Best Checking Accounts Of July 2024

Truist:

Terms and Conditions for the 2024 Truist One Checking $400 Affiliate Offer: TRUIST400AFL24

Offer Information: Open a new Truist One Checking account online from 2/28/24 through 6/26/24, 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 TRUIST400AFL24. 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 2/28/25 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 TRUIST400AFL24 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.

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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.

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

Option 1: 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.

Option 2: 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.

Option 3: Having a personal Truist credit card, mortgage or consumer loan, excluding LightStream®.

Option 4: 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.

Option 5: 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.

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.

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Corporation.