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OPEN TRUIST ONE CHECKING ONLINE. EARN $400 WITH QUALIFYING ACTIVITIES.FOOTNOTE1


Open an account online for Truist One Checking







As a new personal checking customer, open a new Truist One Checking account
online from October 31, 2024 through April 30, 2025 using promo code
DC2425TR1400.footnote1

You must open the account online and enter the promo code to be eligible to
participate in the promotion.





Receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within
120 days of account opening.footnote1





The reward will be deposited to the new checking account within 4 weeks after
the qualification requirements have been met and verified. Truist verification
will occur one time after the qualification requirements are initially met. 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.

footnote See terms below.









THE PROOF IS IN THE PERKS.



No overdraft fees. None.





$100 Negative Balance Bufferfootnote2 for eligible clients.





Waysfootnote3 to avoid the monthly maintenance fee





Five benefit levelsfootnote4 —with automatic upgrades










READY TO EARN $400?FOOTNOTE1

Open Truist One Checking online


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Disclosures

Disclosure 1 Terms and Conditions for $400 Truist One Checking Online Only Offer
1: DC2425TR1400

Offer Information: Open a new Truist One Checking account online from 10/31/24
through 4/30/25 and receive at least 2 qualifying Direct Deposits* totaling
$1,000 or more within 120 days of account opening and earn $400.

Account must be opened online. Enrollment in the promotion is required at the
time of account opening using promo code DC2425TR1400. Please refer to the
Account Opening and Enrollment section below for full instructions.

*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.

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 10/31/23 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. Truist verification will occur one time after the
qualification requirements are initially met. 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 1/31/26 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 DC2425TR1400 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. Once
enrolled in the promotion, clients may receive promotional updates via the email
address provided or by calling 800.709.8700.

Version 3 10092024 DC2425TR1400

Disclosure 2 The $100 Negative Balance Buffer is only available with Truist One
Checking and allows clients to overdraw their account up to $100. There is no
decision required as this feature is automatically available when a client
qualifies.


To INITIALLY QUALIFY for the $100 Negative Balance Buffer, the requirements
below must be met:

 * Account must be opened for a minimum of 35 calendar days
 * Account must be funded with a positive balance
 * A single direct deposit of at least $100 per month must be made for two (2)
   consecutive months

To REMAIN QUALIFIED for the $100 Negative Balance Buffer, the requirement below
must be met:

 * A recurring direct deposit of at least $100 per month

For accounts that qualify for the $100 Negative Balance Buffer and also have
Overdraft Protection, Truist will use the $100 Negative Balance Buffer first. If
the account has neither, transactions that exceed the account balance will
typically be declined or returned.

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 3 The Monthly Maintenance Fee (MMF) can be waived for the Truist One
Checking account for each statement cycle by any one of the following:

Maintenance fees are waived for primary account owners age 62 and older. 

Making $500 or more in total qualifying Direct Deposits per statement cycle. 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.

Maintaining a total combined ledger balance of $500 or more in any Truist
related accounts across personal deposits and all investments as reflected on
the business day before your statement cycle end date. A Ledger Balance is
actual balance in your account on a specific day and does not reflect any holds
or pending transactions. Your Total Combined Balance is 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. Related Accounts automatically includes all applicable accounts associated
with primary and secondary account holders.

Having a personal Truist credit card, mortgage or consumer loan, excluding
LightStream®.  

Having a linked Small Business Checking Account. Eligible Small Business account
types include: Truist Dynamic Checking, Business Interest Checking, Simple
Business Checking and Business Value 200.

Maintenance fees waived for students under the age of 25. 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 4 Most Truist One checking accounts start in Level 1 upon account
opening and can begin increasing levels following the first month. Thereafter,
Truist One Checking levels are determined by the balance in your Truist One
Portfolio (“Portfolio”). Your Portfolio includes all eligible Truist consumer
deposit balances in your checking accounts, savings, Certificates of Deposit,
IRAs and/or all investments through Truist Investments Services, Inc. where you
are the primary or secondary account owner. For each of your accounts used in
the Portfolio, we use the monthly average ledger balance. We then take the sum
of all of these accounts to determine the Portfolio balance for the month. Each
month, your level is based on the highest Portfolio value of the three previous
months.

Leveling up can occur on a monthly basis but leveling down can only occur on a
three-month basis.

Accounts that are opened with a company ID code through a company sponsored
Financial Wellness program start at Level 2; Clients identified as Truist
Teammates, Premier clients, and Wealth clients 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.


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

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 McGriff Insurance Services,
LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington
Vanguard) and Crump Life Insurance Services, LLC (Crump). 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 (PJRV), LLC, Arkansas
License #100110185. Member FINRA, opens in new tab.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV 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, 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.

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.


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





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