Formerly SunTrust

 3.8/5 (1036 reviews)
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Overall Rating3.8 out of 5
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About Truist

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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 & Cons


  • More than 2,100 branches
  • Free checking for students
  • No overdraft fees
  • Convenient mobile banking


  • $2.50 or $3 fee at non-Truist ATMs
  • Doesn’t have physical locations in every state

Bottom Line

Truist offers bank accounts, investment services, personal loans, mortgages and credit cards. It has more than 3,000 ATMs and 2,100 branches in 17 states and Washington, D.C. Clients can easily avoid account maintenance fees.

Top Truist Reviews

Rated with 5 stars

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. ...

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Rated with 5 stars

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 ...

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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 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 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 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’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 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 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.

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.

Truist Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: May 26, 2023

I'd give it 0 or negative stars if I could. Got an email from Truist Bank for a bonus offer if I opened a checking account with them and made direct deposits from my employer over a certain dollar amount & the bonus was $400. I called Truist Bank several times, but no answer, so I drove to the bank & was met Sonia who immediately told me they'd be closing in 15 minutes. She was annoyed to help me and it was clear. Then I opened up the email I had received and also showed her the promotion code as well.

She read the email and looked at the promo code and stated she wrote it down & little did I know, she started the process and put in another code that she claimed was the same thing. Turns out, had she put in the promo code I had in the email, it would have shown that it was for opening an online bank account only. So, two days later she calls me and tells me that I didn't qualify for the promo because not only did she enter the wrong promo, but the promo I had in the email, was for online only & since she already set up an account, I'm no longer a new customer and do not qualify for the $400 bonus.

You wanna talk about straight up fraud and negligence. The case has been escalated and if they do not honor the promo that Soia screwed up, I will make sure everyone knows to avoid Truist Bank. This is shady ** that Sonia pulled. They need to honor the promo she screwed up! Allegedly the complaint dept. is handling it, according to the branch manager that did nothing. They should honor the promo and be done. They screwed it up not me. Make it right #TruistBankOcalaFlorida

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Rated with 1 star
Verified Reviewer
Original review: May 25, 2023

Horrible to bank with. Customer service is absolutely no help. So I’ve been from job to job and finally found one I’m making good money with. But why is it EVERY SINGLE TIME I have to wait a week for my check to deposit? Not just mobile app at the branch too! It’s my money. You shouldn’t be able to hold MY MONEY. So over the last few months this has put me further and further into debt. I’m always behind on bills now and car catch up because of TRUIST. Oh and you can’t cash the check either. So what good is a bank if you can’t get paid on time?

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    Rated with 1 star
    Verified Reviewer
    Original review: May 3, 2023

    I never was sent the information for this. I have been in contact with several people on several occasions to try and work this out and so far never got the information that I was told would be mailed to me.

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    Rated with 1 star
    Verified Reviewer
    Original review: May 2, 2023

    STAY AWAY FROM THIS BANK!!! I recently had an unsatisfactory experience while opening a checking account with this bank. I would like to share my story to help others make an informed decision. I recently encountered multiple issues while opening a checking account with Truist Bank online. Initially, when attempting to create an online account, I encountered technical difficulties that caused the screen to freeze. After repeatedly clicking the button, I was blocked from accessing my account. To verify my identity, the bank requested that they send me a text message, but they were unable to use the number provided as it was registered under a business account. Despite explaining the situation, the issue persisted until I provided a different phone number.

    Unfortunately, my issues did not end there. When I attempted to log in to set up direct deposit, I received a notification that my account was blocked due to fraudulent activity. I was directed to visit a branch for further assistance, where I was informed that I had two accounts that were closed without explanation. The branch representative instructed me to wait for ten days before calling to request the return of my funds. While I understand the importance of security measures, I find the handling of my situation by Truist Bank to be unacceptable. If the bank closes my account, I expect to receive my funds immediately. Waiting for ten days to request the return of my funds is unacceptable. I would like to caution others who are considering banking with Truist Bank to be mindful of my experience. They don't even deserve my 1 star.

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    Rated with 1 star
    Verified Reviewer
    Original review: April 25, 2023

    I have banked with SunTrust for years as I got the account as a college student. When the bank merged with BB&T to become Truist I was excited because I have heard decent things about BB&T. What a huge disappointment Truist has been. I even wanted to give time for them to sort things out, but if I wait any longer this bank will ruin me financially.

    I have been charged several overdraft fees since starting with Truist. I have two checking accounts that are linked. I keep all of my money in the secondary checking that does not have an associated debit card to protect my funds from fraud and other issues. So I only transfer as I need. These last few overdrafts have occurred because Truist will not post charges to my card until they know I am out of funds. I have watched a transaction pend for 4 days, purchased on a weekday (Thursday) and did not post until Tuesday morning showing as a "Monday" posting. Even before posting Truist showed my account indicating having enough funds to cover all charges. However other charges that were made based on the information shown in my account then puts my bank account into the negative.

    Even worse it overdrew by only $5. I have more than that to cover in my other account but refuse to setup overdraft protection because with SunTrust I always simply had my card decline when there are not enough funds. There was no need, Truist changed my account to not include this feature during the switch and then "politely" informed me they were switching it back to this feature. But that still does not matter if the funds are being held in stasis for no reason. Plus, I check my bank account religiously to see the balance. I do not always check the pending transactions because they normally post at the latest the next business day.

    This has happened several times in the last few months from getting gas to shopping at the grocery store where the bank will hold the charge for days. This is ridiculous and I have considered switching banks for months now. I cannot wait to switch. I have not had an overdraft since college until the merge. I also have never been the person to setup an account just to make a negative review but here I am. Truist is an absolutely horrible financial institution.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 25, 2023

    Truist closed my account on 2/13/23 for fraud yet denied all the fraud on my account, then failed to notify while my account was open for 2 years that I had a collection on a 2017 account. Truist wait until my account was closed then they decide to tell me all the refunds that returned to my account from merchants were being sent back to merchants until the merchants supplied arn numbers so I researched. Truist had taken over $200 in refunds from a closed account and applied them to a 2017 BB&T account that was $-280 that I knew nothing about.

    Once they finally admit that they stole my refunds I needed to know what caused this 2017 account to have a $-280, Truist had the audacity to say they do not have a clue to what transaction caused 10... $36 prior day return fees and they refuse to remove the fees yet they do not have a transaction to support what caused these fees. They just have $280 in fees without a transaction yet this dumb bank refuse to refund or remove these fees and they caused me to lose a lot of money and they are taking it like they knew what they were. I have lost 3 disputes pertaining to this issue and they feel like they are so clever but in reality, they are using techniques that are banned and they are violating regulations and they don't care who cares. These fees and from merchants, keep all the refunds that came in from merchants.

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    Rated with 1 star
    Verified Reviewer
    Original review: March 14, 2023

    Updated on 03/17/2023: I have issues where Truist bank closed my account fraudulently. Been taking my refunds and applying them to a collection account that is not mine, they denied claims that should have been approved. They closed my account for fraud and denied all the fraudulent activity that was on the account, told me it was a executive decision to cancel the account after account manager called me to sign a document to switch to another account, at least I thought, instead he canceled my account from my own signature, thinking I was just switching accounts, scammed me into closing my account.

    Was upset then I thought, "Fine. I find another account," which closed with a signature on 2/13, during the next 3 weeks was told by merchants refunds were being refunded and were being accepted into my Truist account that was closed. Truist agents and the local bank would tell me they were sending the refunds back to the merchants or they would be sending a check to me, a month later after hundreds of calls and text to different merchants including international merchants Truist finally confess and tell me they have the refund and collections have them.

    After 3 weeks of lies they have my funds in a collections account. Didn't know why cause I never had a account with Truist and I know they sent me a 16 dollar check when my account closed then I'm told they been applying my refunds to a old account from 2017. I tell them SC statute of limitation on debt and they ignore me. I tell them the account was closed and never had an account with them before. Now they claim I have a signature card that will justify me having a old BB&T account, this I gotta see, I check my email on 3/15/22 and they have sent me a copy of each of these signed documents. Nothing more on them lil info but I'm asking myself when did I sign this and as I start thinking harder I'm really thinking how can see when this document was created and would it tell me who created it, then I see that Adobe will tell me what I wanted to know so I then open the 2 files with Adobe Acrobat and look at the date.

    I found this document I so called signed in 2017 and the document that I so called signed in 2023, look at when they were actually created, both had my signature but one my signature wasn't touching the lines that I would normally go over and nothing was touching. It's like you could put a ruler under my name and draw a line. It was to straight but document was a fraudulent document. Both documents were created on 3/15/23 and they were both created by the same author. 2017 document was created on 3/15/2023 at 4:59 from Microsoft program that is used to create fraudulent pdf files and for the 2023 document which was created by the same author a few minute later.

    They fraudulently created fake documents to make it look like I signed for this old account attempting to match my signatures. They copy and pasted on a document to make me pay a collection that I should not be paying.... Banks are the new bank robbers. What I don't understand is their employees will help the bank achieve their goal yet the bank probably will not do the same for their employees.... but they created a fraudulent document.... to make me look like I had an old BB&T account and they need to correct this before they get corrected, also I put the screen on Truist Twitter page and also FTC Twitter page...

    Original Review: Bank CEOs, agents & supervisors rob us blind through lies & greed for their employer who won't who who are robbing the customers without a weapon & these agencies does nothing, Truist deny disputes customers should have won, cancel accounts and charge fees that they should be fined for charging, such as $36 declined purchase fees, which I thought were stopped, and other fees such as.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 1, 2023

    I opened an account and found out less than 24 hours later they had a $400 promotion and then they refused to give it to me. I called corporate, I called the branch, I called everyone. These people are sooo deceptive. I can't wait to close my account here and tell everyone to go get $400 and then pull their money out. I'm a single mom trying to find a place for my kids to live and this would've help me so much. Ok can't believe how evil this bank is. I was a faithful SunTrust account holder for about 8 years. I recently went back and man do I wish I never did. Can't wait to close my account tomorrow and tell everyone I know how to get free $400 and close out their accounts and everyone I know who has investments and mortgages to switch over. They make Wells Fargo look good. I hope you guys go down in flames. This review will be in every website I can find about banks.

    6 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Feb. 27, 2023

    I opened an account online and immediately received 2 emails. I had a promotional code which was accepted and I received another 2 emails confirming so about a week later. I set up my direct deposit at work and set up bills to be paid from the account. I received a notice from my payroll department advising the direct deposit was returned. I wasted 2 hours (mostly on hold) with Truist trying to understand what happened. Turns out they closed the account but they could not provide an actual reason. Cited that they can close an account at anytime without reason per whatever regulation. Sounds to me like Truist just doesn’t want to make good on their $400 promotion. Hook and bait? Funny how the promotion available now is only $200… looks like I was inadvertently saved from starting business with yet another a shady bank!

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 24, 2023

    If I could switch to a different bank that is really honest I would, I'm stuck with this bank because of how my business is setup, Truist give you overdraft fees even though you have money in your account to cover the funds that you spend and they they come up with the most far out story of why they gave you an overdraft, Truist bank comes off as ripping customers out of they money. Trust ridiculous.

    5 people found this review helpful
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    Truist Company Information

    Company Name:
    Formerly Named:
    303 Peachtreet St, N.E.
    Postal Code:
    United States