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Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallStart with the fee waiver you already qualify for. Truist One Checking has a $12 monthly fee that can be waived through several routes; the Truist Confidence Account costs $5 per month and has its own deposit- and transaction-based waivers. One Checking is the more flexible fit if you want checks or may qualify for its conditional Balance Buffer. Confidence is designed to prevent most overdrafts and does not include paper checks. Neither account earns interest. The right choice depends on your deposits, qualifying transactions, existing Truist relationship and comfort with payments being declined.
Truist One Checking vs. Confidence Account
These accounts differ most in their monthly fees, waiver rules and handling of payments that exceed your balance. The figures below are published account terms; check the linked disclosures for current details before applying.
| Feature | Truist One Checking | Truist Confidence Account |
|---|---|---|
| Minimum opening deposit | $50 | $25 |
| Monthly maintenance fee | $12 per statement cycle; potentially waived | $5 per statement cycle; potentially waived |
| Ways to waive the fee | Qualifying direct deposits, eligible Truist balances or credit relationship, linked small-business checking, student status or age criteria | $500 or more in deposits, 10 qualifying transactions, student status or age criteria |
| Interest | None | None |
| Paper checks | Confirm availability in current account materials | Not available |
| Overdraft handling | No overdraft-related fees; eligible customers may receive a Balance Buffer of up to $100 | Designed to prevent most overdrafts; transactions above the balance typically are declined or returned |
| Relationship features | Tiered relationship pricing based on eligible balances and linked accounts | One Checking relationship levels do not apply |
For full account terms, see Truist’s One Checking disclosure and Confidence disclosure.
What you will pay each month
Truist lists a $12 fee for One Checking and a $5 fee for Confidence, with a $0 fee when you meet an applicable waiver condition. The bank’s Personal Deposit Accounts Fee Schedule, effective April 9, 2026, also says neither account has a monthly paper-statement fee. Neither is an interest-bearing account.
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One Checking fee waivers
Truist lists several ways to avoid One Checking’s monthly fee. You may qualify through at least $500 in qualifying direct deposits during a statement cycle; a combined ledger balance of at least $500 in specified eligible Truist deposit and investment accounts; a related Truist personal credit card, mortgage or consumer loan; a linked Small Business Checking account; student status; or the stated age criteria. Details and qualifying products are in the account disclosure.
Do not assume every incoming payment counts as a direct deposit. Truist’s definition excludes some transfers and deposits, including deposits made at a branch, ATM or by mobile deposit. Check the disclosure’s definition against the way you receive money before relying on this waiver.
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Confidence Account fee waivers
Confidence’s monthly fee can be waived with $500 or more in total deposits during the statement cycle, or at least 10 qualifying transactions. Truist defines qualifying transactions to include certain posted ATM withdrawals, payments and transfers, debit-card transactions, and Zelle payments; bank fees do not count. Student status and the stated age criteria are additional waiver routes. The Confidence disclosure sets out the complete definitions.
For a student waiver, the primary owner must be identified as a student and provide an anticipated graduation date. The waiver may expire afterward unless another condition applies. The under-25 waiver expires on the primary owner’s 25th birthday.
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Overdrafts, declined payments and the Balance Buffer
One Checking
Truist says One Checking has no overdraft-related fees and offers a Balance Buffer of up to $100 to qualifying clients. The buffer is conditional, not an automatic $100 cushion for every new account: eligibility includes account age, positive funding and a qualifying recent direct deposit, with additional initial and ongoing criteria in the current disclosure. Transactions above the available amount may still be declined or returned. Any linked overdraft protection may have separate terms under its credit agreement.
Confidence
Confidence is designed to prevent most overdrafts. Truist says that, in most cases, transactions that exceed the balance will be declined. That is not a guarantee that an account can never show a negative balance or that every transaction will be handled identically; see the Confidence account page and disclosure for the bank’s terms.
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This distinction matters if a declined card payment or returned transaction would create a problem. Compare the accounts based not only on whether they charge overdraft-related fees, but also on whether you need payments to proceed when your balance is low.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.One Checking relationship levels
One Checking has five relationship levels based on eligible portfolio balances. Truist’s fee schedule effective April 9, 2026 gives these ranges:
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Best Value
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
| Level | Eligible portfolio balance |
|---|---|
| Level 1 | $0–$9,999.99 |
| Level 2 | $10,000–$24,999.99 |
| Level 3 | $25,000–$49,999.99 |
| Level 4 | $50,000–$99,999.99 |
| Level Premier | $100,000 or more |
Truist says level calculations use eligible portfolio balances and may change according to the highest portfolio value of the previous three months. The fee schedule describes relationship pricing for additional eligible One Checking and One Savings accounts. Treat this as a benefit for customers who already have qualifying Truist balances or accounts—not as cash back or interest. See the fee schedule for details.
Which account fits your banking habits?
Consider One Checking if…
- You can meet one of its waiver conditions without holding an otherwise unnecessary balance or changing how you bank.
- You want access to checks; confirm availability and any terms in the current account materials.
- You may qualify for the Balance Buffer and value its limited, conditional protection.
- You already have eligible Truist balances or accounts that make its relationship pricing useful.
Consider Confidence if…
- You can reliably meet the $500-deposit or 10-qualifying-transaction waiver, or another waiver condition.
- You do not need paper checks.
- You prefer an account designed to decline or return most transactions that exceed the available balance, rather than treating overdraft approval as the priority.
Before opening either account, compare the fee waiver you can actually sustain with the account’s payment and check features. Truist’s checking overview and online account-opening page provide the bank’s current product and application information.
Is there a Truist checking bonus?
Truist’s checking page lists a $500 offer for eligible new One Checking or Marquee Checking clients, with an offer window of July 14, 2026 through February 2, 2027 and 120 days to complete qualifying activities. Enrollment and other requirements apply; opening an account alone does not earn the bonus. Promotions are time-sensitive, so review the live offer terms before applying and confirm that you meet every condition.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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