application process, ensure the promo codeSB24Q3CHECKINGis entered into the Promo Code field and accept the offer when presented. Accounts opened online without the Promo Code will not be eligible to participate in the offer.
Branch Account Opening & Promotion Enrollment Instructions:Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the2024 Truist Q3Small Business Checking Offerusing promo codeSB24Q3CHECKING.
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