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Small business

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Checking

Earn $400 with Truist Simple Business or Dynamic Business Checking—new business checking clients only, terms apply.Disclosure 1

Truist Simple Business Checking
Straightforward—with no monthly maintenance fee. Perfect if you’re just starting out.

Truist Dynamic Business Checking
Fuel the pace of your small business. With more perks as your balances grow—and a true, local partnership.

Get offer for business checking accounts.

Start saving

Savings

Choose from savings, money market, and CD accounts.

Start small with ways to avoid a monthly maintenance feeDisclosure 2 with Truist Simple Business Savings.

Deposit up to 10 items and $5,000 in cash each month at no charge with a Truist Business Money Market.

Learn more about business savings accounts.

Purchasing power

Credit cards

Choose reward options like cash back or travel.Disclosure 3

Empower employees by issuing cards while managing purchase limits.

View transactions and manage your cards with online banking.

Learn more about business credit cards.

Financing

Loans

Business, auto, equipment, and real estate loans availableDisclosure 3

Personalized options with simple structuresDisclosure 3

Multiple ways to apply

Learn more about loans.

Financing

Lines of credit

Cover seasonal or revolving cash flowDisclosure 3

Access working capital where and when you need itDisclosure 3

Access a larger line of credit if secured by collateralDisclosure 3

Learn more about lines of credit.

Bank online

Online and mobile banking for businesses

Pay bills and move money with Zelle®Disclosure 4.

Deposit checks from the Truist mobile app.Disclosure 5

Set security controls for employees.

Enroll now in online and mobile banking.
Learn more about small business online and mobile banking.

Pay employees

Online PayrollDisclosure 6

Automatic payroll processing

Full-service payroll tax filing

Built and priced for businesses with one to 100 employees

Learn more about Online Payroll.

What's to love about

Truist Small Business

  • Business accounts come with a banking partner.

    Open a checking account, open the door to a banking relationship. 

  • Yes. The power to purchase.

    Need a cash flow boost? You’re ready with the right credit card.Disclosure 3

  • Start that next big thing.

    Big dreams need big funding. We're here with lending options to help make it real.Disclosure 3

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Disclosure 1 Terms and Conditions for the Truist Small Business Checking Q2 & Q3 2025 Offer: SB25Q2CHECKING:

Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/1/2025 through 9/30/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code SB25Q2CHECKING to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment section below for instructions.

*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Offer Eligibility: You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 10/3/2024), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The account opened for this offer must have the same account ownership with matching client Taxpayer Identification Number (TINs). The business’s physical address must be located in one of the following states: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new business checking account within 4 weeks after the qualification requirements have been met and verified. In order to receive the reward, the new business checking account must be open, not restricted, and in good standing with a balance of at least $0.01 at the time of Truist verification and at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per client and for one new qualifying business checking account. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.

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

Other Terms: Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist's Business Deposit Accounts Fee Schedule for additional information.

The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. Truist reserves the right, in its sole discretion, to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 3/31/2026, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.

Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB25Q2CHECKING is entered into the Promo Code field and accept the offer when presented.  Accounts opened online without the Promo Code will not be eligible to participate in the offer.

Branch Account Opening & Promotion Enrollment Instructions: Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the Truist Small Business Checking Q2 & Q3 2025 Offer using promo code SB25Q2CHECKING. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800-709-8700.

Version 1 02282025 SB25Q2CHECKING

Disclosure 2 Monthly maintenance fee is waived with ONE of the following: a $250 minimum daily ledger balance, a $500 average monthly ledger balance, or one recurring pre-authorized deposit or transfer of at least $100 per monthly statement cycle.

Disclosure 3 Loans, lines of credit, and credit cards are subject to credit approval. Standard underwriting guidelines and credit policies apply.

Disclosure 4 For your protection, Zelle® should only be used to send money to friends, family, other people or businesses you trust. Neither Truist nor Zelle® offers a protection program for payments that you authorize in Zelle®. Enrollment with Zelle® through Truist online or mobile banking is required. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. There is no fee to send money with Zelle® through your enrolled Truist business bank account. However, Zelle® payments to your business account will be charged a 1.0% fee (maximum fee of $15 per transaction). See Truist's Business Deposit Accounts Fee Schedule for additional information. 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.

Disclosure 5 Mobile deposit is only available through the Truist mobile app. Deposit limits and other restrictions apply. Your mobile carrier’s message and data rates may apply.

Disclosure 6 Subject to enrollment in Truist Online Banking and standard payroll fees apply. Any custom pricing negotiated will not be eligible for the balance-based discounts. Truist Online Payroll fees are per calendar month. Additional fees apply for businesses with more than 50 employees.

See Truist’s Business Deposit Account Fee Schedule for details.

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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