Truist One Checking review

Truist does not sell a separate student account; it points students to Truist One Checking and waives the $12 monthly maintenance fee for them. For the waiver, the student must be the primary owner and give an anticipated graduation date, and Truist says the waiver still applies after graduation while the owner is under 25. Truist One Checking charges no overdraft fees, and its Balance Buffer lets eligible clients overdraw by up to $100 once the account has been open 35 days and received a direct deposit of at least $100. Students get a free 10-pack of personal checks and can open Truist One Savings without a monthly maintenance fee. International students can open an account without a U.S. Social Security Number if they have proper documentation, which few banks here state as clearly. The account needs a $50 minimum opening deposit, and the fee returns after 25 unless another waiver applies.

Who it is for

students near Truist branches in the Southeast and Mid-Atlantic

Price

$12 monthly maintenance fee, waived for students.

The $12 monthly maintenance fee is waived for students.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• $12 monthly maintenance fee waived for students listed as primary owner
• No overdraft fees
• Balance Buffer lets eligible clients overdraw up to $100
• $50 minimum opening deposit
• International students can open without a U.S. Social Security Number with proper documentation

Strengths and weaknesses

• Strength: Fee waiver continues after graduation while you are under 25
• Strength: Free 10-pack of personal checks
• Strength: International students do not need a U.S. Social Security Number with proper documentation
• Weakness: $50 minimum opening deposit
• Weakness: The student must give an anticipated graduation date for the waiver
• Weakness: Branches are regional, not national

Key facts

• Monthly fee: $12, waived for students
• Minimum to open: $50
• Overdraft fees: None
• Balance Buffer: Up to $100 for eligible clients

Where it ranks

Truist One Checking is No. 7 in our Best Student Checking Accounts verdict.