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- Checking & savings

#### Checking

- Truist One Checking
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#### Savings

- View all savings options
- Truist One Savings
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#### Banking services

- Premier banking
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- Zelle®
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- Setting up your Truist Checking Account

#### Additional services

- Health Savings Account (HSA)
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#### Like carrying a branch—but lighter.

Make deposits, move money, and do so much more with digital banking.

See what you can do.
- Credit cards

#### Our products

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#### Offers

- Check for Offers

#### Got a minute? Check for offers.

See if you're pre-qualified for a Truist credit card.

Check now—without impacting your credit.
- Loans

#### LightStream personal loan

- LightStream unsecured loan overview
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#### Vehicle loans

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#### Resources

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#### A debt consolidation loan puts you in control.

Trade higher-interest debt for one payment at a lower rate.

Explore loans from Truist.
- Mortgage

#### For homebuyers

- Personal mortgage
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#### Mortgage loans we offer

- Home Equity Line of Credit
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- Affordable lending options

#### Manage your mortgage

- Getting started
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#### For business partners

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#### Make your move.

Save big on a new mortgage or refinance.

See today's interest rates.
- Investing & retirement

#### Investing

- Investing services
- Truist Invest
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#### Retirement

- Retirement planning
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#### Premier banking

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#### Investing—thoughtfully.

Learn from our advisors.

Dig deeper. Check out Truist Investing Retirement.
- Premier Banking
- Money and Mindset

- Life's moments overview
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- Money principles overview
- The mind-money connection
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- Budgeting by values
- Outsmarting debt
- Protecting what matters
- Investing in your values
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- Homeowning happiness
- Living and working my passion
- Paying it forward
- Overcoming overdrafts

#### Podcast: Money and Mindset with Bright and Brian

Listen in

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# Personal & Commercial Banking, Credit Cards, Loans & Investments

Truist One Checking No overdraft fees. Practical perks. Automatic upgrades.

Learn more about Truist One Checking account. Open now a Truist One Checking account.

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Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR.Disclosure 2, Disclosure 3 After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate.Disclosure 2, Disclosure 3 Excellent credit is required to qualify for the lowest rates.

## What can we help you with?

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- Checking
- Savings
- Credit Card
- Small Business
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- Mortgage
- Premier Banking
- Investments

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View all products

### Truist One Money Market Account

#### Turn spending season into saving season.

Deals come and go but smart savings last. Open a Truist One Money Market Account today.

Open now to get started with a Truist One Money Market Account.

Learn more about Truist One Money Market Account.

### Truist One Checking

#### Relax—your checking account's got you covered.

Everyday checking essentials, plus built-in extras with automatic upgrades.

Open now to get started with a Truist One Checking account.

Learn more about Truist One Checking.

### Truist One Savings

#### Pass the savings around.

Open a Truist One Savings account to start building a cushion for the moments—and meals—that matter most.

Open now to get started with a Truist One savings account.

Learn more about a Truist One Savings account.

Home Equity Understand your home equity options.

Your home’s value is more than just a number. It’s potential.

Find out more to access home equity.

LightStream unsecured loan Explore the possibilities.

Consolidate debt, improve your home, or manage big expenses with a low fixed-rate loan—and no fees. Good-to-excellent credit required.

Apply now for a LightStream unsecured loan. Learn more about LightStream unsecured loans.

Zelle No gift-wrapping needed. Use Zelle®.

Zelle® makes it easy to send money gifts right from your phone.Disclosure 1

Sign in to use Zelle® to use Zelle® Learn more about Zelle®.

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 offers.

## 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.

### Let your light shine.

Hit all the right notes with someone by your side who knows a lot and cares even more.

Start feeling unstoppable with your goals.

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Transcript

**FRIEND:** Hey. Your voice is amazing. Let ’em hear it.

**VO:** When you work with someone who knows a lot and cares even more…

**FRIEND: T**hree. Four.

**MUSIC:** Give me a word

Give me a sign

Show me where to look

Tell me, what will I find?

**VO:** …you’re unstoppable.

**MUSIC:** Whoa, Heaven let your light shine down

Shine down, yeah

Whoa

**CLIENT:** I’m just getting started.

**TEAMMATE:** Well, I’m here to help.

**VO:** At Truist, we believe the same is true for banking.

**LOGO:** Truist

**END CARD:** Leaders in banking. Unwavering in care.

**LEGAL:** Truist Bank, Member FDIC. © 2025 Truist Financial Corporation.

Leading based on Truist ranking as a top 10 U.S. commercial bank as of 12/31/24

## See the power of care.

Football players are known for their expertise on the field. But what about in their communities? See how Bradley Chubb and Bijan Robinson use their knowledge and care to support local kids in Miami and Atlanta.

Watch Beyond the Field

## 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 to learn more.

### 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.

### 7 tips for starting a side hustle

Can you turn your skills into new income? These tips can help you start your side hustle journey.

Go for it and start your side hustle.

Eligibility requirements apply for the Negative Balance Buffer

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Disclosures

Disclosure 1 For your protection, Zelle® should only be used to send money to friends, family, and other people or businesses you trust. Payments made with Zelle® are like sending cash and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. A U.S. checking or savings account is 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®. To send and receive money with a small business, both parties must be enrolled in Zelle® directly through their financial institution's online or mobile banking experience. For more information, view the Truist Online and Mobile Banking Services Agreement or for small business clients, view the Truist Online and Mobile Banking for Business Service Agreement. There is no fee to send money with Zelle® through your enrolled Truist business bank account. However, Zelle® payments to your business account will be charged a 1.0% fee (maximum fee of $15 per transaction). See Truist's Business Deposit Accounts Fee Schedule for additional information. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

†† The 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 Balance Buffer, the requirements below must be met:

- 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 made within the last 35 calendar days

To **REMAIN QUALIFIED** for the Balance Buffer, the requirement below must be met:

- A single direct deposit of at least $100 made within the last 35 calendar days. **After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.**

For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.

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

Disclosure \* If you’re approved for a LightStream loan, you’re required to use the loan proceeds for the purpose selected in your loan application. Loan proceeds cannot be used to refinance an existing LightStream loan; fund college or post-secondary education expenses, or refinance loans used for those purposes; for business purposes; for cash out refinance purposes; to buy bonds, stocks, stock options, or pay back a loan against a stock option; contribute to a retirement account, life insurance policy, or education savings plan; or to purchase cryptocurrencies. Funding and payments must be made to and from your personal banking account.

Disclosure ‡ **Terms and Conditions for Truist One Checking $400 Online Offer Q4 2025 and Q1 2026: DC400TR1Q425**

**Offer Information:** Open a new Truist One Checking account **online** from 10/30/25 through 3/25/26, complete the following activities within 120 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 two qualifying direct deposits\* totaling $2,000 or more **AND**
- Complete at least 20 qualifying debit card purchases\*\* within 120 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 **DC400TR1Q425**. Please refer to the Account Opening and Enrollment section below for full instructions.

\*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH.  Person to person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized 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 any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals 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 10/30/24 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 physical 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. 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 new checking account is changed to an account type not included in this client offer (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met.

**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 its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 3/31/27 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made. All standard account terms and conditions apply.

**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 **DC400TR1Q425** 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 09162025 **DC400TR1Q425**

©2025 Truist Financial Corporation. TRUIST, the Truist logo and Truist Purple are service marks of Truist Financial Corporation. All rights reserved. Truist Bank, 214 N Tryon St., Charlotte, NC 28202.

## Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo 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 Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. 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, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC 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 and SIPC. 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.

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. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support 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.

### Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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