Truist Reviews

Formerly SunTrust

4,885,129reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of reviews.

About Truist

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Truist Bank is the result of a 2019 merger of BB&T (Branch Banking and Trust Company) and SunTrust Banks. It has branches in many communities as well as a mobile app and online banking. Truist’s services include checking and savings accounts, insurance, credit cards, personal loans, mortgages and retirement services.

Pros
  • More than 2,100 branches
  • Free checking for students
  • No overdraft fees
  • Convenient mobile banking
Cons
  • $2.50 or $3 fee at non-Truist ATMs
  • Doesn’t have physical locations in every state

Helpful Reviews

St Petersburg, FL
Verified purchase
My credit profile has been bad until the last two years. I did improve my situation. ... I moved to Florida back in March 2021 and bought the house I was renting in October 2021. ...

Read more

Leesburg, VA
Verified purchase
Shaquille from the contact center was very informative and polite! He helped me through a scary fraud situation with exemplary professionalism. Dyesel however was very frustrated ...

Read more

What is Truist?

In 2019, BB&T Corporation merged with SunTrust Banks, Inc., to create Truist. Truist provides banking, investment, financing and mortgage services at more than 2,100 locations in 17 states and Washington, D.C. Truist’s mobile app and online banking platform give customers the ability to access and monitor their accounts from anywhere. Simple ways to waive monthly fees and no overdraft fees on checking accounts make banking with Truist free for many customers, especially students.

Truist services

Truist offers multiple products and services, including checking accounts, savings accounts, credit cards, loans, mortgages, investing/retirement accounts and insurance.

Truist checking accounts
Truist offers Truist One Checking accounts with no overdraft fees, a $100 negative balance buffer and increased rewards from select Truist credit cards. Truist One Checking has a $12 monthly maintenance fee, but there are five ways to waive the fee. There are also five different levels of Truist One Checking accounts, depending on your total monthly average balance. Truist checking account benefits increase as your balance grows.
Truist savings accounts and CDs
Truist has two savings account options: Truist One Savings and the Truist One Money Market Account. Truist also has certificates of deposit, which require a $1,000 account minimum. Truist offers terms of seven days to 60 months for CDs.
Truist loans
Truist offers several loan types, including mortgages, home equity lines of credit (HELOCs), personal loans, auto loans and boat and RV loans. For personal loans, Truist often makes decisions in under 15 minutes and may make money available to you the same day you apply. The bank also offers a special physician line of credit of up to $100,000 that’s designed to help interns, residents, fellows and board-certified physicians manage unexpected or everyday expenses.
Truist credit cards
Truist’s line of Visa credit cards includes the Enjoy Cash credit card, the Enjoy Travel credit card, the Future credit card, the Enjoy Beyond credit card and the Enjoy Cash secured credit card. Most cards earn cash back or airline miles on eligible purchases. Standard APRs vary from 13.49% to 24.49% at the time of publishing.
Truist insurance
Truist is part of Truist Insurance Holdings. Truist’s insurance partners include McGriff, Truist Life Insurance Services and BridgeTrust Title Group. Insurance products include property and asset insurance; life, long-term care and disability insurance; additional coverage such as hospital recuperative care insurance or accidental death and dismemberment insurance; and real estate title and settlement insurance.
Truist investing and retirement planning

Truist offers three different investment and retirement planning services based on your financial situation. You must invest at least $5,000 to use Truist’s investing services.

Truist Invest is a robo-advisor with an algorithm that analyzes your portfolios daily and rebalances them when necessary. Users can monitor portfolios on demand. The Client Advisory Center gives clients with at least $50,000 to invest access to a team of advisors. Clients who invest $250,000 or more receive one-on-one support from a financial advisor, a personalized investment plan and regular progress monitoring.

Truist fees

Truist’s monthly maintenance fee for a Truist One checking account is $12, but maintenance fees are waived for students under the age of 25, account holders with other Truist products and account holders who meet certain direct deposit and balance minimums. There is also a $3 charge for a paper statement, but you can elect for paperless online e-statements. The bank doesn’t charge fees for CDs.

  • Truist savings account fees: Truist One Savings accounts have a $5 monthly maintenance fee. The fee is waived for account holders who are under the age of 18, who schedule recurring transfers each statement cycle, who have a Truist checking product or who maintain a minimum balance.
  • Truist money market account fees: The account has a $12 monthly maintenance fee, but it is waived for account holders who maintain a minimum daily ledger balance of $1,000 or more.
  • Truist overdraft fee: Truist’s checking account and Confidence account do not have overdraft fees.
  • Truist ATM fee: ATM fees are $0 for Truist customers when they use Truist ATMs. Truist charges $3 per transaction at non-Truist ATMs in the U.S.
  • Truist foreign transaction fee: Truist charges $5 per transaction at non-Truist ATMs outside the U.S. Truist also charges a 3% international point-of-sale and ATM assessment fee per transaction.

Truist FAQ

Does Truist let you overdraft?

Truist offers two bank account products with no overdraft fees. The Truist One Banking checking account does not charge overdraft fees and supplies up to a $100 negative balance buffer. The Confidence account does not let users make overdrafts.

Does Truist offer free checking?

Truist checking accounts have a monthly maintenance fee of $12, but it can be waived in five different ways. Truist waives fees for students under the age of 25, clients with a Truist credit card, small business checking accounts, mortgage or consumer loans and account holders who meet direct deposit or account balance minimums.

Who owns Truist bank?

In 2019, BB&T (Branch Banking and Trust Company) merged with SunTrust Banks to become Truist Financial Corporation.

Where is Truist available?

Truist is a large bank with 2,100 branches in 17 states and Washington, D.C. Its physical branches are located in Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Maryland, Mississippi, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia and Washington, D.C.

Still have questions?

Is Truist a good bank?

Truist offers a number of products and services to meet your financial needs, such as credit cards, checking and savings accounts, personal insurance and loans. New checking accounts from Truist eliminate overdraft fees and make it easy to waive a monthly maintenance fee. However, interest rates on savings accounts and CDs are low compared with what other banks offer.

Unique products like no-fee student checking and a physician line of credit make Truist a potentially ideal option for students and physicians. Overall, Truist’s offerings allow customers flexibility in how they handle their finances.

Shop with confidence

Compare with top companies

Truist Reviews

Filter by Rating

  • (34)
  • (10)
  • (7)
  • (43)
  • (1,122)

Popular Mentions

    How do I know I can trust these reviews about Truist?
    • 4,885,129 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Recent
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about Truist?
    • 4,885,129 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Profile pic of the author.
    Customer ServiceStaffResolution

    Reviewed May 22, 2026

    I was a loyal SunTrust customer for over 10 years and the merger to become Truist was the worst! This company does not value customer loyalty and their customer service has been atrocious. I called about my personal checking account and the agent told me to stop taking this personally and move on. Additionally, they sent notices to an address that wasn’t mine and closed my account. When I pointed out they sent the notices to the wrong address, they acknowledged it, but refused to rectify the situation. I would not recommend opening an account with them!

    Thanks for your vote!
    Customer ServiceStaffTransparency

    Reviewed May 22, 2026

    On May 22, 2026 at approximately 10:15am I initiated a call to Truist Bank in an effort to transfer funds to an external bank. My online customer service representative's name was Salicia, she indicated she worked out of North Carolina. This transaction lasted 1:34 minutes and I could not have been more satisfied. There were challenges between accounts, time frames for funds availability during a holiday weekend, verifications... everything that could have gone wrong, did.

    Salicia was very knowledgeable about Truist's products, flawless navigation of the Truist website. She conveyed professionalism under the pressure I provided. She remained courteous. She was very patient and provided explanations regarding Zelle and other options in transferring funds along with the necessary steps in the verification process. Most importantly, she was respectful and persistent in providing me with a successful transaction. When all was resolved there was genuine humor between us regarding the experience. I was extremely pleased with the service Salicia provided. Truist, take note of this message and her performance. She is an asset to your business and an example for others to emulate. S.

    Thanks for your vote!

    Not sure how to choose?

    Get buying tips about Banks delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Customer ServiceTechPricePunctuality & SpeedStaffBillingRates

      Reviewed May 20, 2026

      Has been extremely frustrating on a regular basis to try and be a customer of this absolutely miserable excuse for a bank. We didn't sign up for this, they acquired SunTrust. The customer service is now non-existent. I could site 50 examples, but folks have already highlighted the ineptness of this bank. Latest nightmare, we initiated an online check from our account to a contractor doing work at our house. 7 days later Truist had still not sent the check.

      The contractor was not happy, Truist was simply keeping our money as long as they could as they always do because they care more about interest than they do their customers. So my wife drives 30 minutes to a branch over lunch and stops the "online payment" in order to get a certified check to hand to the contractor. Truist was rude at the branch, which is typical, had zero empathy for the situation they put us in, and proceeded to charge us $35 to cancel the check that they never sent. This is it for us. It is a pain in the butt to change all of the accounts we have a Truist, but this is the final straw. Off to find a bank that actually cares about customers. It will not take much to be better than this pathetic excuse for a bank.

      Thanks for your vote!
      Customer ServiceStaffRatesTimeliness

      Reviewed May 18, 2026

      Would rate zero if possible. I was trying to pay off my overdraft credit line of $6,000 dollars. I called to get directions from Truist and followed the directions to the letter. Every time I called I was given a new excuse for why the money was received but not posted. For all banks in America I checked with, wire transfers are posted same day within one hour. Today I found out Truist takes 7-10 business days- 2 calendar weeks. Truist also cancelled my money market account without notice because "the rules changed" but I was never advised of any rule changes.

      I filed a complaint with the CEO of Truist about this and he " doesn't care". This is an unethical bank and each time you call, you will be told a "different story" about why the last person from Truist bank told you the wrong information. No one in this bank is held accountable for what they say or do. Records you send in mysteriously disappear until you threaten to file a formal complaint about the person who didn't file them. Stay away from Truist unless you enjoy spending all your time in the phone trying to find where they put your money that you now have no access to.

      Thanks for your vote!
      Punctuality & SpeedRefunds & Payouts

      Reviewed May 7, 2026

      Most inefficient banking personnel!!! I have submitted my husband‘s death certificate. Talked to someone at the Truist office who submitted a request to the “back office” for the gap refund to be re-issued in my name only. They have issued two checks, made payable to my husband and myself, even though they have the death certificate on file. I am waiting now for the third check, hoping it will be made payable only to me.

      Thanks for your vote!
      StaffLoan Process

      Reviewed May 5, 2026

      I have been working with Truist Bank at the Stuart Florida location (5545 SE Federal Highway) for several years now. Whether it is a loan, wire transfer, or just simple banking, everyone has been extremely nice to me. Senior Banker Desiree ** had been extremely helpful prior to moving to another branch. I would like to point out that recently Senior Relations Banker Monique ** has been so helpful with everything that I have needed to get done as well.

      Thanks for your vote!
      Sales & Marketing

      Reviewed April 22, 2026

      I’m wondering if this institution launders money for criminals? I was scammed for a wire transfer in the amount of $13,380. Unfortunately by the time I discovered this, the money had been released, even though it was only a couple days. I read others mentioning this bank holds money for up to 10 days, not in my case. I would not trust my money in this bank. Since I filed an FBI report, I’m sure they will have the Feds on their backs soon. I hope to get repaid.

      Thanks for your vote!
      Customer Service

      Reviewed April 9, 2026

      I have been a customer of BB&T since 2004 and remained through the Truist merger. This week, I submitted a request through their online transfer service, Zelle, to send my niece a cash birthday gift. I was just notified that the Zelle transaction did not go through and was cancelled as a result of "fraud" and I was not notified of that situation.

      I attempted to check my balance to confirm that the Zelle transaction was not completed and learned that my account access had been blocked. I called to investigate and after 90 minutes speaking with four people at Truist advising me that the only way they could unlock my account and access was to visit a Truist branch office. I live in Arkansas where there is no Truist branch office with a 200-mile radius and I am currently on assignment where there is no Truist branch office in the entire state... and they will not consider that their 20+ year customer is being denied access. This is totally and completely unacceptable. I have accounts with them which I am closing today.

      Thanks for your vote!
      Profile pic of the author.
      CoverageRefunds & PayoutsBilling

      Reviewed March 30, 2026

      I’m currently facing significant financial difficulties and experiencing issues with my checking account at Truist Bank in Florida. I deposited a check for $1,620 last week, and the bank is holding it for a week, leaving me without funds. I specifically chose an account that doesn't penalize me for overdrafts. However, the bank states they're holding the check because I overdraft frequently. I currently have a negative balance of $26 and struggle to cover necessary expenses such as car payments and gas. Is it legal for the bank to hold my check under these circumstances, and do I have any grounds to sue them for this hold?

      Thanks for your vote!
      Profile pic of the author.

      Reviewed March 28, 2026

      Disgusting bank. They literally steal from you by not releasing your funds. They hold checks that have cleared. They are awful. Do not bank at Truist. I have banked there for over 20 years. They treated me like garbage and held a cleared check for 9 days.

      Thanks for your vote!
      Loading more reviews...

      Truist Company Information

      Company Name:
      Truist
      Formerly Named:
      SunTrust
      Address:
      303 Peachtreet St, N.E.
      City:
      Atlanta
      State/Province:
      GA
      Postal Code:
      30308
      Country:
      United States
      Website:
      www.truist.com