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Skip to main content Truist Homepage Open Account * Featured accounts * Banking accounts * Savings accounts * Credit cards * Loans * Mortgages * Small Business * Investments * Wealth Sign in * Personal * Small Business * Wealth * Commercial, Corporate & Institutional * Search * Locations * Contact * Español * More About Truist Care Fraud and security Payment relief Careers, opens in new tab Privacy Legal Truist Homepage * Checking & savings CHECKING * Truist One Checking * Truist Confidence Account * Visa® Debit cards * Visa® Gift card SAVINGS * View all savings options * Truist One Savings * Truist One Money Market Account * Truist CDs * Truist Confidence Savings BANKING SERVICES * Premier banking * Online & mobile banking * Zelle® * Paze℠ ADDITIONAL SERVICES * Health Savings Account (HSA) Digital Banking V2 Nav promo CAN’T GET TO THE BANK? NO PROBLEM. Truist One Digital Banking makes it easy to take care of everything—online or in the app. See how it works. Check out Truist Digital Banking. * Credit cards OUR PRODUCTS * Credit cards * Truist Enjoy Cash * Truist Enjoy Travel * Truist Future Card * Truist Enjoy Beyond * Truist Enjoy Cash (secured) OFFERS * Check for Offers , opens in new tab GOT A MINUTE? CHECK FOR OFFERS. See if you're pre-qualified for a Truist credit card. Check now—without impacting your credit. , opens in new tab * Loans PERSONAL LOANS AND LINES * Personal loans and lines overview * Unsecured personal loan * Personal line of credit * Physician line of credit VEHICLE LOANS * Auto loan * Boat & RV loans overview * RV loan * Boat loan * Marine loan HOME & OTHER LINES * Home Equity Line of Credit * Secured line of credit , opens in new tab RESOURCES * All loans * Personal loan vs line of credit * How (and when) to consolidate debt * HELOC Calculator Personal Loans Midnight BG A DEBT CONSOLIDATION LOAN PUTS YOU IN CONTROL. Trade higher-interest debt for one payment at a lower rate. Explore loans at Truist Personal Loans. * Mortgage FOR HOMEBUYERS * Personal mortgage * Current mortgage rates * Buy a home * Refinance MORTGAGE LOANS WE OFFER * Home Equity Line of Credit * Doctor Loan * FHA Loan * VA Loan * Construction to permanent loan * Affordable Lending Options MANAGE YOUR MORTGAGE * Getting started * Manage and pay * Escrow, taxes, and insurance * Mortgage statements * Mortgage assistance FOR BUSINESS PARTNERS * Builders * Real estate professionals * Correspondent lending * Warehouse lending Mortgage Daun Purple BG MAKE YOUR MORTGAGE DIGITAL. OUR CARE WILL STAY PERSONAL. Buy or refinance a home with the support you deserve. We’re here for you. Connect with Truist Mortgage. * Investing & retirement INVESTING * Investing services * Truist Invest * Truist Trade RETIREMENT * Retirement planning * Retirement accounts PREMIER BANKING * Financial Planning Wealth Financial Planning FINANCIAL PLANNING. Life evolves. We can help create a plan that evolves with you. Let's get started. Check out financial plans. * Insurance * Money and Mindset * Life's moments overview * Taking charge of your money * Borrowing for a big purchase * Getting married or partnered * Paying for school * Starting a family * Buying a home * Money principles overview * The mind-money connection * Stress-free saving * Budgeting by values * Outsmarting debt * Protecting what matters * Investing in your values * * Homeowning happiness * Living and working my passion * Paying it forward * Overcoming overdrafts PODCAST: MONEY AND MINDSET WITH BRIGHT AND BRIAN Listen in * Open Account * Featured accounts * Banking accounts * Savings accounts * Credit cards * Loans * Mortgages * Small Business * Investments * Wealth PERSONAL & COMMERCIAL BANKING, CREDIT CARDS, LOANS & INVESTMENTS hp-sign-in-hero-personal-checking-400-promo-v2 New checking customer offer Earn $400 with Truist One Checking. Must open online and complete qualifying activities.footnoteDisclosure † Get offer for $400 Truist One Checking. Loading User ID * Enter User ID Save user ID Forgot user ID? click here to reset your User ID. , opens in new tab Password * Enter Password Reset password click here to reset , opens in new tab Sign in Need a user ID? Set up online banking Online security measures Sign in to another account , opens in new tab WHAT CAN WE HELP YOU WITH? Loading Previous slide to navigate through 7 clickable items * Checking * Savings * Credit Card * Small Business * Loans * Mortgage * Investing * Insurance Next slide to navigate through 7 clickable items View all products Enjoy Beyond CC Merchandising TRUIST ENJOY BEYOND NEW EXPERIENCES ARE WAITING. Pave your path to adventure with 30,000 bonus points after spending $1,500 within 90 days of opening a Truist Enjoy Beyond credit card account. Apply now for a Truist Enjoy Beyond Credit Card. Learn more about Truist Enjoy Beyond Credit Card. TRUIST ONE CHECKING OPEN A TRUIST ONE CHECKING ACCOUNT. No overdraft-related fees. It's easy and only takes a few minutes. Open now to get started with a Truist One Checking account. , opens in new tab Learn more about a Truist One Checking account. TRUIST ONE SAVINGS MAKE YOUR SAVINGS SHINE. Choices you make today could change everything. So, commit to yourself and save with Truist One Savings. Open now to get started with a Truist One savings account. , opens in new tab Learn more about a Truist One Savings account. Loading CREDIT CARD OFFERS A GREAT CREDIT CARD MAY BE WAITING FOR YOU. Cash back, travel rewards, or our lowest APR. You could find the credit card that fits just right in minutes. Check for offers for credit cards , opens in new tab FRAUD AND SECURITY MAKE SECURITY A PRIORITY. Get tips on protecting your accounts. Learn more about how to help protect your accounts. KNOWLEDGE + CARE AN UNSTOPPABLE PAIR What happens when knowledge meets care? Find out about how Truist cares. , opens in new tab ZELLE GIVE AND GO WITH ZELLE®. Use Zelle® to send money to the people you celebrate right from your phone.footnoteDisclosure 1 Learn more Sign in to use Zelle® to start sending money. , opens in new tab HOME EQUITY LENDING TURN YOUR HOME’S EQUITY INTO OPPORTUNITY. Remodel, invest, or take care of big expenses.footnoteDisclosure 2, footnoteDisclosure 3, footnoteDisclosure 4 Learn more about a Truist home equity loan. CRYSTAL CLEAR—CREATED WITH CARE. Meet the Truist app. Get super-fast access to your accounts and bright insights into your spending with our mobile app. Scan this code with your phone’s camera to download Truist Mobile. , opens in new tab , opens in new tab YOU WANT TO JUMP. WE SAY, HOW HIGH? Reach big goals with the help of a lot of knowledge and even more care. Let’s do this and reach our goals. Click for sound 0:30 Component ID : "accordionGridLayout-1946833208" Model : "disclaimer" Position : "left" Transcript The Catch: 30 Media Alternative Transcript Visual description: Truist logo Visual description: A coach and a student athlete are in a college gym. Coach: We’re gonna try something new today. Visual description: The coach drags in a ladder and uses chalk to draw a circle high on the wall. The athlete runs toward the wall, jumps, and can’t quite reach. Music: higher… Coach: That was close. Coach: Now get the top of the circle! Visual description: The athlete jumps again and still can’t reach. The athlete is tired. Music: higher… Coach: I need you to come from here. Visual description: The coach encourages him, pointing to his own heart and then the athlete’s heart. Music: higher… Voice over: When you work with someone who knows a lot and cares even more… Visual description: The athlete jumps again and almost reaches the circle. Visual description: The coach caringly puts his hand on the athlete’s shoulder. Coach: I believe in you. Make it happen. Visual description: The coach looks the athlete in the eye and nods at him. We can tell the coach isn’t going to give up on him. Voice over: … you’re unstoppable. Music: ‘til I reach the highest ground. Visual description: In slow-motion video, the athlete jumps toward the mark on the wall. We cut to the same athlete jumping in the exact same way, but he’s now a player at a professional baseball game catching a ball right before it goes over the fence, preventing a home run. The crowd goes wild. We zoom in to see the coach in the crowd. He’s emotional and proud of his student, and points at the student, like he did in training. The athlete catches his former coach’s eye and nods at the coach as he jogs back to the infield, acknowledging the coach’s unwavering support. Visual description: We see a Truist teammate and a professional-looking client sitting across a desk from each other at a Truist branch. The teammate has a document with tables and graphs. The teammate nods at the client in the same way the athlete nodded at his coach. Teammate: Let’s make it happen. Visual description: The teammate circles a section of a document in the same way the coach drew a circle on the wall. Voice over: At Truist, we believe the same is true for banking. Music: Keep on learning. Visual description: Truist logo Onscreen text: Leaders in banking. Unwavering in care. Onscreen text: Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Leading based on Truist ranking as a top 10 U.S. commercial bank as of 12/31/23. MONEY AND MINDSET Reach your goals. Feel good doing it. It’s time to upgrade your money mindset. Learn new skills, change your point of view, and take control of your finances. View Money and Mindset YOUR GUIDE TO BECOMING A SUPER SAVER When it comes to saving, it’s OK to put yourself first. Because when you build money habits that align to your unique goals, it makes for a smoother and more rewarding journey. HOW AN ATHLETE’S MINDSET CAN HELP YOUR FINANCIAL FITNESS Some of the same mental strategies favored by top athletes can be a part of your journey toward greater financial confidence. Play to win on your finances. Forbes Best Employers for Diversity 2023 Forbes Best Large Employers 2023 JUST 100 List, #14 –2024, which highlights companies that excel at the issues that Americans care most deeply about: paying higher, family-sustaining wages, more parental leave, paid training, doing better by their customers, and more. Fortune’s Most Admired Companies 2023 Previous Slide * 1 of 4 * 1 of 4 * 1 of 4 * 1 of 4 Next Slide Eligibility requirements apply for the Negative Balance Buffer Component ID : "accordionGridLayout-2007570826" Model : "disclaimer" Position : "left" Disclosures † Terms and Conditions for the 2024 Truist One Checking $400 Online Only Offer: TRUIST400DC24 Offer Information: Open a new Truist One Checking account online from 2/28/24 through 10/30/24, complete the following activities within 90 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion. * Receive at least one qualifying Direct Deposit* of $500 or more AND * Complete at least 15 qualifying debit card purchases** within 90 days of account opening. All debit purchases must be posted to your account to qualify. Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code TRUIST400DC24. Please refer to the Account Opening and Enrollment section below for full instructions. *The definition of a qualifying Direct Deposit is an electronic credit (greater than $0.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. Transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits. **Qualifying Debit Card purchases include purchase transactions, including PIN Point of Sale (POS), recurring transactions, transactions made via tap or through a digital wallet, and signature-based purchases. These transactions must be posted within 90 days of the new checking account opening. ATM withdrawals at a branch using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included. Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 2/28/23 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a mailing address in: 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 checking account within 4 weeks after the qualification requirements have been met and verified. The new checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. Promotion is only applicable once per checking account and per client. 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 checking account is changed to an account type not included in this client offer, (2) the checking account is closed prior to the reward being deposited, or (3) the new checking account has a $0.00 or negative available balance at the time of qualification validation. Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right in our sole discretion to prohibit a reward payout to non-eligible individuals for any offers claimed through third-party websites with no affiliation or prior authorization from Truist. All promotional payouts will be processed no later than 6/30/25 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made. Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on "Open an account online." Enter TRUIST400DC24 into the promo code field provided, review the offer Terms and Conditions, and then select "Accept Offer". Accounts opened without the promo code applied will not be eligible to participate in the offer. Version 6 04252024 TRUIST400DC24 Disclosure 1 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 typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. For more information, view the Truist Online and Mobile Banking Agreement. 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 2 Special Advance Rate: The Special Advance Rate is a variable rate made up of a discounted margin plus the variable Prime rate, and is in effect for 9 months after the date of account opening (“the Promotional Period”), and is valid for approved applications received through 07/31/24 and closed by 9/30/2024 for a Truist Home Equity credit line amount of $15,000 up to $1,000,000. Any variable advances taken during the Promotional Period shall accrue interest at the Special Advance Rate up until the expiration of the Promotional Period. The Special Advance Rate ranges from Prime minus 1.01% (currently 7.49% APR) to Prime + 7.50% (currently 16.00% APR. Advances taken subsequent to the expiration of the Promotional Period, as well as any promotional balance remaining upon expiration of the Promotional Period, shall accrue interest at the standard rate(s) and margin(s) as described below and in your Truist Home Equity Line Agreement & Initial Disclosure Statement. Offer not available on Fixed Rate advances. Offer subject to change without notice at any time and subject to credit approval. Offer is only available for owner-occupied, single-family, primary and secondary residences and condominiums located in the Truist footprint and is not valid on manufactured homes or cooperatives. Credit criteria, exclusions and limitations apply. Property insurance is required, and, if applicable, flood insurance will be required. There is a $50 annual fee in AL, AR, CA,FL, GA, IN, KY, NJ, and OH. Disclosure 3 Rates will vary with the market based on the Prime Rate + margin. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 8.50% as of 5/9/24. Standard APRs are variable during the 10-year draw period and 20-year repayment period and apply only to the variable rate option; are based on your collateral property location, credit line amount, combined Loan-To-Value (CLTV) ratio and other factors; and can range from Prime +0.00% (currently 8.50% APR) to Prime + 7.50% (currently 16.00% APR). During the 20-year repayment period for this option, the APR will continue to be calculated at a variable rate and your minimum monthly payment will be 1/240th of the total balance at the end of the draw period, plus interest and any applicable fees/charges. The maximum APR is 16% for properties located in NC and 18% for properties located in AR, CA, FL, GA, TN, AL, SC, VA, MD, DC, WV, IN, KY, NJ, OH, PA, or TX. Rates will vary if the client chooses for the bank to pay their closing costs, which is an option in some states if the requested loan amount is less than or equal to $500,000. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $10,000, and may vary by state. If you pay off your Truist Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs Truist paid on your behalf. Disclosure 4 Excellent credit is required to qualify for the lowest rates. At least 50% of approved applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/23 – 4/15/24. DISCLOSURES Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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 Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers. 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, opens in new tab. 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. Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA, opens in new tab and SIPC, opens in new tab. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank. LIMITED ENGLISH PROFICIENCY SUPPORT: 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. Truist offers the following resources for consumers that have Limited English Proficiency: * Multilingual teammates available at our Multicultural Banking Centers * Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve. * Phone assistance 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., opens in new tab * Limited English Proficiency Support * New York City residents BORROWERS WITH LIMITED ENGLISH PROFICIENCY (LEP) NEEDING INFORMATION CAN USE THE FOLLOWING RESOURCES: * The Consumer Financial Protection Bureau (CFPB) offers help in more than 180 languages, call 855-411-2372 from 8 a.m. to 8 p.m. ET, Monday through Friday for assistance by phone. * CFPB additional resources for homeowners seeking payment assistance in 7 additional languages: Spanish, Traditional Chinese, Vietnamese, Korean, Tagalog, and Arabic. www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/, opens in new tab SITE FOOTER * Privacy * Limit the use of my sensitive personal information , opens in new tab * Fraud & security * Terms and conditions FOOTER NAVIGATION Banking products * Checking * Commercial * Credit cards personal * Loans personal * Mortgage * Online & mobile * Open an account * Savings personal * Small business * Wealth About Truist * About us * Care * Community * Purpose * Truist Foundation * Truist Leadership Institute , opens in new tab * Truist Securities , opens in new tab * Truist Ventures Resources * Careers , opens in new tab * Community Reinvestment Act * Corporate Responsibility & Sustainability * Diversity and inclusion * Facts about banking * Investor relations , opens in new tab * Money and Mindset * Newsroom , opens in new tab * Supplier diversity Support * Accessibility * Client emergency resources * Consumer payment relief hub * Find a banker or advisor * Find a branch or ATM * Help Center * Schedule a branch appointment , opens in new tab * 844-4TRUIST (844-487-8478) * AdChoices * Do not sell or share my personal information -------------------------------------------------------------------------------- * , opens in new tab * , opens in new tab * , opens in new tab * , opens in new tab * , opens in new tab © 2024, Truist. 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