Truist Bank Aiken Sc (2024)

FAQs

What credit score is needed for a Truist? ›

Truist's minimum credit score requirements are: 620 for conventional loans. 620 for FHA, USDA and VA loans. 680 for jumbo loans.

Truist Checking Bonus: Earn a $400 Bonus

Earn a $400 bonus when you open a new Truist One Checking account using promo code TRUIST400DC24 by October 30, 2024, 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..

Truist Bank Fees, Rates, and Financial Benefits

Truist Bank is one of the best banks for avoiding overdraft fees. Most national brick-and-mortar banks still charge overdraft fees when you overdraw from your bank account, and the bank covers your negative balance.

You don't need a certain credit score to open a Truist checking, savings or money market account, as there is no credit score requirement. Truist does not require a credit score for these accounts because they are deposit accounts, not loans or lines of credit.

Truist Bank doesn't publicly disclose many of its personal loan requirements, but it accepts borrowers with excellent credit (720 credit score or higher). Here's what you need to apply: Personal and contact information, including a U.S.-based cell phone number. Two years of address and employment history.

Truist Bank One Checking - $300

Receive a qualifying direct deposit of $500 or more within the first 90 days: Qualifying direct deposits include payroll checks and government benefits payments. Make 15 debit card purchases within the first 90 days: Those transactions must to be posted to your account within 90 days.

A checking account can affect your credit score positively if you sign up for an opt-in credit reporting program, or it can harm your score if you don't pay your overdrafts or fees. Otherwise, opening, closing or using your account typically won't affect your score either way.

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.

What is the minimum balance for Truist Bank? ›

$0 monthly maintenance fee if you: Have any related ¹ Truist personal checking account OR. Maintain a minimum daily ledger balance of $300 ^2, or more OR. Schedule a preauthorized internal transfer of $25 or more per statement cycle OR.

Is Truist Bank safe from collapse? Truist Bank was rated as "stable" by S&P, Moody's, Fitch, and DBRS Morningstar, meaning it's likely safe from collapse.

You can use Zelle® if you have Truist Simple Business Checking, Truist Community Checking, Truist Dynamic Business Checking, Commercial Suite Checking, Analyzed Checking, Truist Simple Business Savings, or Truist Business Money Market.

Charlotte, NC

Truist Financial / Headquarters

Visit Bank You cannot close your bank account online. You need to visit your home branch where you opened the account. So you need to walk into the home branch where you have an account and request them for account closure.

You understand and agree that you are providing instructions to Truist under the Fair Credit Reporting Act (“FCRA”) to access information from your personal credit profile or other information from one or more consumer reporting agencies such as Equifax, Experian, or TransUnion.

Truist doesn't list a minimum credit score requirement, but it may conduct a hard credit pull when evaluating your application. Hard credit inquiries are common when you apply for credit and temporarily knock a few points off your credit score.

Preapproval is based on non-verified information and is not a commitment to make you a loan by Truist.

Truist One Checking has a $50 minimum opening deposit.