Disclosure 1 Truist 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. More information on this rewards bonus option can be found within the Rewards Program Terms and Conditions applicable to the client’s respective credit card; restrictions apply. Truist credit cards are subject to credit approval.
Disclosure 2 Related accounts automatically include all applicable accounts associated with primary and secondary account holders.
Disclosure 3 Intermediary Financial Institutions may deduct additional fees from incoming wires, reducing the amount of the proceeds credited to your account. Fees may vary.
Disclosure 4 $3 per transaction at non-Truist ATMs in the U.S. Per Transaction is defined as Cash Withdrawals, Balance Inquiries or Transfers. All personal DDA and SAV accounts in Texas receive two non-Truist ATM fee waivers per statement cycle and two ATM surcharge rebates not to exceed $3 per rebate.
Disclosure 5 The Delta SkyMiles® Debit Card annual fee is charged 45 days after the open date of the card. For Truist One Checking accounts, the initial annual fee will be based on the sum of highest monthly average ledger balance of your combined eligible Truist consumer deposit balances on that date. Eligible Truist consumer deposit balances include all checking, savings, Certificate of Deposit, Individual Retirement Account and/or all consumer investments through Truist Investment Services, Inc. titled in the owner or the co-owners name. Thereafter, for Truist One we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee. Annual fee levels for Truist One are defined as follows: Level 1 & 2) highest 3-month average ledger balance of less than $25,000 is charged an annual fee of $95; Level 3) highest 3-month average ledger balance of $25,000 and less than $50,000 is charged an annual fee of $75) Level 4) highest 3-month average ledger balance of $50,000 and less than $100,000 is charged an annual fee of $50; Level 5) highest 3-month average ledger balance of $100,000 or more is charged an annual fee of $25. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For Truist Wealth and Truist Asset Management Checking account clients, the annual fee will be discounted to $0. For Delta SkyMiles® cards opened before July 15, 2015 and not associated with a Truist Dimension Checking or Signature Advantage Checking Account, the annual fee is $95. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date. For more details, please see the Delta SkyMiles® Terms and Conditions.
Disclosure 6 To initially qualify requirements below must be met for the Negative Balance Buffer:
- Account must be opened for a minimum of 35 calendar days
- Account must be funded and have a positive balance
- A single direct deposit of at least $100 per month must be made for 2 consecutive months
To remain qualified for the Negative Balance Buffer, the requirement below must be met:
- A recurring direct deposit of at least $100 per month.
After qualifying, if two months pass without a Direct Deposit of at least $100, you will no longer have access to Negative Balance Buffer. For accounts that qualify for the Negative Balance Buffer and also have Overdraft Protection, Truist will use the Negative Account Buffer first. If the account has neither, transactions that exceed the account balance will be declined or returned. The Negative Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. Initial and ongoing eligibility requirements apply. If the Negative Balance Buffer is not available (and the account does not have Overdraft Protection), transactions that exceed the account balance will typically be declined or returned.
Disclosure 7 Interest rate reduction is off the standard rate of a consumer loan or line of credit. For the Truist Equity Line, this interest rate reduction does not apply to the promotional rate advances, Fixed Rate/Fixed Term advances, or during the Repayment Period. All loan and line discount offers are subject to change. Offer for new and refinanced consumer loans and lines of credit, as well as for credit line increases. Premier Banking interest rate reductions are not available on existing consumer loans or lines of credit and may not be applicable for all products. Consult your banker for details.
Disclosure 8 Loan programs and eligibility criteria are subject to change at any time without notice. Contact your loan officer for details.
Disclosure 9 Premier Mortgage requires a minimum of $100,000 in eligible assets after closing. Loans equal to or under $1 million require $150,000 per year in income; loans over $1 million require $250,000 per year in income. This product is not available in some states; please contact your loan officer for details.
Disclosure 10 Offered by Truist Investment Services, Inc.
Disclosure 11 Offered by Truist Life Insurance Services
