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Truist One Savings

$50 minimum opening deposit

$5 or $0 monthly maintenance fee
with a way to waiveDisclosure 1

Optional overdraft protection
Link Truist One Savings with an existing Truist checking account to automatically transfer available fundsDisclosure 2 to your checking account if needed.

Supercharge your savings

Truist One Money Market Account

$50 minimum opening deposit

$12 or $0 monthly maintenance fee
with a way to waiveDisclosure 3

Earn interest
On your savings while you save for specific goals. See rates. for the Truist One Money Market Account.

Earn a guaranteed return

Truist Certificates of Deposit (CDs)

$0 monthly maintenance fee

$2,500 minimum opening deposit
for terms from 7 to 31 daysDisclosure 4

$1,000 minimum opening deposit
for terms from 32 days to 60 monthsDisclosure 4

Pair with Truist Confidence Account

Truist Confidence Savings

$25 minimum opening deposit

$0 monthly maintenance fee

No overdraft-related feesDisclosure 5

Must have Truist Confidence Account to open

What's to love about

Truist savings accounts

  • Protection from overdrafts? You got it.

    Cover yourself—link your Truist One Savings account or Truist One Money Market Account to your Truist personal checking account for optional Overdraft Protection.Disclosure 2, Disclosure 6

  • Definitely more secure than your mattress.

    Your money is FDIC insured to the max limit. It's backed by the U.S. government.

  • Bank better.

    Digital features like Zelle®Disclosure 7 and bill pay make managing money a whole lot easier.

View all savings options
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Disclosure 1 The monthly maintenance fee can be waived by: 

  • Maintain a minimum daily ledger balance of $300 OR
  • Schedule a recurring preauthorized internal transfer of $25 or more per statement cycle into the Truist One Savings account OR
  • Waived for a minor under the age of 18 OR
  • Waived with ANY related Truist checking product

Daily ledger balance: The actual balance in your account on a specific day and does not reflect any holds or pending transactions.

Fees may reduce earnings.

Disclosure 2 $5 is assessed, regardless of balance, for each withdrawal over six with a maximum of six Withdrawal Limit Fees per statement cycle. 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. The only transaction not counted toward the monthly limit of six are bank initiated transactions and transactions required for legal reason.

Disclosure 3 Waive the $12 monthly maintenance fee by maintaining a minimum daily ledger balance of $15,000 or more. Daily ledger balance: The actual balance in your account on a specific day and does not reflect any holds or pending transactions. Fees may reduce earnings.

Disclosure 4 Unless you instruct us otherwise, when this CD matures, it will automatically renew:

  • For the same time period as the original CD term.
  • At the Truist standard interest rate based on the balance tier and the interest rate in effect for your local area at the time of each renewal, based on your renewal balance. Please visit your local branch or call us for current CD information.

Disclosure 5 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 6 See our Truist Personal Deposit Accounts Fee Schedule for more information. Other account types may also be used for overdraft protection. Please see your local Truist financial center for more options.

Disclosure 7 For your protection, Zelle® should only be used to send money to friends, family, and other people or businesses you trust. Payments made with Zelle® are like sending cash and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. A U.S. checking or savings account is required to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. To send and receive money with a small business, both parties must be enrolled in Zelle® directly through their financial institution's online or mobile banking experience. For more information, view the Truist Online and Mobile Banking Service Agreement. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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 Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. 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, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC 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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