Open Truist Confidence Account

Truist Confidence Account

Truist Confidence AccountDisclosure 1

Feel better. Take control. Start living confidently. The Truist Confidence Account is designed to help you build a strong financial foundation with no overdraft fees,Disclosure 2, Disclosure 4 and no traditional paper checks—so it helps you only spend the cash you have.

$25

Minimum opening deposit

$5 or $0

Monthly maintenance fee with plenty of ways to waiveDisclosure 3

No

Paper checks

Open now a Truist Confidence Checking account.

Truist Confidence Account details

Here are the benefits

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  • No check cashing fees
  • No overdraft feesDisclosure 2, Disclosure 4
  • Access to mobile and online banking
  • Account alerts and credit monitoring to stay focused on your goals
  • Free financial education with Truist Money and Mindset
  • Over 3,000 ATMs and our wide network of branches when you need more help

Why it’s a good fit

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  • Pay bills with online and mobile bill pay.
  • Helps spend only the funds you have in your bank account. In most cases, this account will prevent you from overdrawing your account and charges exceeding your balance will be declined.Disclosure 4
  • Keep more of your money without having to pay check cashing or overdraft related fees.Disclosure 2, Disclosure 4
  • Build your financial confidence.

Fee informationDisclosure 1

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  • No check cashing fees
  • No overdraft related feesDisclosure 2, Disclosure 4
  • $5 monthly maintenance fee can be waived:
    • Making $500 or more in total deposits per statement cycle OR
    • Making 10 qualifying transactions per statement cycleDisclosure 3 OR
    • Primary client is a student
    • Primary client is under the age of 25Disclosure 3 or age 62 and older

Want more information? See our account fees and disclosures.

Ready to open your Truist Confidence Account? It’s so simple.

Step one

Share your basic info for account setup.

We’ll need some personal information to get your account started.

Step two

Make your first deposit.

Truist Confidence Account has a $25 minimum opening deposit.

Get started here.

Open now

Truist Confidence Account Bank On Certified 2025-2026 since July 2022; Cities for Financial Empowerment Fund

Bank On certified account

Truist Confidence Account is certified by the Bank On National Account Standards, recognizing safe, affordable banking—with no overdraft feesDisclosure 2, Disclosure 4.

Check out Truist Confidence Savings.

The perfect match for your Truist Confidence Account.

Better habits start here. Truist Confidence Savings doesn’t have a monthly maintenance fee and can provide overdraft protection for your Truist Confidence Account. Build your financial confidence with a no-maintenance-fee, no-overdraft-related-feeDisclosure 2 savings account. (You'll need a Confidence Account to open a Confidence Savings account.)

Learn more about Truist Confidence Savings.
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Disclosure 1 Refer to the Account Overview Guides and the Personal Deposit Accounts Fee Schedule for detailed information regarding each feature, benefit and/or fees listed for each product.

Disclosure 2 Truist does not charge overdraft related fees on this product. Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees. Transactions that exceed the account balance will typically be declined or returned.

Disclosure 3 The monthly maintenance fee will be waived by:

  • Making $500 or more in total deposits per statement cycle OR
  • Making 10 or more qualifying transactions per statement cycle.
    Qualifying transaction purchases are these specific debits to your account: ATM withdrawals, ATM payments, ATM transfers, Debit Card payments (one time and recurring), Debit Card purchase transactions including PIN Point of Sale (POS), Debit Card signature-based , and Zelle® payments. These transactions must be posted to your account during the statement cycle. Bank fees are not included.
  • Monthly Maintenance Fee (MMF): The waiver for a student requires they are listed as the primary account owner and they provide their anticipated graduation date. The waiver expires on the provided graduation date. On this date, the account is subject to the Monthly Maintenance Fee unless at least one waiver criterion is satisfied.
  • Primary client is under the age of 25 or age 62 and older. For clients under the age of 25, the waiver expires on the 25th birthday of the primary account owner.

Disclosure 4 While this account prevents you from overdrawing in most cases, we will decline or return transactions when you do not have enough money in your account to cover the charge. However, there may be times when your account could have a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account, i.e. adding a tip at a restaurant after the transaction for the meal was already approved. Even if you have a negative balance, Truist will not charge an overdraft fee.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and /or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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