Abstract: Truist is a financial services company established as a result of connecting the BB & T Bank and Suntrust Bank. Truist offers financial products and services for personal, small businesses, commercial, corporate and institutional clients. There are over 1,900 branches in the US and has a network of more than 2,900 ATMs.
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Truist -O’s basic check requires a minimum deposit for opening up to $ 50. It also charges a $ 12 maintenance fee, which can be renounced if you meet certain requirements. There are no fees for exceeding the accounts related to this account, and Truist offers a negative balance of $ 100, which allows clients who fulfill the conditions to exceed their account of up to $ 100.
Truist’s confidence account is designed to help customers build a strong financial foundation without compensation for account exceeding and without traditional checks on paper, helping account owners only spend the money they have. Requires a minimum deposit of $ 25, and comes with a maintenance fee of $ 5 (deceptive).
Truist One Savings Account requires a minimum deposit opening in the amount of $ 50 and charges a maintenance fee of $ 5, unless you meet the requirements to give it up. This account is currently paying 0.01% APY.
Truistic account for confidence saving requires a lower minimum opening in the amount of $ 25 and does not come with any monthly maintenance or exceeding fees.
The money market from Truist allows customers to earn interest on their balance. This account requires the minimum opening of deposits in the amount of $ 50 and a monthly maintenance fee of $ 12, which can be renounced by a minimum daily balance of $ 15,000.
Truist Bank offers CDs with concepts ranging from seven days to 60 months. A minimum deposit of $ 1,000 to $ 2,500 is required, depending on your CD term.
Credit and Debit Cards
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Visa Debit Card: Truist offers a personal debit card as well as Delta Skymiles Debit Card for customers who want to make miles and buy them for travel.
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Visa Gift Card: These are pre -paid cards up to $ 500. They can be used anywhere in the US where the visa is accepted.
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Credit cards: The Truist Credit Card offers includes a money card for a refund, rewards credit card, 0% Intro APR card, Travel Credit Card and a secured credit card.
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Personal loans: Truistine personal loans ranges from 8.45% to 17.29% APR without fees for the inhabitants and the minimum loan amount of $ 3,500.
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Vehicle loans: Truist offers loans for car, ship, RV and sea. Current rates range from 8.36% to 10.99%.
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Credit lines: Truist offers several different credit options, including credit lines for home capital and secured credit lines.
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Hypots: Truist offers personal mortgage, refinancing and home capital lines of credit.
Investment and retirement services
Truist offers automated investment and independent trade, as well as pension accounts and planning.
Truist partners with McGriff and Truist Life Insurance to offer home, car, motorcycles and ATV, pet insurance and more.
Here are some fees that you could encounter as a truest customer:
Here are some advantages and disadvantages coming with a truist banking:
Pros:
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No account exceeding fees: Truist does not charge exceeding fees For most of his accounts, including Truistic One check, truist savings, Truistic One Money Market account, Truistic Truste and Truist Confidence.
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Big network of branches and ATMs: Truist offers a network of more than 1,900 branches and 2,900 ATMs in more than 17 countries across the country.
Against:
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Account rates and information that are not easily accessible online: Truist does not post his network rates, which makes it difficult for potential customers to easily compare rates in banks and credit units.
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Monthly fees for account: Truist charges monthly fees for most of his accounts. Although there are ways to give up these fees, customers seeking a completely free account can prefer other options.
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Low deposit yields: With the exception of their money market accounts, most Truist Bank account offers low or no interest on balance.
Read more: 10 Best Free Checked Accounts available today
Truistic representatives of the user service are available to speak by phone at 844-4trist on weekdays from 8am to 8pm and Saturdays from 8am to 5pm. The bank also offers 24-hour automated assistance. Truist representatives can also be contacted through social media.
Truist Bank’s mobile application is available to download at the App Store and Google Play and has a 4.8 star rating at both stores.
Customers can use an application checking application, your money transfer between accounts, sending Zelle payments, checks deposits and more.
The Truist Bank emphasizes its commitment to the environment and the communities that serves on its pages of corporate responsibility and sustainability. Several of his key initiatives include his free financial education program for high school students and students: Truist life, money and elections. The Truisk Bank also helped strengthen the environmental initiative; It enabled $ 1.9 billion for financing for Glimini Solar project, and by 2050 he committed himself on a net zero show of greenhouse gases.
Read more: What is sustainable banking?
That. Truist is an institution provided by FDIC. The FDIC provides insurance insurance up to $ 250,000 by depositor, per institution, by category of ownership.
That. Truist customers can send and receive money through Zelle.
In order to avoid maintenance fee of $ 5, you will need to maintain a minimum daily balance of $ 300.
