Pros
$100 Negative Balance Buffer Protection: Eligible clients can overdraw their account up to $100 with no overdraft fees
Multi-Tier Loyalty Rewards Boost: Account holders can earn up to 50% bonus on Truist credit card rewards redemptions based on their combined monthly balance across Truist accounts
Multiple Fee Waiver Options: There are multiple ways to waive the $12 monthly maintenance fee
Cons
International ATM Costs: Users pay both a $5 fee per international ATM withdrawal plus a 3% international transaction assessment fee
No 24/7 Support: Customer service with a live agent is unavailable on Sundays and restricted to 8am-8pm ET Monday-Friday, 8am-5pm ET Saturday or get 24-hour automated assistance