Disclosure 1 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.
Disclosure 2Ledger Balance: The actual balance in your account on a specific day and does not reflect any holds or pending transactions.
Disclosure 3Total 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.Truist HSA is excluded from Total Combined Balances.
Disclosure 4Related Accounts: Related accounts automatically includes all applicable accounts associated with primary and secondary account holders.
Disclosure 5 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.
Disclosure 6Monthly Maintenance Fee: Waiver for a student under the age of 25 requires that they are listed as the primary owner. The waiver is applied automatically at account opening and expires on the 25th birthdate of the student or their stated graduation date, whichever comes later. On this date, the account is subject to all applicable fees, including the Monthly Maintenance Fee unless at least one waiver criterion is satisfied.
Disclosure 7Paperless 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.
Disclosure 8 Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees.
Disclosure 9 After qualifying, if two months pass without a Direct Deposit of at least $100, you will no longer have access to $100 Negative Balance Buffer.
Disclosure 10 Credit card and/or line of credit are subject to credit approval. For accounts linked to a line of credit or credit card, funds advanced for Overdraft Protection are subject to fees and finance charges under your line of credit or credit card agreement. Please see your agreement for more information.
Disclosure 11 Truist Home Equity Lines cannot be linked for Overdraft Protection in Texas.
Disclosure 12 Per Transaction is defined as Cash Withdrawals, Balance Inquiries or Transfers.
Disclosure 13Accounts that are opened with a company ID code through a company sponsored Financial Wellness program start at Level 2; Clients identified as Truist Premier and Wealth start at Level Premier. The monthly maintenance fee waiver and any other associated benefits can take up to two (2) business days to take effect.NOTE: Truist Dynamic Business Checking linkage will be checked on the 2nd business day of the month when levels are calculated. If clients have a linked Dynamic Business Checking account, they will be granted Level Premier.
Disclosure 14Delta SkyMiles® Debit Card Annual Fee: See Personal Deposit Accounts Fee Schedule for more details concerning the Delta SkyMiles® Debit Card Annual Fee.
Disclosure 15Truist 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. Truist credit cards that are eligible to receive a loyalty bonus can be found in the FAQ section of the Truist One Checking site. More information on this loyalty bonus can be found within the Rewards Program Terms and Conditions applicable to the client’s respective credit card (conditions apply) and also on the Credit Card Rewards Program site. Truist credit cards are subject to credit approval.
