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Truist Review

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Should I use Truist?

Full-service national bank (SunTrust + BB&T merger) - truist.com

· 17 hours ago

Choose Truist only if you want in-person, full-service branch banking in its Southeast/Mid-Atlantic footprint. Savers chasing yield or fee-averse users should pick an online bank or credit union instead.

Confidence

Medium. Based on 25+ public sources: review sites, Reddit threads, official fee schedules, and breach disclosures.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support quality
  • Security posture

Pricing

$12/mo or $0 with waivers

Truist One Checking

ModelNot disclosed
Monthly fees$12/mo
HardwareNot disclosed
Free tierNo
Truist One SavingsBasic, low APY
Truist One Money Market$50 minimum opening deposit

Best for

  • In-person banking in the Southeast/Mid-Atlantic
  • Full-service households (checking, mortgage, wealth)
  • Existing SunTrust/BB&T customers staying put

Not for

  • Savers chasing high-yield APY
  • Fee-averse users who can't hit waivers
  • Online-only banking purists
  • Anyone needing fast, competent fraud support

Gotchas - check before you buy

high

Very low savings APY versus online banks, reviewers say

high

Users report long deposit holds and account freezes without warning

medium

Truist One Checking: $12 monthly fee plus $25 annual fee unless waivers apply

medium

2026 price changes hit packaged accounts starting January 1

Pros and cons

Pros

  • Full-service: checking, mortgages, wealth, and commercial banking under one roof
  • Mobile app with Zelle called one of its strongest assets
  • Truist One Checking has no overdraft fees
  • Fitch cites conservative credit culture and solid asset quality

Cons

  • High fees and minimal savings yields, reviewers conclude
  • Customer-service interactions widely described as negative
  • Confirmed customer-data breaches in 2023 and 2024
  • Users report unusually long deposit holds versus community banks
  • Fraud department criticized; accounts reportedly frozen or closed abruptly

Sources & method

- 12 sources - Regulated FDIC-insured bank with a security center, but two confirmed breach events since 2023.

official x2review x7security x1news x2
  • 2023 data breach, Cybercriminals offered Truist data for sale; the bank confirmed a 2023 breach.
  • 2024 third-party (FBCS) breach, Customer data exposed through collections vendor Financial Business and Consumer Solutions.
  • Reported scale of breach, A report circulating on Reddit says roughly 65,000 employee and customer records were involved.

Key stats

  • Value for money: 2/5

    Rating

  • $12/mo or $0 with waivers

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money: 2/5. Low savings APY, $12 checking fee, high-fee complaints
  • Ease of use: 3/5. App praised by some, clunky per others
  • Feature depth: 4/5. Deposit, mortgage, wealth, and commercial banking in-house
  • Support quality: 2/5. Widespread negative customer-service reports
  • Security posture: 2/5. Confirmed 2023 breach plus 2024 third-party exposure
  • 8.1/10 Aggregated score 13 sources (JumpSteps)
  • $12/mo Checking maintenance fee $0 with waivers; students under 25 exempt
  • 2 since 2023 Data breaches 2023 direct; 2024 via vendor FBCS

Pricing

Truist One Checking

$12/mo or $0 with waivers

  • No overdraft fees
  • Waived for students under 25
  • $25 annual fee per fee schedule

Truist One Savings

Basic, low APY

  • No-frills account
  • Minimal interest rates

Truist One Money Market

$50 minimum opening deposit

  • Money market rates
  • Branch and app access

Security

Regulated FDIC-insured bank with a security center, but two confirmed breach events since 2023.

  • 2023 data breachCybercriminals offered Truist data for sale; the bank confirmed a 2023 breach.⁸
  • 2024 third-party (FBCS) breachCustomer data exposed through collections vendor Financial Business and Consumer Solutions.⁹
  • Reported scale of breachA report circulating on Reddit says roughly 65,000 employee and customer records were involved.

What users say

Reviews skew negative — fees, low savings rates, and customer service draw the most complaints, while the mobile app and branch convenience earn some praise.

“This is a really lousy bank. They place unusually long holds on deposits vs other community banks.”
Reddit, r/TruistBank
“Truist's fraud department is a joke. I lost my card and within 20 minutes I realized it was lost”
Reddit, r/TruistBank
“When the bank rebranded itself as Truist, we noticed a change. I'm talking about a noticeable change,”
Reddit, r/TruistBank (12-year customer)

Alternatives

Compare Truist with each alternative.

  • Ally Bank

    Online bank with high-yield savings and no monthly maintenance fees.

  • Local credit unions

    Lower fees, real humans, fewer deposit-hold complaints.

  • Capital One 360

    App-first hybrid banking with better rates than Truist.

  • Marcus by Goldman Sachs

    Simple savings vehicle for yield-focused savers.

Full analysis

Based on 25+ public sources: review sites, Reddit threads, official fee schedules, and breach disclosures.

Full-service big bank with branches and a good app, but low APY, stacked fees, and weak customer-service reviews.

Methodology

Based on 25+ public sources: review sites, Reddit threads, official fee schedules, and breach disclosures.

Read how a report is made.

Sources

  1. Truist Bank Review [2026]: Full-Service Perks, Low APYsfinancebuzz.com
    review
  2. Truist Bank Review 2026: Full-Service Banking With Trade-Offslendedu.com
    review
  3. Read Customer Service Reviews of www.truist.comuk.trustpilot.com
    review
  4. Truist Bank Review in 2026: Is It Worth It?reddit.com
    review
  5. Truist One Savings Account Reviewfinder.com
    review
  6. Truist Bank Review 2025blog.walletmonkey.com
    review
  7. Is Truist Bank Good for Checking, Savings & Mortgages?jumpsteps.com
    review
  8. Truist bank confirms data breachmalwarebytes.com
    security
  9. Truist customer data exposed in third-party breachbankingdive.com
    news
  10. Truist Financial Corporation - Update (Fitch Ratings)fitchratings.com
    news
  11. Personal Checking: Truist One Checkingtruist.com
    official
  12. Personal Deposit Accounts Fee Scheduletruist.com
    official

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