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Effective February 20, 2022
Please note: The pricing in this guide applies only to SunTrust accounts transitioning to Truist.
Please review the important dates inside the back cover of this guide.
Personal Services
Product and Pricing Guide
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At Truist, we stand for better. That means a better overall inancial experience for you.
So how do we achieve that?
• It all starts with listening to you.
• Because we listen, we’re able to understand your needs.
• That all leads to solutions that can mean better outcomes for you.
One thing that really sets Truist apart is our unique combination of people and
technology—seamlessly working together to deliver one smooth experience for you.
We’ve empowered our teammates to connect you with the right people and the right
technology—at exactly the right time.
Ways to bank that it your life
At our Innovation and Technology Center, we’re working directly with clients like you to
develop new ways to manage both your money and your relationship with us, including:
• Contactless banking that’s quicker and safer
• Text-to-speech technology for easier interaction
• A dynamic digital shopping experience
All this and more provides you with more control and convenience when it comes to
every aspect of your inancial life. Tomorrow looks better than ever. And we can’t wait to
share it all with you.
If you have questions, reach out to a Truist teammate at 888-700-7856.
Wealth clients may contact your Truist Wealth advisor, or call Wealth Client Care at
800-321-1997, Monday-Friday, 8 am – 8 pm, ET and Saturday, 8 am – 5 pm, ET.
Welcome
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Account name change chart ...............................4
Checking accounts .............................................. 7
Standard checking account features .....................7
Truist Wealth Checking ............................................7
Truist Asset Management Account ........................ 8
Truist Dimension Checking .................................... 9
Truist Focus Checking ...........................................10
Truist Bright Checking ............................................11
Truist Fundamental Checking ................................11
Truist Student Checking ........................................ 12
Money market accounts .....................................12
Standard money market account features .......... 12
Truist Wealth Money Market Account ................... 12
Truist Money Market Account ............................... 12
Savings accounts ............................................... 13
Standard savings account features ......................13
Truist Savings .........................................................13
Truist Online Savings .............................................14
Secured Credit Card Savings ................................14
Health Savings Account ........................................14
Certiicates of Deposit (CDs) ............................. 15
Individual Retirement Accounts (IRAs) ............. 16
Loans and lines of credit .................................... 18
Ways to make your life easier ............................ 18
Truist Debit Card ....................................................18
Delta SkyMiles® Debit Card ...................................19
Truist ATM Card ..................................................... 20
Truist ATMs ............................................................20
Truist Deals ............................................................ 20
Truist credit card ................................................... 20
Credit Card Rewards ..............................................21
Truist Online and Mobile Banking ......................... 21
Zelle® .......................................................................21
Alerts ...................................................................... 22
Truist Contact Center ........................................... 22
Important information .......................................22
Arbitration, Jury Trial Waiver & Litigation
Class Action Waiver .............................................. 22
Direct Deposits and Automatic Drafts ................. 22
Truist Overdraft Protection ................................... 22
Truist Overdraft Coverage .................................... 23
How we process your deposits
and withdrawals .................................................... 24
Funds Availability Policy ....................................... 24
Deposit Statements .............................................. 25
Online Statements ................................................ 25
Image Statements ................................................. 25
Checks ................................................................... 25
FDIC Insurance ...................................................... 25
Other services .................................................... 26
Truist Safe Deposit Box ......................................... 26
Wire Transfers ........................................................ 26
Truist Ready Now Credit Line ............................... 26
Fee Schedule ...................................................... 28
Truist Overdraft Decision Notice.......................37
Important dates .................................................38
Table of contents
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On Sunday, February 20, 2022, your SunTrust account will become a new Truist account. Although the
account names are changing, most accounts will retain the same features, pricing, and beneits. If there are
any dierences between your SunTrust account and your new Truist account, the enclosed letter highlights
those dierences. This guide covers accounts and services oered at Truist. Look through the guide for
information on other Truist accounts that may better serve your needs. If you have any questions, please
visit your nearest branch or contact your Truist branch teammate. One of our teammates will talk with you
about dierent Truist options that you may prefer.
Account name change chart
SunTrust account: New Truist account:
Exclusive Checking Truist Wealth Checking
Signature Advantage with Brokerage Account Truist Asset Management Account
Signature Advantage Checking
Signature Advantage with Brokerage FDIC
Signature Advantage Checking*
Advantage Checking Truist Dimension Checking
SunTrust at Work Professional Banking Truist Focus Checking
Everyday Checking
Personal Checking
Premium Banking
SunTrust at Work Everyday Checking
Truist Bright Checking
Smart Choice Banking Truist Fundamental Checking
Essential Checking (standard) Essential Checking*
Essential Checking (student)
FSU Card Account
Truist Student Checking
Fifty Plus Checking Senior Checking*
Interest Checking Personal Interest Checking*
Checking accounts
* These accounts are no longer oered by Truist, but we will continue to service your account.
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SunTrust account: New Truist account:
Exclusive Money Market Truist Wealth Money Market Account
Advantage Money Market
Signature Money Market
Advantage Rate Money Market Account
Signature Advantage Money Market Account
Money Market Index
Investor’s Deposit Account*
Select Savings
Personal Money Market
Premium Money Market Performance
Money Market Performance Account
Classic Select Savings
First Rate Savings
Live Solid Savings
Money Rate Savings*
SunTrust account: New Truist account:
Youth Advantage Savings
Essential Savings
Vanderbilt Employee Savings
Personal Savings
Get Started Savings
Truist Savings
Secured Card Savings Account Secured Credit Card Savings
SunTrust account: New Truist account:
Personal Certiicate of Deposit
Variable Rate CD
Personal Fixed Rate CD
Fixed Rate IRA Fixed Rate IRA
SunTrust Money Market IRA
Premium Plus Money Market IRA
Money Rate Savings IRA
SunTrust Variable Rate Deposit IRA 18-Month Variable Rate IRA*
Money market accounts
Savings accounts
Certiicates of Deposit and Individual Retirement Accounts
* These accounts are no longer oered by Truist, but we will continue to service your account. Please look through this guide for information on other Truist
accounts that may better serve your needs.
* This account is no longer oered by Truist, but we will continue to service your account.
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SunTrust account: New Truist account:
Overdraft Coverage Truist Overdraft Coverage
Safe Deposit Box Truist Safe Deposit Box
Online Banking Online Banking
Auto Loan Auto Loan
Boat Loan Boat Loan
Marine Loan Marine Loan
RV Loan RV Loan
Unsecured Loan Personal Loan
Wealth/Premier Personal Loan
Personal Credit Line Plus
Personal Line of Credit
Wealth/Premier Personal Line of Credit
Select Credit Line Secured Line of Credit
Wealth/Premier Secured Line of Credit
CD/Savings Loan CD/Savings Secured Loan
Home Equity Line of Credit Home Equity Line of Credit
Stock Secured Loan Secured Loan
Wealth/Premier Secured Line of Credit
Other accounts and services
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Checking accounts
Truist oers a variety of checking account choices. All Truist checking accounts provide standard beneits
designed to make banking easier and more convenient for you.
Standard checking account features
• Truist Debit Card with Truist Deals
• Unlimited check writing
• Account access through Truist Online and Mobile Banking with unlimited online Bill Pay
• Unlimited account inquiries through the Truist Contact Center, our automated telephone banking service,
available 24 hours a day, 7 days a week. Our automated system now includes speech recognition and
enhanced authentication methods.
• No fee to transfer between your Truist deposit accounts through the Truist Contact Center
• Truist oers several options for overdraft protection
Truist oers a variety of accounts and credit options that can be linked to your checking account to provide overdraft protection (see page 22). Some products
may be subject to credit approval.
Truist Wealth Checking
If you’re a Wealth client, your advisor can open a Truist Wealth Checking account for you. Or if you’re assigned
to a Wealth advisor, a teammate at any Truist branch can help you. Truist Wealth Checking is a premium
banking package that provides Wealth clients with an unmatched combination of exclusive products, beneits,
discounts, and services. You’ll receive all of the standard features for Truist checking accounts (see above), plus
these additional features:
• No monthly maintenance fee on secondary checking accounts
• No monthly maintenance fee on one personal Truist Savings account or one existing Money Rate Savings account
• No monthly maintenance fee on a Health Savings account
• No overdraft/returned item fees
• Exclusive Truist Wealth Debit Card
• Delta SkyMiles® Debit Card (optional). Annual fee may apply.
• No-fee non-Truist ATM transactions, including international, plus unlimited surcharge rebates
• Increased daily ATM withdrawal limit of $3,000 and daily purchase limit of $25,000
• 3% fee for international currency conversion waived
• No fee on any personal checks (single, duplicate, top-stub or end-stub style)
• No-fee safe deposit box, any size (subject to availability)
• No-fee automatic overdraft protection transfers
• No-fee incoming and outgoing international and domestic wire transfers
• No-fee incoming and outgoing external transfers with online banking
• No-fee money orders and oicial checks
• No-fee Quicken® access
• No fee for duplicate statement
Truist Wealth Checking pricing information:
• The annual maintenance fee is $50 if qualiiers aren’t met on service charge account anniversary date.
You can avoid the annual maintenance fee with any of the following:
• Maintain a minimum daily ledger balance of $25,000 in your Truist Wealth Checking or your Truist Wealth
Money Market account OR
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• Maintain $100,000 or more in Truist related accounts across personal deposits, all investments, Trust, and/or
personal mortgage, consumer loans/lines, personal credit card or Truist Ready Now Credit Line accounts.
If linked to an eligible Truist Investment Services, Inc. brokerage account the Truist Asset Management
Account pricing will apply. If the linked brokerage account relationship is removed then the account will
revert back to the standard Truist Wealth Checking pricing.
 Secondary account fee waiver: The secondary checking account fee waiver excludes Truist Wealth Checking and Private Vantage Checking.
 Delta SkyMiles® Debit Card Annual Fee: See the Delta SkyMiles Debit Card Annual Fee section on Page 35 for more details.
Quicken: Quicken is a registered trademark of Intuit, Inc. Truist online banking services, which may be accessed through Intuit’s Quicken software, are
owned by Truist, not Intuit. To use Quicken, Internet access is required.
Truist Wealth Checking Annual Fee: The irst fee will be charged three months after account opening and each year thereafter on the service charge
anniversary date.
 Daily Ledger Balance: This is the actual balance in your account on a speciic day, and does not relect any holds or pending transactions.
 Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.
Trust Balances: Balances that are held in the Truist Trust Department or Truist Advisory Services, Inc., an SEC registered investment advisor, provides
discretionary asset management services to the client in a iduciary capacity.
 Truist Related Accounts: The sum of current balances from a related mortgage, consumer loan/line/credit card – excluding LightStream®.
Truist Asset Management Account
An Asset Management Account (AMA) helps you meet your everyday transactional needs while putting remaining
funds to work by “sweeping” them into your brokerage account. In addition to the standard checking
account features (see page 7), the Truist Asset Management Account gives you these additional features:
• No monthly maintenance fee on a Truist Bright Checking account
• Increased daily ATM withdrawal limit of $2,000 and daily purchase limit of $10,000
• No-fee Truist design personal checks (single, duplicate, or top-stub style) or 50% discount on any other designs
• No-fee 3x5 safe deposit box or $40 discount on a larger box (subject to availability)
• No-fee automatic overdraft protection transfers
• No-fee incoming domestic or international wire transfers
• One no-fee money order and oicial check per statement cycle
• No-fee Quicken® access
• Exclusive Truist AMA design Debit Card with unlimited non-Truist ATM transactions and surcharge rebates
• Delta SkyMiles® Debit Card (optional) annual fee may apply
• One no-fee overdraft/returned item per statement cycle
Truist Asset Management Account pricing information:
• The monthly maintenance fee is $30.
• Refer to your Truist Investment Services, Inc. Commission and Fee Schedule for commissions and fees
that may apply.
Brokerage
Commission
and Fee
Investment
and Insurance
Products
Refer to your Truist Investment Services, Inc. Commission and Fee Schedule for commissions and fees that may apply.
Investment and Insurance Products: Are Not FDIC or Any Other Government Agency Insured • Are Not
Bank Guaranteed • May Lose Value
Services oered by the following ailiates of Truist Financial Corporation: Banking products and services, including loans and
deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC.
Truist and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now
Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts, and/or insurance (including annuities) are
oered by Truist Investment Services, Inc. (d/b/a SunTrust Investment Services, Inc.), and P.J. Robb Variable Corp., which are
each SEC registered broker-dealers, members FINRA, SIPC, and a licensed insurance agency where applicable. Life insurance
products are oered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR License
#100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc. Investment advisory services are oered by Truist
Advisory Services, Inc. (d/b/a SunTrust Advisory Services, Inc.), GFO Advisory Services, LLC, Sterling Capital Management, and
Precept Advisory Group, LLC, each SEC registered investment advisors. Sterling Capital Funds are advised by Sterling Capital
Management, LLC.
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You can avoid the monthly maintenance fee with any of the following:
• Maintain a total combined balance of $50,000 or more in Truist related accounts across deposits and all
investments OR
• Maintain $100,000 or more in Truist related accounts across personal deposits, all investments, credit
cards, and/or consumer loans/lines balances (excludes mortgage and LightStream® loans).
Quicken: Quicken is a registered trademark of Intuit, Inc. Truist online banking services, which may be accessed through Intuit’s Quicken software, are owned by
Truist, not Intuit. To use Quicken, Internet access is required.
Delta Skymiles® Debit Card Annual Fee: See the Delta SkyMiles Debit Card Annual Fee section on page 35 for more details.
Total Combined Balance: This is the sum of all balances within the Truist personal deposit accounts (checking, savings, money market or CDs), IRAs or consumer
brokerage accounts introduced through Truist Investment Services, Inc., and reflected on the last day of the statement cycle.
Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.
Truist Dimension Checking
Truist Dimension Checking is a multi-tiered solution which oers the Delta SkyMiles® Debit Card and rewards
you with additional beneits based on your balance relationship tier. You’ll receive the standard features for
Truist checking accounts (see page 7), plus these additional features:
• Up to four Truist Bright Checking accounts with no monthly maintenance fee
• No monthly maintenance fee for a Personal Truist Savings account
• Increased daily ATM withdrawal limit of $1,500 and daily purchase limit of $10,000
• $25 safe deposit box rental discount (subject to availability)
• No-fee incoming domestic and international wire transfers
• No-fee money orders and oicial checks
• The $3 fee for standard online external transfers to your accounts at other inancial institutions will be
waived up to three times per month.
• No fee for duplicate statement
• Accounts measured every month to determine balance relationship tier
– Dimension Core Tier < $25,000
- No fee for new account irst order of Truist design personal checks (single, duplicate, or top-stub style)
- One no-fee non-Truist ATM transaction plus surcharge rebate per statement cycle
- Delta SkyMiles® Debit Card (optional) with an annual fee of $95
– Dimension Select Tier $25,000 - $99,999.99
- One no-fee automatic overdraft protection transfer per statement cycle
- No-fee irst order any design personal checks (single, duplicate, top-stub, or end-stub) and 50%
discount o reorders.
- Three no-fee non-Truist ATM transactions plus surcharge rebates per statement cycle
- Delta SkyMiles® Debit Card (optional) with an annual fee of $75 ($20 discount)
Brokerage
Commission
and Fee
Investment
and Insurance
Products
Refer to your Truist Investment Services, Inc. Commission and Fee Schedule for commissions and fees that may apply.
Investment and Insurance Products: Are Not FDIC or Any Other Government Agency Insured • Are Not
Bank Guaranteed • May Lose Value
Services oered by the following ailiates of Truist Financial Corporation: Banking products and services, including loans and
deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC.
Truist and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now
Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts, and/or insurance (including annuities) are
oered by Truist Investment Services, Inc. (d/b/a SunTrust Investment Services, Inc.), and P.J. Robb Variable Corp., which are
each SEC registered broker-dealers, members FINRA, SIPC, and a licensed insurance agency where applicable. Life insurance
products are oered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR License
#100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc. Investment advisory services are oered by Truist
Advisory Services, Inc. (d/b/a SunTrust Advisory Services, Inc.), GFO Advisory Services, LLC, Sterling Capital Management, and
Precept Advisory Group, LLC, each SEC registered investment advisors. Sterling Capital Funds are advised by Sterling Capital
Management, LLC.
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– Dimension Premier Tier $100,000 or more
- Unlimited no-fee automatic overdraft protection transfers
- No fee for new and reordered personal checks of any style (single, duplicate, top-stub, or end-stub)
- Unlimited no-fee non-Truist ATM transactions plus surcharge rebates per statement cycle
- Delta SkyMiles® Debit Card (optional) with an annual fee of $25 ($70 discount)
New Truist credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty
Travel Bonus based on their credit card product type, the method by which they redeem, and their deposit
relationship(s) at Truist (including Truist Dimension Checking or Signature Advantage Checking account
holders). More information on this rewards bonus option can be found within the Rewards Program Terms and
Conditions applicable to the client’s respective credit card; restrictions apply. Truist credit cards are subject to
credit approval.
Truist Dimension Checking pricing information:
• The monthly maintenance fee is $20.
You can avoid the monthly maintenance fee with any of the following:
• Have $3,000 or more in total qualifying direct deposits per statement cycle OR
• Maintain a total combined monthly average ledger balance
,
of $10,000 or more in Truist related
accounts across personal deposits and all investments per statement cycle OR
• Have a related Truist personal credit card, mortgage, or consumer loan OR
• Have a linked Small Business Checking account
Truist Dimension Checking: We’ll use the highest average monthly ledger balance of the three most previous months to determine your tier. Eligible Truist
consumer deposit balances include all checking, savings, Certiicates of Deposit, Individual Retirement Accounts, and/or all consumer investments through
Truist Investment Services, Inc. titled to the owner’s or the co-owner’s name.
A $3 cap on surcharge rebates applies.
Delta SkyMiles® Debit Card Annual Fee: The annual fee is charged 45 days after the open date of the card. For Truist Dimension Checking accounts, the initial annual
fee will be based on the sum of highest monthly average ledger balance of your combined eligible Truist consumer deposit balances on that date. Eligible Truist
consumer deposit balances includes all checking, savings, Certiicate of Deposit, Individual Retirement Account and/or all consumer investments through Truist
Investment Services, Inc. titled in the owner or the co-owner’s name. Thereafter, for Truist Dimension and Signature Advantage Checking (no longer oered), we will
use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee. Annual fee tiers are deined as follows: a) highest 3-
month average ledger balance of less than $25,000 is charged an annual fee of $95 b) highest 3-month average ledger balance of $25,000 and less than $100,000
is charged an annual fee of $75 and c) highest 3-month average ledger balance of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated
at the end of the month prior to the annual fee being charged. For Truist Wealth and Truist Asset Management Checking account clients, the annual fee will be
discounted to $0. For Delta SkyMiles® cards opened before July 15, 2015, and not associated with a Truist Dimension Checking or Signature Advantage Checking
Account, the annual fee is $95. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date.
Direct Deposits: A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Preauthorized transfers
made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not
eligible to meet this requirement.
Total Combined Balance: The sum of all balances within the Truist personal deposit accounts (checking, savings, money market, or CDs), IRAs or brokerage
accounts introduced through Truist Investment Services, Inc. and relected on the last day of the statement cycle.
Ledger Balance: This is the actual balance in your account on a speciic day, and does not relect any holds or pending transactions.
Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.
Investments: For Truist Wealth Checking and Truist AMA, investments include assets held in a traditional brokerage account, fee-based assets under
management, annuities, and IRAs.
Related Truist Personal Credit Card, Mortgage, or Consumer Loan: The following accounts will qualify to waive the monthly maintenance fee: a Truist personal
credit card, personal mortgage or a consumer loan (including LightStream®).
 Linked Small Business Checking Account: Eligible Small Business account types to be linked include Truist Dynamic Checking, Business Interest Checking,
Simple Business Checking, and Business Value 200 Checking (no longer oered).
Truist Focus Checking
Truist Focus Checking is designed for employees and/or associates of companies that are engaged with
Truist’s Financial Wellness, and oers you a host of money-saving perks. Of course, you get the standard Truist
checking features (see page 7), plus, you can also make the most of:
• Four no-fee non-Truist ATM transactions per statement cycle
• No-fee for new account irst order of Truist design personal checks (single, duplicate, or top-stub style) or
50% discount o any other style.
• Two no-fee automatic overdraft protection transfers per statement cycle
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• Increased daily ATM withdrawal limit of $1,500 and daily purchase limit of $6,000
• No-fee 3x5 safe deposit box or a $40 discount on a larger box (subject to availability)
• No monthly maintenance fee on one Bright Checking account, and no monthly maintenance fee on one
personal Truist Savings account or one existing Money Rate Savings account
• Unlimited no-fee oicial checks and money orders
• No penalty CD withdrawals for medical emergency
Truist Focus Checking pricing information:
• The monthly maintenance fee is $15.
You can avoid the monthly maintenance fee with any of the following:
• Have $750 or more in total qualifying direct deposits per statement cycle OR
• Maintain an average ledger balance of $1,000 or more per statement cycle OR
• Maintain a total combined balance of $15,000 or more in Truist related accounts across personal
deposits and all investments per statement cycle OR
• Have a related Truist personal mortgage of $150,000+ aggregate (original loan amount)
 Fees may be charged by ATM owner.
Direct Deposits: A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Preauthorized transfers
made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not
eligible to meet this requirement.
Ledger Balance: This is the actual balance in your account on a specific day, and does not reflect any holds or pending transactions.
Total Combined Balance: This is the sum of all balances within the Truist personal deposit accounts (checking, savings, money market, or CDs), IRAs or
brokerage accounts introduced through Truist Investment Services, Inc. and reflected on the last day of the statement cycle.
Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.
Truist Bright Checking
With Truist Bright Checking, you’ll receive a variety of features and benefits—including our promise to share
the knowledge you need to move you toward a brighter financial future. The account combines all the
convenient standard features available with Truist checking accounts (see page 7).
Truist Bright Checking pricing information:
• The monthly maintenance fee is $12.
• $3 per month paper statement fee. Avoid this fee by switching to free online statements.
You can avoid the monthly maintenance fee with any of the following:
• Have $500 or more in total qualifying direct deposits per statement cycle OR
• Maintain an average ledger balance of $1,500 per statement cycle
Paperless Online Statement: Electronic/online statement provided through online banking each statement cycle. Clients must select the option to no longer
receive paper account statements through U.S. mail or a $3 monthly fee applies. Online banking is required to access paperless online statements.
Direct Deposits: A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Preauthorized transfers
made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not
eligible to meet this requirement.
Ledger Balance: This is the actual balance in your account on a specific day, and does not reflect any holds or pending transactions.
Truist Fundamental Checking
Truist Fundamental Checking helps you simplify your financial life. The account combines all the convenient
standard features available with Truist checking accounts (see page 7) with a low monthly fee.
Truist Fundamental Checking pricing information:
• The monthly maintenance fee is $5, $3 in New Jersey.
• $3 per month paper statement fee. Avoid this fee by switching to free online statements.
Paperless Online Statement: Electronic/online statement provided through online banking each statement cycle. Clients must select the option to no longer
receive paper account statements through U.S. mail or a $3 monthly fee applies. Online banking is required to access paperless online statements.
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Truist Student Checking
Truist Student Checking offers convenient checking account access for clients 23 and younger. Once you
turn 24, or reach the graduation date provided to the bank, whichever is later, your Student Checking account
will convert to a Truist Bright Checking account or Truist Fundamental Checking account, based on your
previous account activity. In addition to the standard Truist checking features (see page 7), Student Checking
offers you the following ways to stretch your budget:
• No monthly maintenance fee
• No minimum balance requirement
• No monthly maintenance fee on a personal Truist Savings account
• Two no-fee non-Truist ATM transactions per statement cycle
• One no-fee incoming international or domestic wire transfer per month
• $3 per month paper statement fee. Avoid this fee by switching to free online statements.
Paperless Online Statement: Electronic/online statement provided through online banking each statement cycle. Clients must select the option to no longer
receive paper account statements through U.S. mail or a $3 monthly fee applies. Online banking is required to access paperless online statements.
Money market accounts
If you’re looking for a higher annual percentage yield on your deposits while still having easy access
to funds, you may want to consider a money market account. We oer several dierent money market
accounts to meet your needs.
Standard money market account features
• Tiered interest rates, rewarding you with higher rates for higher balances
• Interest is calculated and compounded daily on the collected balance and credited to your account
monthly. Fees may reduce earnings.
• Account access through Truist online and mobile banking
• Unlimited automated account inquiry calls to Truist Contact Center (see page 22)
Truist Wealth Money Market Account
If you’re a Wealth client, your Truist Wealth advisor can open a Truist Wealth Money Market account for you. Or
if you’re assigned to a Wealth advisor, a teammate at any Truist branch can help you. The Truist Wealth Money
Market account pays competitive tiered interest rates. In addition to the standard money market features, your
account gives you:
• No-fee package of 40 personal money market checks, 40 single deposit tickets and 30 withdrawal slips
• No-fee domestic and international incoming and outgoing wire transfers
• No fee for duplicate statement
Truist Wealth Money Market Account pricing information:
• The monthly maintenance fee is $25. You can avoid this fee by maintaining a minimum daily ledger
balance of $25,000.
• A withdrawal limit fee of $15 per withdrawal over six, with a maximum of six withdrawal limit fees per
statement cycle.
Ledger Balance: This is the actual balance in your account on a specific day, and does not reflect any holds or pending transactions.
Withdrawal Limit Fee: The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or
money market account including those made at a branch, ATM, by mail or through any electronic means.
Truist Money Market Account
The Truist Money Market (TMM) account is designed for clients with at least $1,000 in savings who would like
to earn a competitive interest rate while building balances. It provides the maximum FDIC insurance coverage
allowed by law, and gives clients easy access to their funds anywhere, anytime. TMM has the following features:
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• Higher rates for higher balances
• Up to six withdrawals per statement cycle without a fee
• Can be used for overdraft protection when linked to a Truist checking account
• Check writing capabilities
Truist Money Market Account pricing information:
• The monthly maintenance fee is $12. You can avoid this fee by maintaining a minimum daily ledger
balance of $1,000.
• $3 per month paper statement fee. Avoid this fee by switching to free online statements.
• A withdrawal limit fee of $15 per withdrawal over six, with a maximum of six withdrawal limit fees per
statement cycle.
Ledger Balance: This is the actual balance in your account on a specific day, and does not reflect any holds or pending transactions.
Paperless Online Statement: Electronic/online statement provided through online banking each statement cycle. Clients must select the option to no longer
receive paper account statements through U.S. mail or a $3 monthly fee applies. Online banking is required to access paperless online statements.
Withdrawal Limit Fee: The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or
money market account including those made at a branch, ATM, by mail or through any electronic means.
Savings accounts
No matter what your future goals may be, a Truist savings account encourages you to set aside funds for
future needs. All Truist savings accounts provide standard beneits to help you make the most of your money.
Standard savings account features
• Interest is calculated and compounded daily on the collected balance and credited to your account
monthly. Fees may reduce earnings.
• A monthly statement when there are electronic funds transfers (such as direct deposits or ATM
transactions) or if the savings statement is combined with a checking account statement; otherwise, a
quarterly statement is provided
• Account access through Truist online and mobile banking
• Unlimited automated account inquiry calls to Truist Contact Center (see page 22)
Truist Savings
This is a basic savings account that gives you a safe and easy way to set aside money on a regular basis to
achieve short- or long-term goals. In addition to the standard savings account features listed above, Truist
Savings oers these additional features:
• Can be used as selected overdraft protection account
• Up to six withdrawals per statement cycle without a fee
Truist Savings pricing information:
• The monthly maintenance fee is $5 (waived for a minor under age 18).
• $3 per month paper statement fee. Avoid this fee by switching to free online statements.
• A withdrawal limit fee of $5 per withdrawal over six, with a maximum of six withdrawal limit fees per
statement cycle.
You can avoid the monthly maintenance fee with any of the following:
• Maintain a minimum daily ledger balance of $300 OR
• Schedule one monthly recurring preauthorized internal transfer of $25 or more OR
• Clients with a Truist Dimension Checking, Truist Wealth Checking or Truist Focus Checking are eligible for
one Truist Savings account with no minimum balance requirement and no monthly maintenance fee.
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Monthly Maintenance Fee: Waiver for an account holder under age 18 (minor) requires that the minor is listed as the primary owner. The waiver is applied
automatically at account opening and expires on the 18th birthday of the minor. On the date when the minor turns the age of 18, they are subject to all applicable
fees on this account if they are not meeting the minimum requirements of the account, and the account could be debited the $5 monthly maintenance fee.
Paperless Online Statement: Electronic/online statement provided through online banking each statement cycle. Clients must select the option to no longer
receive paper account statements through U.S. mail or a $3 monthly fee applies. Online banking is required to access paperless online statements.
Withdrawal Limit Fee: The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or
money market account including those made at a branch, ATM, by mail or through any electronic means.
Ledger Balance: This is the actual balance in your account on a specific day, and does not reflect any holds or pending transactions.
Truist Online Savings
Our most popular savings account, available exclusively online. With this account you can enjoy:
• No minimum balance requirement, no monthly maintenance fee, and no minimum opening deposit
• $3 per month paper statement fee. Avoid this fee by switching to free online statements.
• Can be used as selected overdraft protection account
• Up to six withdrawals per statement cycle without a fee
• A withdrawal limit fee of $5 per withdrawal over six, with a maximum of six withdrawal limit fees per
statement cycle.
Paperless Online Statement: Electronic/online statement provided through online banking each statement cycle. Clients must select the option to no longer
receive paper account statements through U.S. mail or a $3 monthly fee applies. Online banking is required to access paperless online statements.
Withdrawal Limit Fee: The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or
money market account including those made at a branch, ATM, by mail or through any electronic means.
Secured Credit Card Savings
The funds in a Secured Credit Card Savings account are used as security for a Truist Secured Credit Card. In
addition to the standard savings account features, Secured Credit Card Savings oers these additional features:
• There is no monthly maintenance fee.
• Withdrawals are not allowed, as the funds must stay in the account as collateral for the Truist Secured
Credit Card.
• If your savings account balance is less than your approved card limit, you have 30 days from the account
opening to make unlimited deposits up to the approved card limit. The minimum deposit for the Secured
Credit Card Savings account is $400.
Health Savings Account
A Health Savings Account (HSA) is an easy, tax-advantaged way to pay for qualiied medical expenses. To qualify
for a Health Savings Account, you must be covered by a high-deductible health plan (HDHP). Enjoy all of these
beneits and tax advantages with your Health Savings Account:
• Unused funds roll over from one year to the next
• The HSA is not tied to an employer; the account stays with you even if you change jobs
• Cash deposits are FDIC insured to the maximum amount permitted by law
• Tiered interest rates
• Truist HSA Beneit Debit Card for eligible HSA transactions
• Check writing allowed
• Exclusive HSA design checks
• Monthly account statements
Tax advantages
• Earnings are tax free when used to pay for qualiied medical expenses.
• Contributions, up to the annual contribution limit, are tax deductible.
• Withdrawals for qualiied medical expenses are tax free.
Consult a tax advisor regarding tax deductibility and eligibility requirements.
15
Health Savings Account pricing information:
• No set-up or transaction fees
• The monthly maintenance fee is $3; $2 in IN, KY, OH.
For more information on Truist Health Savings Accounts, or to determine your eligibility and/or maximum
contribution limit, please visit Truist.com/HSA. Generally, the following criteria need to be met:
• You (and, if you are enrolled in family HDHP coverage, your family members) must not also be covered by
any other health plan other than another HDHP (with certain exceptions).
• You must not be eligible to be claimed as a dependent on another person’s tax return.
• You must not be enrolled in Medicare.
Health Savings Account holders: Please read all disclosures in the enclosed Health Savings Account
Custodial Agreement, Disclosure and Pricing Booklet.
Certiicates of Deposit (CDs)
Truist Certiicates of Deposit (CDs) may provide you with interest rates higher than other accounts. We oer
special CDs designed to help you achieve speciic goals. Please visit Truist.com or your local Truist branch
for additional details about our CD options.
Your current term, rate, accrual method, and early withdrawal penalty routines will remain the same until
your CD matures. Please refer to the enclosed Bank Services Agreement for information on the conditions
that will apply to your CD after renewal.
Standard Certiicate of Deposit features
• After renewal, your interest will be based on your account balance at time of renewal. Interest will be
compounded daily on personal accounts with principal collected balances <$100,000 and simple interest
on personal accounts with principal collected balances =>$100,000.
• Statement available monthly if combined with a checking statement, otherwise no statement is issued
• Provides the maximum FDIC insurance coverage allowed by law
• No monthly maintenance fees; however, early withdrawal penalties may apply
• Varying methods for interest payment, including monthly, quarterly, semi-annually, annually, or at maturity,
by check, transfer to another Truist account, or added to the principal CD balance. Interest must be paid
at least annually.
• Depending on your current interest payment schedule, your interest payment date(s) may reset at the
time of renewal. Please conirm your payment preference at renewal.
• Truist pays interest up to but not including the payment date. Interest for the payment date will appear in
accrued interest and be included in the next interest payment.
• A pre-renewal notice will be mailed at least 10 days prior to renewal on CDs with terms greater than or equal
to 32 days.
• If the CD has a term of 32 days or more, you may change the term of the CD by notice to the Bank during
the 10 calendar day grace period beginning the day after the renewal. Truist allows one change request
during grace. Your account’s grace period will end when a change is made to your CD’s rate or term. If no
change is made, the grace period will end at the conclusion of the 10 days.
• Future dated renewal changes are not available at Truist. Unfortunately, this means that if you had
arranged for a future dated renewal change to your account then you will need to call or visit your nearest
Truist branch to ensure those changes are made.
• If you don’t make any changes during your grace period, your CD will automatically renew with the same
term and with the interest rate in eect for your term and account balance at the time of renewal.
• At renewal, certiicate early withdrawal penalties will revert to the following:
– If term is less than 3 months: all interest that would have been earned on the principal amount
withdrawn for the term of the CD or $25, whichever is greater.
16
– If term is 3-12 months: 3 months of simple interest on principal amount withdrawn or $25, whichever
is greater
– If term is 13-23 months: 6 months of simple interest on principal amount withdrawn or $25, whichever
is greater
– If term is greater than 24 months: 12 months of simple interest on principal amount withdrawn or $25,
whichever is greater
• Truist oers a variety of terms from seven days to 60 months with tiered interest rates based on term and
balance. If your term is greater than 60 months, at renewal the term will become 60 months.
• For single maturity CDs, interest is not earned after the maturity date.
• Simple interest CDs pay interest at maturity for terms less than 12 months. Interest is paid at least annually
for CDs with terms greater than 12 months.
• You can receive a single check for interest payments on up to eight accounts as long as those accounts
pay interest on the same day and share the same name, address and Social Security number.
• Interest cannot be paid by ACH (direct deposit) or by check to another inancial institution.
• Truist CDs are all book entry and therefore actual certiicates are no longer required for redemption.
Personal Fixed Rate Certiicate of Deposit
• Minimum opening deposit for terms of 7-31 days: $2,500
• Minimum opening deposit for terms of 32 days to 60 months: $1,000
• Oers a guaranteed, ixed rate for the term of the CD (terms may vary)
• Flexible terms available, from seven days to 60 months
• During grace period, additional deposits and withdrawals are allowed, as well as changes to your term,
rate, or product type.
Truist Wealth CD
If you’re a Wealth client, your Truist Wealth advisor can open a Wealth CD for you. Or if you’re assigned to a
Wealth advisor, a teammate at any Truist branch can help you.
• Minimum opening deposit for terms of 7-31 days: $2,500
• Minimum opening deposit for terms of 32 days to 60 months: $1,000
• Oers a guaranteed, ixed rate for the term of the CD (terms may vary)
• During grace period, additional deposits and withdrawals are allowed, as well as changes to your term,
rate, or product type.
Individual Retirement Accounts (IRAs)
An IRA can be an important component of your retirement strategy. (Please see your tax advisor concerning
potential tax beneits and eligibility requirements.) Truist oers Traditional IRAs, SEPs and Roth IRAs
designed to help you achieve your retirement goals. Please visit Truist.com or your local Truist branch for
information about IRAs available at Truist.
Your current term, rate, accrual method and early withdrawal penalty routines will remain the same until your
Individual Retirement Account (IRA) matures. Please refer to the enclosed Bank Services Agreement and
Individual Retirement Account Custodial Agreement for important information that will apply to your IRA.
IRAs will be governed by the following agreements:
• Traditional Individual Retirement Account Custodial Agreement
• Roth Individual Retirement Account Custodial Agreement
• Coverdell Education Savings Account Custodial Agreement
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Fixed Rate IRA
Truist oers a variety of terms from 32 days to 60 months with tiered interest rates based on term and
balance. Additional deposits, up to the annual contribution limit, are allowed at any time.
• Interest compounds daily on collected balances and pays monthly on the last day of the month and at
maturity for all IRAs.
• Oers a guaranteed, ixed rate for the term of the IRA (terms may vary)
• A pre-renewal notice will be mailed at least 10 days prior to renewal.
• If the IRA has a term of thirty-two days or more, you may change the term of the IRA by notice to the
Bank during the ten calendar day grace period beginning the day after the renewal. Your account’s grace
period will end when a change is made to your IRA’s rate or term. If no change is made, the grace period
will end at the conclusion of the 10 days.
• If you don’t make any changes during your grace period, your IRA will automatically renew with the same
terms and with the interest rate in eect for your term and account balance at the time of renewal.
• At renewal, IRA early withdrawal penalties will revert to the following:
– If term is less than 3 months: all interest that would have been earned on the principal amount
withdrawn for the term of the IRA
– If term is 3-12 months: 3 months of simple interest on principal amount withdrawn
– If term is 13-23 months: 6 months of simple interest on principal amount withdrawn
– If term is greater than 24 months: 12 months of simple interest on principal amount withdrawn
• If your term is greater than 60 months, at renewal the term will become 60 months.
• Depending on your current interest payment schedule, your interest payment date(s) may reset at the
time of renewal. Please conirm your payment preference at renewal.
• Truist pays interest up to but not including the payment date. Interest for the payment date will appear in
accrued interest and be included in the next interest payment.
• You can receive a single check for interest payments on up to eight accounts as long as those accounts
pay interest on the same day and share the same name, address and social security number.
• Interest cannot be paid by ACH (direct deposit) or by check to another inancial institution.
• Your IRA may be combined with your Truist checking account and included on your monthly statement;
otherwise the statement is semi-annual.
Money Rate Savings IRA
• This is a variable rate account with no maturity date. Interest rates are subject to change at any time at
Truist’s discretion.
• Unlimited withdrawals and transfers (tax penalties may apply; check with your tax advisor)
• Interest compounds daily and credited monthly on the last day of the month. Interest is paid on principal
of deposit until it’s withdrawn.
• Additional deposits are allowed at any time, and may include your annual contribution limit, and/or IRA
transfers and rollovers.
Truist Wealth IRA
If you’re a Wealth client, your Truist Wealth advisor can open a Wealth IRA for you. Or if you’re assigned to a
Wealth advisor, a teammate at any Truist branch can help you.
• Interest compounds daily on collected balances for all IRAs.
• Oers a guaranteed, ixed rate for the term of the IRA (terms may vary)
IRA fees
• Truist charges no annual maintenance fees on IRAs.
• A $50 administration fee is charged for a direct transfer to another institution and applies to all
depositors, even those over 59½ years of age.
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• The following penalties and fees apply to all depositors except those who are over the age of 59½:
– IRA Premature Withdrawal Fee. $10 for each premature withdrawal if the funds are withdrawn prior to
the maturity date of a time deposit. The fee for premature withdrawals is charged in addition to any
forfeiture of interest.
Loans and lines of credit
Truist oers you a full range of personal loans and lines of credit. Based on the outstanding balance of your
Truist loan or line of credit, you could qualify for a Truist custom banking package, oering you checking
and a host of other convenient beneits. Stop by your local Truist branch or visit us online at Truist.com for
more details.
• If you currently have a loan or line of credit, you will receive a Truist statement after February 20, 2022,
followed by monthly statements detailing the activity on your account. Monthly statements are not
generated for any statement cycle in which you have a zero balance and no activity.
• Your loan or line of credit account number is changing. You’ll receive your new account number in a separate
mailing after February 20, 2022. If you have automated payments set up from a deposit account, you’ll
want to update your loan or line account number information to ensure the payment is accurately credited.
– For payments made in Online Banking, the payment will immediately show as “Pending”. Once the
payment has posted overnight, the outstanding balance will be updated.
– If you currently have a coupon book to use for your loan payments, you’ll now receive monthly
statements. The monthly statement will contain a payment stub you can use to submit payment via
mail, and you’ll no longer use your coupon book.
– If you currently have your monthly loan payment automatically drafted from your deposit account,
and the loan has been prepaid with no monthly payment due, the scheduled monthly payment will
not be drafted.
– You will have the ability to set up automatic payments for a lat amount that is larger than the
scheduled monthly payment.
Ways to make your life easier
Truist Debit Card
If you’re an active card user, you should receive a new Visa® branded Truist Debit Card by mid-February 2022.
The MasterCard® beneits associated with your SunTrust MasterCard Debit Card will be discontinued upon
activation of your Truist Visa Debit Card. Go to www.mycardbeneits.com for the description of beneits and
instructions on how to ile a claim if needed.
Simply keep using your current SunTrust MasterCard Debit Card until February 21, 2022. Your new Truist
Debit Card will come with instructions on how and when to activate.
What’s staying the same?
• Your PIN for your new Truist Debit Card will remain the same.
What’s changing?
• Your Truist Debit Card will have a new card number, expiration date, and 3-digit security code.
• Update your recurring transactions, such as gym memberships, utility bills, subscriptions, and where your card
information is stored on ile, etc., with your new card number.
• Any customized spending limits will not transfer to your new card.
• When you visit a Truist ATM, remember to reset your ATM preferences.
• Remember to reset your Card Controls’ preferences on your new card.
19
Once your Truist Debit Card is activated, you can begin using and enjoying all these beneits:
• Zero Liability and Proactive Monitoring
• Contactless Technology – Just tap to pay wherever you see the Contactless Symbol at checkout.
• Customize your card capabilities through Card Controls in online banking, including real-time card on/o,
reducing spending limits, and customizing alerts.
• Add your Truist Debit Card to your mobile wallet to securely pay for purchases at many of your favorite retailers.
• Use Visa Click to Pay for easy, smart, and secure online checkout.
• Truist Deals
Please see the Fee Schedule on page 35 for ATM withdrawal and spending limits, fees, and waivers. And
please review the Electronic Fund Transfer Agreement and Disclosures in the Truist Bank Services Agreement
for other important account information.
Truist provides 100% reimbursement for most unauthorized transactions made with a lost or stolen Truist Debit Card. Please refer to your Electronic Fund
Transfer Agreement and Disclosures in the Truist Bank Services Agreement for complete details.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
 Click to Pay is a service of Visa.®
Delta SkyMiles® Debit Card
Great news, Truist will continue to oer the Delta SkyMiles Debit Card! You will continue to earn miles just
like you do today. Current cardholders please review your enclosed Terms & Conditions for more information
regarding mileage posting date changes and additional program details.
You’ll receive a new Visa® branded Delta SkyMiles Debit Card by mid-February 2022. The MasterCard® beneits
associated with your MasterCard branded Delta SkyMiles Debit Card will be discontinued upon activation
of your new Visa branded Delta SkyMiles Debit Card. Go to www.mycardbeneits.com for the description of
beneits and instructions on how to ile a claim if needed.
Simply keep using your MasterCard branded Delta SkyMiles Debit Card until February 21, 2022. Your new Visa
branded Delta SkyMiles Debit Card will come with instructions on how and when to activate.
What’s staying the same?
• Your PIN for your new Delta SkyMiles Debit Card will remain the same.
What’s changing?
• Your Delta SkyMiles Debit Card will have a new card number, expiration date, and 3-digit security code.
• Update your recurring transactions, such as gym memberships, utility bills, subscriptions, and where your card
information is stored on ile, etc., with your new card number.
• Any customized spending limits will not transfer to your new card.
• When you visit a Truist ATM, remember to reset your ATM preferences.
• Remember to reset your Card Controls’ preferences on your new card.
Once your Truist Debit Card is activated, you can begin using and enjoying all these beneits:
• Zero Liability and Proactive Monitoring
• Contactless Technology – Just tap to pay wherever you see the Contactless Symbol at checkout.
• Customize your card capabilities through Card Controls in online banking, including real-time card on/o,
reducing spending limits, and customizing alerts.
• Add your Delta SkyMiles Debit Card to your mobile wallet to securely pay for purchases at many of your favorite
retailers.
• Use Visa Click to Pay for easy, smart, and secure online checkout.
• Truist Deals
Please see the Fee Schedule on page 35 for ATM withdrawal and spending limits, fees, and waivers. And
please review the Electronic Fund Transfer Agreement and Disclosures in the Truist Bank Services Agreement
for other important account information.
20
Truist provides 100% reimbursement for most unauthorized transactions made with a lost or stolen Truist Debit Card. Please refer to your Electronic Fund
Transfer Agreement and Disclosures in the Truist Bank Services Agreement for complete details.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
 Click to Pay is a service of Visa.®
Truist ATM Card
If you’re an active card user, you should receive a new Truist branded ATM Card by mid-February 2022.
Please keep using your SunTrust ATM card until February 21, 2022. For information on ATM withdrawal and
PIN point of sale limits, please see the Fee Schedule on page 35.
Truist ATMs
Continue to use your current debit or ATM card at ATMs. As a Truist client, you’ll have the convenience of
using our network of over 3,000 ATMs.
• Continue to use SunTrust ATMs as you do today.
• Use any BB&T ATM to make cash withdrawals, balance inquiries, or account transfers.
• As you are able to today, you can withdraw cash at most non-SunTrust or non-BB&T ATMs. (Other service
fees may apply.)
• Starting February 22, 2022: Use any SunTrust or BB&T ATM to make cash withdrawals, deposits, balance
inquiries, transfers, and PIN changes.
• Printed ATM statements will no longer be available at Truist ATMs. You can always access your account
information via online banking and with the Truist Mobile app.
Truist Deals
SunTrust Deals is now Truist Deals. You’ll continue to earn cash back by making purchases with your eligible debit
and/or credit cards at select retailers. There’s no fee for participating and no need to re-enroll. Just click on oers
you like in online or mobile banking and shop using an eligible card any time prior to the oer expiration. Earned
cash back is automatically deposited to your designated account the following month. Please note the following:
• Oers may not be available for several weeks and oers may change at any time.
• Your SunTrust Deals lifetime cash back earnings balance will display in Truist Deals. Your previous
redemption history will no longer be available.
• Truist Deals cash back is deposited to your designated account once per month.
• If we're unable to process your rewards (e.g., your designated account is closed), contact us to request
your reward.
Truist credit card
You can continue to use your SunTrust credit card. The terms and conditions of your card will remain
unchanged. We’ll send you a new Truist credit card at a later date. If you need a replacement card for any
reason, order online, stop by any Truist branch, or give us a call. Please see the phone numbers listed in the
Truist Contact Center section on page 22. Your new card will feature contactless technology—just hold the
card near the payment terminal, which will pick up a signal embedded in your card. Payments are made
instantly and safely. Please note the following changes:
• Recurring Autopay payments scheduled at the branch or through digital channels are changing to
minimum amount due or total balance; ixed payment amounts are no longer an available option through
these channels. Fixed Autopay payment amounts can be scheduled through the Contact Center. Any
existing ixed Autopay payment amounts will remain in eect.
• If your credit card is linked as overdraft protection for a SunTrust deposit account, when that deposit
account becomes a Truist deposit account and overdraft protection is engaged, the transfer amount that
will be advanced to the deposit account will change. Truist will no longer advance funds for overdraft
protection transfers in $100 increments; instead, the transfer amount will be equal to the exact dollar
amount needed to cover the overdraft transaction.
21
Credit Card Rewards
As a Credit Card Rewards client, you’ll continue to earn rewards as you do today, which can be redeemed
for cash back, gift cards, merchandise, and more. And if you have a Truist deposit account, you’ll be able to
redeem cash back into that account beginning February 20, 2022.
If you redeem Cash Rewards through an ACH deposit into an eligible Truist checking, savings or money
market account, you can earn elevated rewards in the form of a Loyalty Cash Bonus based on your deposit
relationship(s) at Truist. For the purposes of this Loyalty Cash Bonus, your deposit relationship will be
determined as of the last day of the month preceding redemption. However, we reserve the right to take up to
ive (5) business days to determine or update your deposit relationship for each monthly review. The eligible
Loyalty Cash Bonus percentage will be adjusted accordingly and will persist until we have completed the
next monthly review. If you completed a cash redemption prior to the next monthly review date, we will not
retroactively review your Loyalty Cash Bonus percentage. Your eligible Loyalty Cash Bonus percentage may
increase monthly but decrease only once every three (3) calendar months.
Truist Online and Mobile Banking
Banking digitally keeps you safe and secure. Now you can cut the paper—not the trees—and enjoy all the
banking beneits you need and want. View your accounts and transactions, transfer money, make payments,
deposit checks, and so much more.
• Pay all your bills from one secure site with one password. Receive electronic versions of your bills online
instead of in your mailbox.
• Transfer funds between your Truist accounts, or to and from your accounts at other inancial institutions.
Fees may apply for external transfers.
• Deposit checks using your mobile device
• Send, receive, and request money with Zelle®
• View your credit score and monitor your credit proile
• Manage transaction controls for your Truist cards
• Capture purchase receipts and keep them for up to 24 months
• Activate merchants’ oers for Truist Deals
• Manage and redeem your Credit Card Rewards
• Receive account activity alerts via email, text message, or push notiications
• Order checks via online banking and via your mobile device
Your existing SunTrust Online Banking Agreement and Initial Disclosures remain in eect until February 20,
2022. After this date, you must review and accept the Truist Online & Mobile Banking Agreement before you
can sign in to digital banking.
Zelle®
Zelle is the quick and easy way to send or receive money without checks, without handling cash. All you need
is an email address or a mobile phone number and you can send or receive funds from friends and family,
regardless of where they bank.
• You can list up to three emails and two mobile numbers in your Zelle account.
• You can send funds from your Truist savings account. Remember, a fee is charged for more than six
savings or money market transactions per month.
• If you have Overdraft Protection on the account you’re sending money from, future dated and recurring
transactions will be covered if the payment amount exceeds the available balance and there are funds in
your designated Overdraft Protection account to cover the overage.
• Transaction history will be limited to 6 months.
• The split payment functionality is being removed, meaning you’ll no longer be able to automatically
split expenses between recipients. You can collect the amount from each recipient using the “Request”
function.
We’ll keep you updated on additional changes to Zelle along the way as we work to enhance your experience.
22
Zelle Limit Information:
• Zelle Consumer send limits: $2,000 per day, $10,000 per rolling 30-day period
Alerts
We encourage you to sign in to online banking at Truist.com to verify existing alert settings or sign up for
account alerts. Provide up to three current email addresses and up to two mobile numbers, and you can
receive security alerts, including notiication of password change and bill payments as well as account balance,
transaction, credit card alerts, and more. Most email alerts will be sent from alertnoti[email protected].com.
Please add it to your list of trusted email addresses.
• Text messages will be sent from new Truist Short Codes for Servicing (TRUIST: 878478), Fraud (TRUACT:
878228), and Deals (TRU411: 878411).
• Alerts from Truist are available for checking, savings, mortgage, loan, debit and credit card accounts. You
can receive email and text message notiications of your account balances and transactions, online proile
changes, statement availability, bill payment, debit card controls, Truist Deals new and expiring oers,
credit card transactions and many others.
• Sign in to online banking, visit your proile and select Alerts to verify your Alert settings. You must opt in
to receive Servicing and Deals text messages. Fraud text messages notifying you of suspicious account
activity will be sent to any mobile phone number you provide.
Truist Contact Center
Truist Contact Center provides automated access to account information and other banking services 24 hours
a day, seven days a week. You can check balances, obtain deposit and loan account information, transfer funds
between linked accounts, initiate a stop payment, activate your Truist debit or credit card, report a lost or stolen
card, obtain tax information and more. In addition, you can receive personal assistance from our client service
representatives during normal business hours.
You may access Truist Contact Center beginning Monday, February 21, 2022. Simply dial 844-4TRUIST
(844-487-8478) and follow the voice prompts to guide you through our easy-to-use, speech-based system.
Until then, continue to use the phone numbers you always have to reach us. If you need to speak with a Truist
teammate before February 21, please call 800-786-8787.
Important information
Arbitration, Jury Trial Waiver & Litigation Class Action Waiver
The Bank Services Agreement (“BSA”) referred to throughout this agreement governing Truist deposit accounts
contains separate Arbitration, Jury Trial Waiver and Litigation Class Action Waiver provisions which govern how
disputes and claims between you and Truist are resolved. Similar provisions are also included within the credit
card agreement applicable to your account. Please carefully review these provisions included within your credit
card account agreement and in the enclosed Bank Services Agreement.
Direct Deposits and Automatic Drafts
Your checking, savings, and money market account number(s) and routing number won’t change. This means
that if you currently receive direct deposits or automatic drafts (ACH transactions), Truist will continue to
accept transactions that have valid information from your SunTrust account(s).
Direct deposit allows you to have your paycheck, Social Security, pension or almost any other type of regular
payment deposited automatically into your Truist checking or savings account. To enroll in direct deposit, visit
online banking or your Truist branch.
Truist Overdraft Protection
It can happen to all of us—you thought your checking or money market account balance was higher, and you used
your debit card or ATM card for more than your account balance. It’s easy to avoid the hassles and some of the costs
of an overdraft. Simply designate any of the following Truist accounts as your source of Overdraft Protection:
23
• Savings account
• Another checking account
• Money Market account
• Credit card
• Personal Line of Credit
• Truist Ready Now Credit Line
• Home Equity Line of Credit
• Wealth/Premier Secured Line of Credit
• Wealth/Premier Personal Line of Credit
• If you’re using a Truist credit card or other Truist loan or line of credit as your protector account, additional
fees may be charged for using that account. Be sure to review your credit card or loan agreement before
selecting a loan account as your protector account.
• If your credit card is linked as overdraft protection, advances for overdraft protection will no longer be
transferred in $100 increments; instead, Truist will transfer the exact dollar amount needed to cover the
overdraft transaction(s).
• Your current Overdraft Protection election will continue with your new Truist account.
• If you have both Overdraft Protection and Overdraft Coverage, Truist will use your Overdraft Protection irst. If
you have neither, everyday debit card and ATM transactions that exceed your account balance will be declined.
• Additional information is available at Truist.com/thefacts.
• Truist may charge a $12.50 transfer fee, per linked protected account, each day an automatic transfer is
required. There’s no fee for transfers less than $5. You can avoid a fee if you transfer or deposit funds (and
no hold is placed on the deposit) to cover the overdraft transaction(s) by the daily cuto time, on the
same business day.
Subject to credit approval.
Home Equity Lines of Credit are not eligible for Overdraft Protection in Texas.
Truist Overdraft Coverage
Please review the Truist Overdraft Decision Notice on page 37 for information about our Overdraft Coverage service.
Overdraft Coverage allows Truist, at its discretion, to authorize and pay transactions on ATM and everyday
debit card purchases (also known as one-time debit card transactions) when you don’t have enough money in
your account. You have the right to decide if you want to participate (opt in), or not to participate (opt out), in
Overdraft Coverage. Your decision to opt in or opt out of Overdraft Coverage will be eective the next business
day. Truist pays overdrafts at its discretion, which means that we do not guarantee that we will always authorize
and pay any type of transaction. If we don’t authorize and pay an overdraft, your transaction will be declined or
returned. Under Truist’s Overdraft Coverage service:
• Truist may charge you an overdraft fee of $36 each time we pay an overdraft on your behalf.
• Truist may charge you a Negative Account Balance fee of $36 if your account balance remains negative
for seven consecutive calendar days.
• Truist limits the total number of combined overdraft and returned item fees to six per day.
• Truist will waive overdraft/returned item fees for transactions that are less than $5.
• You can avoid a fee if you transfer or deposit funds (and no hold is placed on the deposit) to cover the
overdraft transaction(s) by the daily cuto time, on the same business day.
• Please use one of the channels listed on the Overdraft Decision Notice if you would like to change your
Overdraft Coverage decision.
• If you have both Overdraft Protection and Overdraft Coverage, Truist will use your Overdraft Protection
irst. If you have neither, everyday debit card and ATM transactions that exceed your account balance will be
declined.
• Additional information is available at Truist.com/thefacts.
24
How we process your deposits and withdrawals
The ways Truist posts transactions to your account are described in the enclosed Bank Services Agreement under
the Withdrawals and Debits section. Below is a description of the usual order for the most common transactions
that post to an account during nightly processing.
Transactions are processed at the end of each banking day (Monday through Friday except federal holidays) during
what is known as nightly processing. Once your transactions are processed, the results are posted to your account.
Truist will post items to your account based on your available balance which can be impacted by pending
transactions, such as debit card transactions that we have authorized but not yet paid. Once the available balance
is determined, prior day credits and debits will post before current day credits and debits. Once prior day credits
and debits are determined, transactions will be sorted into groups and prioritized by Group (items in Group
1 would post before items in Group 2 and items in Group 2 would post before items in Group 3, etc.). Within
each group, items will be posted by time authorized (e.g., when you got gas with your debit card), performed
(e.g., when you took money out at the ATM), received (e.g., when your gym debited your monthly membership
fee) or processed by the bank. When items are received at the same time, we will post those in "low to high,“
or ascending, dollar amount order. Items sent by merchants for authorization prior to being submitted for inal
payment will post according to the date and the time of the authorization request.
Group Priority Order Description
1 (+) Deposits and Credits will be posted to your account irst. This includes cash and
check deposits and incoming transfers, received before the cuto time at the location
the deposit or transfer was made.
2 (-) Bank-initiated transactions such as corrections and Deposited Item Returned Checks
3 (-) Client-initiated withdrawals and debits such as debit card purchases, ATM
withdrawals, account transfers, and teller-cashed checks. If we receive more than one
of these transactions for payment from your account, we will generally sort and pay
them based on the date and time you made the transactions.
4 (-) Client-initiated withdrawals and debits such as ACH (automated payments) for
bills you pay by authorizing a third party to withdraw funds directly from your account.
If there is more than one of these types of transactions, they will be sorted by the date
and time that they are received. Multiple transactions that have the same time will be
sorted and paid from lowest to highest serial number.
5 (-) Client-initiated Checks will be posted and sorted in sequential order.
6 (-) Bank Fees such as monthly maintenance fees will post to your account last. Please
note that some fees will be posted to your account at the time they are incurred and
others, like maintenance fees, will post last.
Funds Availability Policy
(When your deposits will be made available)
Our general policy is to make funds from your deposit available to you on the irst business day after the business day
we received your deposit. As a courtesy, some funds from your deposit may be available sooner, as outlined below:
• For each deposit received in a branch, all cash deposits and the irst $100 of your check deposits will be
immediately available.
• At Truist ATMs, all cash and the irst $100 of your total check deposits made before 9 pm will be
immediately available. For check deposits made between 9 pm and 9:30 pm ET at the ATM, the $100 credit
will not be immediately available.
• Funds from an electronic direct deposit will be available on the day we receive settlement for the deposit.
• Funds from Mobile Check deposits are available the next business day if made by 9 pm ET.
To see the entire Funds Availability policy, please refer to the enclosed Bank Services Agreement.
25
Deposit Statements
You should receive your last SunTrust statement(s) in February 2022, and your irst Truist statement(s) will be mailed
during your next scheduled statement cycle after February 20, 2022. We may automatically combine your BB&T
and SunTrust checking, savings, and overdraft protection account information into one statement. However,
if you already have combined statements, they may not be combined after the conversion of your accounts in
February. To request your combined statement(s), please visit your Truist branch after February 22, 2022.
Online Statements
If you receive SunTrust statements electronically you can continue to sign in to online banking to access your
statements. PLEASE NOTE: If you have already elected to receive electronic statements, this will continue with
Truist. This also means that you’ll receive electronic notices related to overdrafts or insuicient funds. If you
currently receive your statements through U.S. mail, you will continue to receive them by mail unless you set
online-only delivery for your statements from online banking at Truist.
To turn o mailed statements for Truist, sign into Truist online banking and change your statement delivery
options. You can set email or text alerts to notify you when your statement and other account communications
are available online.
Image Statements
Truist oers the option to receive images of checks and other debit items in monthly statements; however,
images of deposit tickets or other credits are not provided. Check images with statement displays front
and back, ive per page. Enhanced Check Images with statement displays front and back, three per page.
Additional fees may apply for image statements. Please see the Fee Schedule on page 32. Check images and
deposit tickets are available free of charge through online banking.
Checks
Your bank routing number and personal account numbers are not changing, so you can continue to use your
current SunTrust checks and deposit slips as you normally would until you run out. Whenever you need to
order new checks you can do so at Truist.com or at any Truist branch. Your new checks will have the Truist
name and logo, using the same routing and account numbers.
FDIC Insurance
Your deposits at Truist will continue to be insured by the FDIC up to the maximum amount allowed by law.
Any deposits you held separately at SunTrust and at BB&T, prior to the merger date of December 6, 2019, were
insured separately for a period of six months from the merger date. Any deposit made to any account you
opened on December 6, 2019, or thereafter, in either a SunTrust location or a BB&T location, is a Truist deposit
for FDIC insurance purposes.
Certiicates of Deposit are insured separately for six months from the merger date or until maturity, whichever
is later. In addition, if you have a Certiicate of Deposit that is renewed for the same term and amount during
this six-month transition period, the Certiicate of Deposit will continue to be insured separately until the next
renewal date.
After the six-month transition period, your deposits at SunTrust and at BB&T were added together for the
purpose of determining the amount of your FDIC coverage. Your total deposits at Truist that are in the same
ownership rights and capacity will be insured up to $250,000. If you have more than $250,000 in total
deposits at the combined banks, you may call the FDIC directly at 877-275-3342 for more information on how
your funds may be insured at Truist.
26
Other services
Truist Safe Deposit Box
If you currently have a SunTrust safe deposit box, it will become a Truist safe deposit box. All terms and
conditions set forth in your Safe Deposit Box Lease Agreement will continue to apply. Truist will provide an
annual safe deposit box billing notice or pre-note which discloses the rental price. If your current safe deposit
box rent is automatically deducted from your checking or savings account, that arrangement will continue.
Please note that your annual rental price with Truist may change at the time of renewal. Contact your local
branch for additional information about safe deposit box price changes.
Please keep this information with your Truist documents.
Wire Transfers
You can continue to receive incoming wires with either bank’s routing and transit number. Outgoing wires can
be initiated up until 6 pm ET. Please refer to the Fee Schedule for the pricing information on wire fees.
Truist Ready Now Credit Line
Protect your accounts from overdrafts (up to your available credit limit), with Truist Ready Now Credit Line.
• Lines of credit from $300 to $7,500
• Flexible payment options
For additional information concerning rates and fees, please call or visit your local Truist branch.
Subject to credit approval.
27
28
Personal checking accounts
Direct Deposit: A qualifying Direct Deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account
to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
Ledger Balance: The actual balance in your account on a speciic day, and does not relect any holds or pending transactions.
Paperless Online Statement: Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account
statements through U.S. mail or a $3 monthly fee applies. Online Banking is required to access Paperless Online Statements.
Total Combined Balance: The sum of all balances within the Truist personal deposit accounts (checking, savings, money market or CDs), IRAs or brokerage accounts introduced through
Truist Investment Services, Inc.
Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.
Related Truist Personal Credit Card, Mortgage or Consumer Loan: The following accounts will qualify to waive the monthly maintenance fee: a Truist personal credit card, personal
mortgage or a consumer loan (including LightStream®).
Linked Small Business Checking Account: Eligible Small Business account types to be linked include: Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and
Business Value 200.
Truist Dimension Checking Tiers: The highest average monthly ledger balance of the three most previous months is used to determine the tier. For balances less than $25,000 (Tier 1) -
clients will receive irst order of checks at no charge; for balances $25,000 to $99,999.99 (Tier 2) - clients will receive irst order of checks at no charge and 50% reorder discount; for
balances over $100,000 (Tier 3) - clients will receive irst order of checks at no charge and no-fee on reorders. All Truist Dimension Checking accounts will receive a $25 Safe Deposit Box
rental discount.
 Delta SkyMiles® Debit Card Annual Fee: See the Delta SkyMiles® Debit Card Annual Fee section on Page 35 for more details.
Truist Bright Checking Truist Dimension Checking Truist Fundamental Checking
Minimum opening deposit $50 $50 $50
Monthly maintenance fee $12 $20 $5 ($3 in NJ)
Avoiding the monthly
maintenance fee
Make $500 or more in total
qualifying direct deposits per
statement cycle OR
maintain an average ledger
balance of $1,500 per
statement cycle
Make $3,000 or more in total
qualifying direct deposits per
statement cycle OR
maintain a total combined monthly
average ledger balance
,
of
$10,000 or more in Truist-related
accounts across personal deposits
and all investments per statement
cycle OR
have a related Truist personal
credit card, personal mortgage or
consumer loanOR
have a linked Small Business
Checking account
Not applicable
Paper statement fee $3
No charge with paperless
online statement
Not applicable $3
No charge with paperless online
statement
Interest calculation Not applicable Interest is calculated and
compounded daily on the collected
balance and credited to your
account monthly. Fees may reduce
earnings.
Not applicable
Additional information Not applicable Truist Dimension Checking is
a multi-tiered based solution.
Dimension Checking also oers the
Delta SkyMiles® Debit Card. Annual
Fee May Apply.
Relationship Pricing: Avoid the
monthly maintenance fee by
adding up to four Truist Bright
Checking account(s) and a personal
Truist Savings account as related
accounts to a Truist Dimension
Checking. The monthly maintenance
fee waiver and any other associated
beneits can take up to one business
day to take eect.
Not applicable
Personal Deposit Accounts Fee Schedule
Effective February 20, 2022
29
Personal checking accountscontinued
Direct Deposit: A qualifying Direct Deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account
to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
Ledger Balance: The actual balance in your account on a speciic day, and does not relect any holds or pending transactions.
Total Combined Balance: The sum of all balances within Truist personal deposit accounts (checking, savings, money market or CDs), IRAs or brokerage accounts introduced through
Truist Investment Services, Inc. and relected on the last day of the statement cycle.
Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.
Truist Focus Checking: Clients will receive a 3x5 safe deposit box at no charge or a $40 discount on a larger box (subject to availability). Clients will also receive the irst order of exclusive
design checks at no charge or a 50% discount on any other personal check design.
Student Checking: Upon 24th birthday or upon reaching the graduation date provided to the bank, whichever occurs later, the account will be converted to Truist Bright Checking or
Truist Fundamental Checking based on a review of account activity and balances for the three-month period prior to conversion.
Paperless Online Statement: Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account
statements through U.S. mail or a $3 monthly fee applies. Online Banking is required to access paperless online statements.
Truist Focus Checking Truist Student Checking
Minimum opening deposit $50 $0
Monthly maintenance fee $15 None
Avoiding the monthly maintenance fee Make $750 or more in total qualifying direct
deposits per statement cycle OR
maintain an average ledger balance of $1,000
or more per statement cycle OR
maintain a total combined balance of $15,000
or more in Truist related accounts across
personal deposits and all investments per
statement cycle OR
have a related Truist personal mortgage of
$150,000+ aggregate (original loan amount)
Client must be 23 years old or younger
Paper statement fee Not applicable $3
No charge with paperless online statement
Additional information Truist Focus Checking is designed for
employees and/or associates of companies
that are engaged with Truist’s Financial
Wellness with various ways to avoid a monthly
maintenance fee. Relationship Pricing:
Avoid the monthly maintenance fee for
up to one Truist Bright Checking account
and a Truist Personal Savings account by
adding the account(s) as related accounts
to a Truist Focus Checking account. The
monthly maintenance fee waiver and any
other associated beneits can take up to one
business day to take eect.
Any individual is qualiied as a student if
they are currently attending a high school,
college/university or technical/trade
school.
30
Truist Wealth accounts
Truist Wealth Checking
Truist Asset Management
Account (AMA)
Truist Wealth Money
Market Account
Minimum opening deposit $100 $25,000 - Includes cash, check,
securities and/or Truist deposit
account balances
$25,000
Monthly maintenance fee
$50 (Annual Fee) – will be charged
3 months after account opening
and each year thereafter on the
service charge anniversary date
$30 $25
Avoiding the monthly
maintenance fee
Maintain a minimum daily ledger
balance of $25,000 in your Truist
Wealth Checking or your Truist
Wealth Money Market account OR
$100,000 or more in the sum
of all current balances from
Truist related accounts across
personal deposits, all personal
investments, Trust, personal
mortgage, consumer loan/lines
(excluding LightStream® loans),
personal credit card or Truist
Ready Now Credit Line accounts
Maintain a total combined
balance of $50,000 or more
in Truist related accounts
across personal deposits and all
investments OR
$100,000 or more in Truist
related accounts across personal
deposits, all investments and/or
consumer credit card or loan/line
balances (excludes mortgage and
LightStream® loans)
Maintain a minimum daily
ledger balance of $25,000 or
more
Interest calculation Interest is calculated and compounded daily on the collected balance and credited to your account
monthly. Fees may reduce earnings.
Withdrawal limit fee Not applicable Not applicable $15 per withdrawal over six with
a maximum of six withdrawal
limit fees per statement cycle
Additional information Truist Wealth Checking is available
to clients with $1,000,000 or
more in all investments with Truist
and opened primarily by a Wealth
advisor. Truist Wealth Checking
oers the Wealth Debit Card or
Delta SkyMiles® Debit Card (Annual
Fee May Apply). Choose any
personal check design at no charge.
Truist AMA combines the ease
and convenience of a checking
account with the investment
opportunities of a full-service
brokerage account. Truist AMA
oers the AMA Debit or Delta
SkyMiles® Debit Card (Annual Fee
May Apply). Choose any personal
check design at no charge.
Truist Wealth Money Market
account is a savings option
available to clients with
$1,000,000 or more in all
investments with Truist and
opened primarily by a Wealth
advisor. Truist Wealth Money
Market oers checks at no
charge.
Brokerage commission
and fee investment and insurance
products
Refer to your Truist Investment Services, Inc. Commission and Fee Schedule for commissions and fees
that may apply.
Investment and Insurance Products: Are Not FDIC or Any Other Government Agency Insured • Are Not
Bank Guaranteed • May Lose Value
Services oered by the following ailiates of Truist Financial Corporation: Banking products and
services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and
Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are
provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust
Delaware Trust Company. Securities, brokerage accounts and/or insurance (including annuities) are
oered by Truist Investment Services, Inc. (d/b/a SunTrust Investment Services, Inc.), and P.J. Robb
Variable Corp., which are each SEC registered broker-dealers, members FINRA, SIPC, and a licensed
insurance agency where applicable. Life insurance products are oered through Truist Life Insurance
Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly owned
subsidiary of Truist Insurance Holdings, Inc. Investment advisory services are oered by Truist Advisory
Services, Inc. (d/b/a SunTrust Advisory Services, Inc.), GFO Advisory Services, LLC, Sterling Capital
Management, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling
Capital Funds are advised by Sterling Capital Management, LLC.
Truist Wealth Checking: If linked to an eligible Truist Investment Services, Inc. brokerage account the Truist Asset Management Account pricing will apply. If the linked brokerage account
relationship is removed, then the account will revert back to the standard Truist Wealth Checking pricing.
Ledger Balance: The actual balance in your account on a speciic day, and does not relect any holds or pending transactions.
Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.
Investments: For Truist Wealth Checking and Truist AMA, investments include assets held in a traditional brokerage account, fee-based assets under management, annuities and IRAs.
Trust Balances: Balances that are held in the Truist Trust Department or Truist Advisory Services, Inc., an SEC registered investment adviser, provides discretionary asset management
services to the client in a iduciary capacity.
 Delta SkyMiles® Debit Card Annual Fee: See the Delta SkyMiles® Debit Card Annual Fee section on Page 35 for more details.
Total Combined Balance: The sum of all balances within the Truist personal deposit accounts (checking, savings, money market or CDs), IRAs or consumer brokerage accounts introduced
through Truist Investment Services, Inc. and relected on the last day of the statement cycle.
Withdrawal Limit Fee: The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or money market account
including those made at a branch, ATM, by mail or through any electronic means.
31
Truist Online Savings Truist Savings Truist Money Market
Account
Minimum opening deposit $0 $25 $100
Monthly maintenance fee None $5
(Waived for a minor under age 18)
$12
Avoiding the monthly
maintenance fee
Not applicable Maintain a minimum daily
ledger balance of $300 OR
schedule one monthly recurring
preauthorized internal transfer
of $25 or more OR
have a related Truist Wealth,
Dimension, Focus or Student
Checking account (for one
Truist Savings account with no
monthly maintenance fee)
Maintain a minimum daily ledger
balance of $1,000 or more
Paper statement fee $3
No charge with paperless online statement
Withdrawal limit fee $5 per withdrawal over six with a maximum of six withdrawal limit
fees per statement cycle
$15 per withdrawal over six with
a maximum of six withdrawal
limit fees per statement cycle
Interest calculation Interest is calculated and compounded daily on the collected balance and credited to your account
monthly. Fees may reduce earnings.
Additional information Truist Online Savings is only
available to digital or online
clients.
Truist Money Market Account is
not intended to be set up as a
minor account.
Personal savings accounts and personal money market
Safe Deposit Box
Minimum Opening Deposit: Must maintain a balance of $0.01 to avoid account closure and to obtain the required interest rate and Annual Percentage Yield (APY) as described in the APY
Disclosure.
Paperless Online Statement: Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account
statements through U.S. mail or a $3 monthly fee applies. Online Banking is required to access paperless online statements.
Withdrawal Limit Fee: The withdrawal limit fee applies, regardless of the balance, to all withdrawals and transfers made from a Truist personal savings and/or money market account
including those made at a branch, ATM, by mail or through any electronic means.
Monthly Maintenance Fee: Waiver for an account holder under age 18 (minor) requires that the Minor is listed as the primary owner. The waiver is applied automatically at account opening
and expires on the 18th birthdate of the minor. On the date when the minor turns the age of 18, they are subject to all applicable fees on the account if they are not meeting the minimum
requirements of the account and could be assessed the $5 monthly maintenance fee.
Ledger Balance: The actual balance in your account on a speciic day, and does not relect any holds or pending transactions.
Related Accounts: Accounts are automatically related based on the primary and secondary owners of the account.
Late fee $10
Lost key fee $25 per key
Drill fee $150 per box
32
Statement fees
Paper statement fee $3 per statement cycle
Check images with statement
Enhanced check images with statement
$4 per statement cycle (ive (5) front and back images per page)
$5 per statement cycle (three (3) larger images per page)
Overdraft fees
Overdraft (OD)/Returned Item Fee
Truist will limit total overdraft and returned item fees to six per day.
Truist will waive overdraft/returned item fees on transactions that
are less than $5.
Negative Account Balance Fee
$36 per item
$36
Overdraft Protection
Overdraft Protection Transfer (maximum one fee charged per day per linked protected account)
• For all accounts linked to a checking, savings, money market account, credit card or line of credit,
the amount transferred is the exact amount of the overdraft plus the Overdraft Protection Transfer fee
(based on balance availability).
• For accounts linked to a line of credit or credit card, funds advanced for Overdraft Protection are
subject to fees and inance charges under your line of credit or credit card agreement, in addition to
the Overdraft Protection Transfer fee. Please see your agreement for more information.
• Two Overdraft Protection Transfers at no charge for Truist Focus Checking per statement cycle and
the fee is then discounted to $9 (instead of the $12.50) per transfer during the same statement cycle.
• Dimension Select (Tier 2) receives one no-fee overdraft transfer per statement cycle. Dimension
Premier (Tier 3), Truist Wealth Checking and Truist AMA receive unlimited no-fee overdraft transfers.
$12.50 transfer fee (charged to
the protected account)
Other account-related fees Returned deposited item / cashed item fee
Stop payment fee $35 each Domestic item $12.50 per item
Screen print statement fee $5 per statement International item $30 per item plus foreign bank
fees
Closed account processing Special mail handling
Charged-o account fee $30
Hold mail (branch pickup) $5 per month
Returned mail (undeliverable mail) $5 per occurrence
International mail $5 per month
Check Images and Enhanced Check Images with Statement: This fee will be waived for Truist Wealth Checking and Asset Management Accounts.
Overdraft (OD)/Returned Item Fee: This fee applies to overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means. Truist Wealth Checking and Truist
Wealth Money Market accounts are not charged. One Overdraft/Returned Item will be waived per month for Truist Asset Management Accounts.
Negative Account Balance Fee: This fee will be imposed one time when your posted (ledger) account balance remains overdrawn for seven consecutive calendar days. Truist starts
counting on the day your posted (ledger) balance becomes negative. If the 7th calendar day falls on any non-bank processing day, the fee will be charged on the next posting day. For
clients that decline Overdraft Coverage, this fee can still be charged, but excludes ATM and everyday debit card transactions. Truist Wealth Checking and Truist Wealth Money Market
accounts are not charged.
 Stop Payment Fee: There is no stop payment fee for Truist Wealth Checking accounts.
Miscellaneous services and fees
Deposit services
33
Photocopy
Account research services $25 per hour
Duplicate statement fee $5 per copy
Interim statement $5 per copy
Check copy fee $5 per copy
Bonds
Returned bond / coupons $35 per envelope
Bond redemption $20
Coupon collection $10
Domestic collections
Outgoing collections $25
Check collection $25
Returned item $22 per item plus $25 courier fee
International collections
Foreign check collection $75 per item plus foreign bank fees
Foreign check returned item $30 per item plus foreign bank fees
Tracers/Telex inquiries $20 per inquiry
Veriication
Account veriication fees $30 standard processing
Miscellaneous services and feescontinued
Research services
Truist money services
 No charge for Account Research Services and Account Veriication for Truist Wealth Checking accounts.
Fee is charged for each statement or copy of individual items requested such as a check or deposit slip. No charge for Truist Dimension Checking, Truist Wealth or Truist Wealth
Money Market accounts.
Outgoing Collections: There is no charge on bonds, oil and gas leases or dealer drafts.
 Check collection items are charged the $25 courier fee when the bank is required to mail via FedEx, or the item exceeds $100,000.
Loose coin deposit fees
In select regions and branches, Truist oers coin counting machines. The fee for this service is 5 – 10% of the total based on the region/branch.
Check cashing
Truist will assess an $8 fee ($0 for NJ) for cashing a Truist check for any non-Truist client or Truist client without a checking, savings or money
market account. This fee will not be assessed if the face value of the check is $50 or less. Truist Premier Banking and Truist Wealth clients are
excluded from this fee. Truist will not cash non-Truist checks from non-clients unless the check is on check cashing agreement list.
34
Incoming/Outgoing
Incoming domestic $15 per transfer
Incoming international
,
$20 per transfer
Outgoing domestic $30 per transfer
Outgoing international $65 per transfer
Funds transfer $5 per transfer
Wire transfer notiication
Mail (hard copy conirmation) $7
Wire repair $10
Wire investigations $25
Miscellaneous services and feescontinued
Wire transfer services
Miscellaneous services
Incoming Domestic and International Wires: No fee for incoming domestic and incoming international wires for Truist Wealth Checking, Truist Wealth Money Market Account, Truist Asset
Management Account and Truist Dimension Checking accounts; one fee waiver for Truist Student Checking for incoming domestic or international wires per calendar month. However,
intermediary inancial institutions may deduct fees from incoming international wires, reducing the amount of proceeds credited to your account. Fees may vary. For more information
about these fees, please contact us at 844-487-8478.
Incoming International Wires: Intermediary inancial institutions may deduct additional fees from incoming international wires, reducing the amount of proceeds credited to your
account. Fees may vary. For more information about these fees, please contact us at 844-487-8478.
Outgoing Domestic and International Wires: No fee for outgoing domestic and outgoing international wires for Truist Wealth Checking and Truist Wealth Money Market accounts.
Note: If transactions are in a currency other than U.S. dollars, the exchange rate for the transaction currency used by Truist for processing such foreign transactions is either (a) a rate
selected by Truist from the range of rates available in wholesale currency markets for the applicable transaction processing date, which may vary from the rate Truist itself receives or (b)
the government mandated rate in eect for the applicable transaction processing date, increased by up to three percent (3%). If a credit is subsequently given for a transaction, it will be
decreased by up to three percent (3%). If the credit has a dierent transaction processing date, then the exchange rate of the credit can be greater/less than that of the original transaction.
The currency conversion rate on the day before the transaction processing date may dier from the rate in eect at the time of the transaction or on the date the transaction is posted on
the account. The converted amount shall be provided in U.S. dollars for deposit in your Truist account.
Oicial check $10 per item
Money order $5 per item
International bank draft $30 per item
Temporary checks (for select branches) $4 for four checks (a minimum of four checks is required)
Legal process (IRS levy, state levy or writ of garnishment)
$125 per notice (or maximum amount allowed under the law,
whichever is less)
Oicial checks and Money Order: There is no charge for Truist Focus, Truist Dimension, Truist Wealth Checking Accounts and Health Savings Accounts. Truist Asset Management
accounts are entitled to a one no-fee oicial check or money order per month.
35
Withdrawal, balance inquiry or transfer No fee when using a Truist ATM
Replacement card – rush fee
$30 (temporary cards cannot be rushed); there is no charge for the
replacement card that is sent via regular mail
Electronic banking services
Truist Debit Card and Automated Teller Machines ATM fees
Truist Debit Card and Automated Teller Machines (ATM) additional information
ATM Card Debit Dimension/
Focus Debit
Wealth/AMA
Debit
Delta SkyMiles®
Debit Card
Non-Truist ATM fee $3 per transaction $3 per transaction
,
$3 per transaction
,
no fee $3 per transaction
Non-Truist
international ATM fee
$5 per transaction $5 per transaction $5 per transaction no fee $5 per transaction
International Point
of Sale (POS), ATM
and cash advance;
international service
assessment fee
3% POS and 3% ATM 3% POS and 3% ATM 3% POS and 3% ATM 3% POS and 3% ATM
for AMA; No Fee for
Truist Wealth
3% POS and 3% ATM
Daily withdrawal limit $500 $500 $1,500 $2,000 for Truist AMA
$3,000 Truist Wealth
$2,500
Daily Point of Sale
limit
$3,000 $3,000 $6,000 for Truist
Focus
$10,000 for Truist
Dimension
$10,000 Truist AMA
$25,000 for Truist
Wealth
$35,000
The Delta SkyMiles® Debit Card annual fee is charged 45 days after the open date of the card. For Truist Dimension Checking accounts, the initial annual fee will be based on the sum of
highest monthly average ledger balance of your combined eligible Truist consumer deposit balances on that date. Eligible Truist consumer deposit balances includes all checking, savings,
Certiicate of Deposit, Individual Retirement Account and/or all consumer investments through Truist Investment Services, Inc. titled in the owner or the co-owner’s name. Thereafter, for
Truist Dimension and Signature Advantage Checking (no longer oered), we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual
fee. Annual fee tiers are deined as follows: a) highest 3-month average ledger balance of less than $25,000 is charged an annual fee of $95 b) highest 3-month average ledger balance
of $25,000 and less than $100,000 is charged an annual fee of $75 and c) highest 3-month average ledger balance of $100,000 or more is charged an annual fee of $25. Annual fee will
be calculated at the end of the month prior to the annual fee being charged. For Truist Wealth and Truist Asset Management Checking account clients, the annual fee will be discounted
to $0. For Delta SkyMiles® cards opened before July 15, 2015, and not associated with a Truist Dimension Checking or Signature Advantage Checking Account, the annual fee is $95. For
clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date. For more details, please see the Delta SkyMiles® Debit Card Terms and
Conditions.
Delta SkyMiles® Debit Card Annual Fee
Note: 1.) Truist reserves the right (either directly or through processors) to provide new debit card numbers (issued due to replacement/lost/stolen/natural expiration) to merchants you
have authorized to utilize your current debit card account for recurring transactions. 2.) Temporary Debit Cards are issued at the branch with the same limits and waivers as the permanent
Debit Card.
 The non-Truist ATM transaction fee is charged per withdrawal, balance inquiry or transfer when using a non-Truist ATM.
 These limits apply to an ATM card added to any personal savings account. An ATM card may also be added, upon request, to a personal checking account and in lieu of a debit card.
 The Truist Debit card can be added to the following accounts: Truist Fundamental Checking, Truist Bright Checking and Truist Student Checking.
 All Student accounts receive 2 non-Truist ATM fee waivers per statement cycle.
 All personal DDA and SAV accounts in Texas receive 2 non-Truist ATM fee waivers per statement cycle and 2 ATM surcharge rebates not to exceed $3.00 per rebate.
 The Truist Debit Card can be added to the Truist Focus and the Dimension Checking accounts.
Waivers for non-Truist ATM Fees are: Truist Focus: 4 non-Truist ATM fees and Truist Dimension: For balances less than $25,000 (Tier 1) – 1 non-Truist ATM fee waiver and 1 surcharge
rebate; For balances $25,000 to $99,000 (Tier 2) – 3 non-Truist ATM fee waivers and 3 surcharge rebates; For balances over $100,000 (Tier 3) – Unlimited non-Truist ATM fee waivers and
surcharge rebates per statement cycle and all not to exceed $3.00 per surcharge rebate.
Wealth/AMA Debit Card can be added to the Truist Wealth or Truist AMA Checking accounts to receive unlimited no-fee non-Truist fee waivers and surcharge rebates. There is no $3.00
cap on the surcharge rebates.
 Delta SkyMiles® Debit Card can be added to Truist Dimension, Truist Wealth Checking and Truist AMA accounts.
 Waivers for Delta SkyMiles® Debit Card per account type are: Truist Dimension - For balances less than $25,000 (Tier 1) – 1 waiver, for balances $25,000 to $99,000 (Tier 2) – 3 waivers,
for balances over $100,000 (Tier 3) – Unlimited waivers per statement cycle and not to exceed $3.00 per waiver. No fee for Truist Wealth Checking and Wealth Money Market accounts.
Note: If the card (including ATM and debit cards) is used for transactions in a currency other than U.S. dollars, the exchange rate between the transaction currency and the billing currency
used by VISA® for processing such foreign transactions is either (a) a rate selected by VISA® from the range of rates available in wholesale currency markets for the applicable transaction
processing date, which rate may vary from the rate VISA® itself receives or (b) the government mandated rate in eect for the applicable transaction processing date, increased by up to
three percent (3%). If a credit is subsequently given for a transaction, it will be decreased by up to three percent (3%). If the credit has a dierent transaction processing date, then the
exchange rate of the credit can be greater/less than that of the original transaction. The currency conversion rate on the day before the transaction processing date may dier from the rate
in eect at the time of the transaction or on the date the transaction is posted on the account. Wealth Checking accounts are exempt from the 3% fee. AMA Checking accounts are subject
to the 3% fee. The converted amount shall be provided in U.S. dollars. Plus and Interlink are VISA® network brands and transactions processed on these networks are also subject to rates
detailed above.
36
Electronic banking servicescontinued
Online Banking and Quicken
Customer service
Online Banking with Bill Pay
Online banking no charge
Bill Pay (standard) no charge
Expedited Bill Pay – same day Bill Pay (available for select clients) $4.95
Expedited Bill Pay – overnight check (available for select clients) $14.95
Online external transfers
Transfer from your accounts at other inancial institutions no charge
Standard transfer to your accounts at other inancial institutions $3 per transfer
Next day transfer to your accounts at other inancial institutions $6 per transfer
Online Zelle® (person to person) transfers
Send (money transfer to other people) no charge
Request (money request sent to other people) no charge
Stop payment fee for Zelle transfers no charge
Quicken
Quicken® – personal accounts $7.95 per month
Quicken® – combination (used for clients that combine business and
personal accounts)
$9.95 per month
 No fee for transfers to external accounts for Truist Wealth Checking clients.
 No fee for up to three standard transfers to external accounts per calendar month for Truist Dimension Checking. No fees for transfers to external accounts for Truist Wealth Checking.
Must have a bank account in the U.S. to use
Zelle
. Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled with
Zelle
, it could take one to three
business days to receive the money once the enrollment is completed. To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with
Zelle
. The minimum payment required is $1. Other limitations may apply.
Money transfer transactions that are in process cannot be canceled or stopped. However, if a recipient is not yet enrolled with
Zelle
you may have the opportunity to stop the transaction.
 No fee Quicken® access for Wealth Checking and Truist AMA accounts. Quicken® is a product of Intuit, Inc.
Telephone banking 844-4TRUIST (844-487-8478)
37
What you need to know about overdrafts and overdraft fees
An overdraft occurs when you do not have enough money (available balance) in your account to cover a transaction, but the
bank pays it as a courtesy. Truist can cover your overdrafts in two dierent ways:
1. We have standard overdraft practices that come with your account.
2. We also oer Overdraft Protection plans, such as a link to a savings, money market, or another checking account, line of
credit, or credit card, which may be less expensive than our standard overdraft practices.
The remainder of this notice explains our standard overdraft practices.
What are the standard overdraft practices that come with my account?
Unless you request this speciic Overdraft Coverage service, Truist will not be allowed to pay overdrafts and assess a fee for:
• ATM Transactions
• Everyday debit card transactions (also known as one-time debit card transactions)
Your request allows Truist to consider paying the overdraft for which you will incur a fee. This is your choice. If you do not
request this service, or if Truist chooses not to authorize the overdraft, your transaction will be declined.
The following types of transactions are not aected by your request. We may authorize and pay overdrafts on these transactions
and fees may be incurred.
• Checks and other transactions made using your checking account number
• Automatic bill payments
Truist pays overdrafts at its discretion, which means that we do not guarantee that we will always authorize and pay any type of
transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned.
What fees will I be charged if Truist pays my overdraft?
Under Truist’s Overdraft Coverage service:
• Truist will charge you an overdraft fee of $36 each time we pay an overdraft on your behalf.
• Truist will charge you a negative account balance fee of $36 if your account remains negative for seven consecutive calendar
days.
• Truist limits the total number of combined overdraft and returned item fees to 6 per day.
• Truist will waive overdraft/returned item fees for transactions that are less than $5.
How do I change my decision for Overdraft Coverage?
To change your Overdraft Coverage decision at any time, you may submit a request in one of the following ways:
• Visit our website at Truist.com/overdraft
• Log in to online banking at Truist.com
• Call 844-4TRUIST
• Visit any Truist branch
• Access a Truist ATM (ATMs owned / operated by Truist)
Truist Overdraft Decision Notice
This Notice is only applicable for consumer deposit accounts
Your decision will be eective the next business day. Your decision will be eective until you make another decision for this
account. If you do not request Overdraft Coverage, we will automatically decline all of your ATM transactions and everyday debit
card transactions that would overdraft your account.
Your available balance is the money in your checking or savings account that is currently available to you to make purchases, withdrawals, etc. It relects any processed and pending
transactions, as well as any holds. For more information about how your available balance is calculated and when/how overdraft fees may be assessed, please visit Truist.com/thefacts.
We rely on transaction coding sent to us by the merchant or other third-party to determine whether your debit card transaction is one-time or recurring, which aects whether or not we
would authorize these transactions at our discretion and whether fees may be assessed.
 Returned Item fee is a fee that is incurred when a check or ACH item is returned unpaid due to not having a suicient available balance.
38
Important dates
February 2022
• You’ll start seeing new Truist signage at SunTrust and BB&T branches. You can begin
using former BB&T branches once they display Truist signs.
February 20, 2022
• You’ll have access to Truist Online and Mobile Banking and free, unlimited online Bill Pay.
• You’ll have access to alerts.
• Your deposit account(s) will automatically transition to Truist deposit account(s).
• Your irst Truist statement(s) will be mailed during your next scheduled statement cycle
after February 20, 2022.
February 21, 2022
• You’ll have access to Truist Contact Center at 844-4TRUIST.
39
Thank you
We appreciate the opportunity
to serve you as Truist
Truist Bank, Member FDIC. ©2021 Truist Financial Corporation. Truist, BB&T, SunTrust,
Truist Purple, and the Truist logo are service marks of Truist Financial Corporation.
RS-S5