Pros
$100 Negative Balance Buffer Protection: Eligible clients can overdraw their account up to $100 with no overdraft fees¹
Multi-Tier Loyalty Rewards Boost: Account holders with a Truist credit card can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus based on their credit card product type, the method by which they redeem, and their deposit relationship(s) at Truist
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 Live 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