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$400 opening a Truist checking account with qualifying direct deposits
https://www.truist.com/checking/t...ne-banking
Earn $400 for opening a new Truist One Checking account online from 4/17/23 through 6/1/23 and completing at least 2 qualifying Direct Deposits* totaling $1,000 or more within 90 days of account opening..
Enrollment in the promotion is required at the time of account opening using promo code TRUISTCHKQ223. Please refer to the Account Opening and Enrollment section below for instructions..
*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.
Offer Eligibility: 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, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.
Reward Processing: The reward will be deposited into the new checking account within 4 weeks of verifying the Direct Deposit qualification requirement. 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: The new checking account must remain open and in good standing with a balance ≥$0.01 until the reward is processed in order to receive the reward. 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 processed, or (3) the new checking account has a 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 1/31/24 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 landing page and start an online application. Enter TRUISTCHKQ223 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.
Version 1 03172023 TRUISTCHKQ223
2 Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees
3 The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100.
All eligibility requirements below must be met to initially qualify for the $100 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 $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.
4 Refer to the Account Overview Guides, opens in new tab and the Personal Deposit Accounts Fee Schedule, opens in new tab for detailed information regarding each feature, benefit and/or fees listed for each product.
5 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 Premier and Wealth 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.
6 Total monthly average ledger 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 and up
7 The Delta SkyMiles® Debit Card annual fee is charged 45 days after the open date of the card. For Truist One, existing Truist Dimension and existing Signature Advantage 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 includes 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, existing Truist Dimension and existing Signature Advantage Checking, we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee. Annual fee tiers are defined as follows: a) highest 3 month average ledger balance of less than $25,000 is charged an annual fee of $95 b) highest 3 month average ledger balance of $25,000 and less than $100,000 is charged an annual fee of $75 and c) 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 One, 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.
8 The non-Truist ATM transaction fee is charged per withdrawal, balance inquiry or transfer when using a non-Truist ATM.
Disclosures
Truist Bank, Member FDIC. © 2023 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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
Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members FINRA, opens in new tab SIPC, opens in new tab and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.
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, opens in new tab.
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.
Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA, opens in new tab and SIPC, opens in new tab. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.
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. Truist offers the following resources for consumers that have Limited English Proficiency:
Multilingual teammates available at our Multicultural Banking Centers
Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
Phone assistance 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., opens in new tab
Limited English Proficiency Support
New York City residents
Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:
The Consumer Financial Protection Bureau (CFPB) offers help in more than 180 languages, call 855-411-2372 from 8 a.m. to 8 p.m. ET, Monday through Friday for assistance by phone.
CFPB additional resources for homeowners seeking payment assistance in 7 additional languages: Spanish, Traditional Chinese, Vietnamese, Korean, Tagalog, and Arabic.
www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/ [consumerfinance.gov]
Earn $400 for opening a new Truist One Checking account online from 4/17/23 through 6/1/23 and completing at least 2 qualifying Direct Deposits* totaling $1,000 or more within 90 days of account opening..
Enrollment in the promotion is required at the time of account opening using promo code TRUISTCHKQ223. Please refer to the Account Opening and Enrollment section below for instructions..
*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.
Offer Eligibility: 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, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.
Reward Processing: The reward will be deposited into the new checking account within 4 weeks of verifying the Direct Deposit qualification requirement. 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: The new checking account must remain open and in good standing with a balance ≥$0.01 until the reward is processed in order to receive the reward. 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 processed, or (3) the new checking account has a 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 1/31/24 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 landing page and start an online application. Enter TRUISTCHKQ223 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.
Version 1 03172023 TRUISTCHKQ223
2 Overdraft related fees are considered overdraft fees, returned item fees, negative account balance fees, or overdraft protection transfer fees
3 The $100 Negative Balance Buffer is only available with Truist One Checking and allows eligible clients to overdraw their account up to $100.
All eligibility requirements below must be met to initially qualify for the $100 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 $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.
4 Refer to the Account Overview Guides, opens in new tab and the Personal Deposit Accounts Fee Schedule, opens in new tab for detailed information regarding each feature, benefit and/or fees listed for each product.
5 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 Premier and Wealth 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.
6 Total monthly average ledger 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 and up
7 The Delta SkyMiles® Debit Card annual fee is charged 45 days after the open date of the card. For Truist One, existing Truist Dimension and existing Signature Advantage 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 includes 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, existing Truist Dimension and existing Signature Advantage Checking, we will use the highest average monthly ledger balance of the 3 most previous months to determine your annual fee. Annual fee tiers are defined as follows: a) highest 3 month average ledger balance of less than $25,000 is charged an annual fee of $95 b) highest 3 month average ledger balance of $25,000 and less than $100,000 is charged an annual fee of $75 and c) 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 One, 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.
8 The non-Truist ATM transaction fee is charged per withdrawal, balance inquiry or transfer when using a non-Truist ATM.
Disclosures
Truist Bank, Member FDIC. © 2023 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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
Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members FINRA, opens in new tab SIPC, opens in new tab and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.
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, opens in new tab.
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.
Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA, opens in new tab and SIPC, opens in new tab. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.
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. Truist offers the following resources for consumers that have Limited English Proficiency:
Multilingual teammates available at our Multicultural Banking Centers
Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
Phone assistance 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., opens in new tab
Limited English Proficiency Support
New York City residents
Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:
The Consumer Financial Protection Bureau (CFPB) offers help in more than 180 languages, call 855-411-2372 from 8 a.m. to 8 p.m. ET, Monday through Friday for assistance by phone.
CFPB additional resources for homeowners seeking payment assistance in 7 additional languages: Spanish, Traditional Chinese, Vietnamese, Korean, Tagalog, and Arabic.
www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/ [consumerfinance.gov]
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The company is terrible. I got stuck with them when they bought-out my local bank. They soon after closed my account and did not tell me. I kept getting statements showing money in the account every month. When I wrote a check on the account, it bounced. I don't have access to my money now but the statements keep coming.
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1. takes you to diff link/url
2. I tried using the code on the truist itself and get the error
Unfortunately, the promo code you entered is invalid or expired. Would you like to continue your application without a promo code?
Promo code: TRUISTCHKQ223