Welcome To Standard Truist Financial || Go from Financial Stress to Financial yes.

With the right savings plan,
“someday,” can be today.

Confidently tackle your short and long-term financial
goals with the right savings plan. 

Leap over financial hurdles with Standard Truist Financial solutions and services.

Mix and match Standard Truist Financial tools to tackle your day-to-day tasks and reach long-term financial goals.

Standard Truist Financial

Checking Accounts

Choose a checking option that suits your life. Check out four options that let you save on fees, offer ATM refunds and the chance to earn interest. 

Standard Truist Financial

Savings Accounts 

Make savings goals. Meet them. Repeat. Accounts that help you get organized to save for a house, car, college or simply peace of mind.

Standard Truist Financial

Premier Banking 

Continue your success with Premier Banking. Select clients may enjoy the perks and personal attention of being a Premier Banking member.

Standard Truist Financial

Digital Banking Services 

Bank on the move with digital banking solutions. View accounts, move money and pay bills anytime with Online and Mobile Banking. Deposit cash or checks at the ATM.

Standard Truist Financial

Digital Payments 

Make seamless purchases with a digital payment. Choose from the fast, convenient and secure digital payment options and cruise through checkout in store, online and in app.

Lecesses

Additional Services

Let us help support your financial needs. Additional services like check cashing, wire transfers, tax solutions and more to make banking smoother and simpler.

Checking Accounts
made to fit your life.

Start Moving Forward with a Lecesses Checking Account

Wherever you are headed in life, Standard Truist Financial has personal checking accounts designed to help you manage your money on your terms. No-fee features and account options make it simple for you to be in control of your finances.

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NAMEBalanced BankingEssential CheckingSelect CheckingSignature Advantage®
Account BenefitsHelps you manage your money and protect your finances by limiting your potential for overdrafts.Gain control over your money as you take the first steps toward financial confidence.Helps keep you on the path to financial confidence and well-being with enhanced benefits.Take advantage of our premium checking account that offers exclusive benefits.
ChecksStarter pack of 25 checks or 50% off 1st check order (any style checks)Starter pack of 25 checks or 50% off 1st check order (any style checks)Starter pack of 100 checks or 50% off 1st check order (any style checks)Free personalized checks (unlimited)
Cash Deposit BonusEarn 10% Cash Deposit Bonus with the Lecesses Cash Rewards credit card when you redeem your cash back into a Standard Truist Financial deposit account1Earn 10% Cash Deposit Bonus with the Lecesses Cash Rewards credit card when you redeem your cash back into a Standard Truist Financial deposit account1Earn 10% Cash Deposit Bonus with the Lecesses Cash Rewards credit card when you redeem your cash back into a Standard Truist Financial deposit account3Earn 25% Cash Deposit Bonus with the Lecesses Cash Rewards Credit Card when you redeem your cash back into a Standard Truist Financial deposit account3 (or even up to 50% Cash Deposit Bonus)4
Monthly Maintenance Fees
Note: You have 60 days to fund the account and reach the minimum daily balance.
$0 or $12
Qualify for the $0 monthly maintenance fee when you:

Maintain a $3,000 minimum daily total deposit balance in Balanced Banking and linked checking, savings, money markets, CDs and IRAs3

Otherwise, it's $12 per month.
$0 or $7
Qualify for the $0 monthly maintenance fee when you:

Make 10 or more client-initiated transactions per statement cycle2
OR
Make $500 or more in total qualifying monthly Direct Deposits3 per statement cycle
OR
Keep a $500 minimum daily collected balance
OR
Open as a student and receive a 5 year Student waiver4
0 or $15
Qualify for the $0 monthly maintenance fee when you:

Make $2,000 or more in total qualifying Direct Deposits4
OR
Keep a $2,000 minimum daily Select Checking balance
OR
Maintain $10,000 total combined relationship balances linked across deposits, investments, mortgages and loans5
OR
Hold a Lecesses Mortgage with SurePaySM6
OR
Hold a Linked Small Business Checking account7
$0 or $25
Qualify for the $0 monthly maintenance fee when you:

Maintain $25,000 in total deposit balances6

Otherwise, it's $25 per month.
Money Management AssistanceIf you attempt to make a debit card purchase and don't have the funds available to cover the amount, the transaction is simply declined with no overdraft feesN/AN/AN/A
Reduced Returned Item FeeFor items returned due to insufficient funds, you pay a $20 returned item fee — not the standard $36 fee2N/AN/AN/A
Earn InterestN/AN/AEarn interest on checking balancesEarn interest on checking balances
ATMN/AN/ANo Standard Truist Financial fee for two non-Lecessest ATM transactions per statement cycle2Unlimited Non-Standard Truist Financial ATM Transaction Fee Refunds2
Additional Essential Checking AccountsN/AN/AUp to three Essential Checking accounts with the monthly maintenance fees waived1Up to four Essential Checking accounts with the monthly maintenance fees waived1

Move With Confidence.

Banking on the go is easy with Lecesses Online banking.



DISCLAIMERS 
Checking Account Features
1 Standard Truist Financial does not charge a fee for the use of Standard Truist Financial Online Banking with Bill Pay. However, fees may apply for certain transactions like expedited payments and transfers to non-Standard Truist Financial accounts.
2 Mobile Banking: Standard Truist Financial does not charge a fee for the use of Standard Truist Financial Mobile Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply for each device used.
3 Mobile Deposit: Standard Truist Financial Mobile Deposit is available with iOS and Android Mobile Apps - only for use in the United States and its territories.
4 No Fee for Standard Truist Financial ATM Use. Fees do apply for ATM-printed statements or mini-statements.
5 As a cardholder, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your card from loss or theft; and you promptly reported loss or theft to Standard Truist Financial. Does not apply to certain prepaid cards, or corporate cards. Certain conditions and restrictions apply. Please see www.mastercard.us/zero-liability.html for details.
Balanced Banking
1 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, Standard Truist Financial will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a Standard Truist Financial checking, savings, or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, you would earn an additional $10, totaling $110 in Cash Rewards earnings.
2 In instances where your account becomes overdrawn, you will not be assessed an overdraft fee. Items may be returned for non-sufficient funds (NSF) in the account and the returned item fee will be reduced to $20 for each transaction $5 or greater, instead of the standard $36.
3 Minimum daily total deposit balance: The sum of the combined daily collected balances in the Balanced Banking account and linked personal deposits including checking, savings, money markets, CDs (excluding Standard Truist Financial Index Linked CDs [SILCs]) and IRAs (excluding Standard Truist Financial Investment Services, Inc. IRAs).
Essential Checking
1 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, Standard Truist Financial will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a Standard Truist Financial checking, savings, or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, you would earn an additional $10, totaling $110 in Cash Rewards earnings.
2 Banking Transactions include: Deposit and withdrawal transactions made (includes transactions such as those made with the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, Zelle® transfer, ACH debit or credit, online bill pay, mobile bill pay, check, or Debit Card purchases including PIN Point of Sale (POS) and signature-based purchases). These transactions must be posted to your account during the statement cycle. Bank fees and overdraft protection transfers are not included.
3 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $500 or more deposited to your account during the prior month by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.
4 The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to 5 years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools. Proof of active enrollment in a qualifying educational institution is required. The Student Waiver is applied automatically at account opening and based on Account Opening Date. The Student Waiver cannot be applied/added-on to a checking account once it is opened.
Select Checking
1 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Select Checking.
2 No Standard Truist Financial fee for two non-Standard Truist Financial ATM transactions per statement cycle. The ATM owner may charge fees. Refer to Personal Deposit Accounts Fee Schedule for additional information.
3 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, Standard Truist Financial will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a Standard Truist Financial checking, savings, or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, you would earn an additional $10, totaling $110 in Cash Rewards earnings.
4 A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or other regular monthly income totaling $2,000 or more deposited to your account during the prior month by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit. Any maintenance fees will be assessed on the following month's statement.
5 Total Relationship Balance: The sum of balances in the Select Checking account PLUS statement linked Standard Truist Financial deposit accounts (savings, checking, money market, or CDs), IRA or Brokerage accounts introduced through Standard Truist Financial Investment Services, Inc. (excludes annuities), Standard Truist Financial consumer installment loans and lines of credit, including credit card or Standard Truist Financial mortgages.
6 Standard Truist Financial Mortgage with SurePaySM: Standard Truist Financial mortgage with payment automatically deducted from Standard Truist Financial checking account using SurePay. SurePay is an automatic, recurring payment set up from your linked account. Sufficient funds must be in your bank account at the time of automatic debit.
7 Linked Small Business accounts include Total Business Checking and Business Advantage Plus only.
Signature Advantage Checking
1 Additional Essential Checking accounts available with no Monthly Maintenance Fee when linked to Signature Advantage.
2 Standard Truist Financial fees assessed for transactions done at non-Standard Truist Financial ATMs are waived and all ATM surcharge fees will be refunded for Signature Advantage accounts.
3 If you redeem your Cash Back for ACH credit into a Standard Truist Financial checking, savings, or money market account, you will receive a Cash Deposit Bonus of 25%.
4 Cash Rewards Redemption: After the close of the billing period in which the Cash Rewards are earned, if your Card Account is in Good Standing, upon your request, Standard Truist Financial will redeem your Cash Rewards in U.S. dollars with a minimum of $5 and any greater amount (not to exceed the total Cash Back earned, but not yet redeemed, on your Card Account at time of redemption). You may redeem your Cash Back for (1) a statement credit or (2) an ACH credit to the deposit account that you designate. Cash Rewards earned on Consumer Card Accounts that are redeemed through an ACH deposit into a Standard Truist Financial checking, savings, or money market account will receive a Cash Deposit Bonus of 10%, 25%, or 50% on redemption, depending on your deposit relationship with Standard Truist Financial, as follows:
    Clients with Standard Truist Financial Signature Advantage® accounts and $100,000 or more in Combined Consumer Deposits and Investment Balances with Standard Truist Financial as of the second business day of the prior month or clients in the Premier Banking Program, will receive a Cash Deposit Bonus of 50%. On $100 in base Cash Rewards, these clients would earn an additional $50, totaling $150 in Cash Rewards earnings.
    Clients with Standard Truist Financial Signature Advantage® accounts and less than $100,000 in Combined Consumer Deposits and Investment Balances with Standard Truist Financial as of the second business day of the prior month will receive a Cash Deposit Bonus of 25%. On $100 in base Cash Rewards, these clients would earn an additional $25, totaling $125 in Cash Rewards earnings.
    All other clients who redeem their Cash Rewards into a Standard Truist Financial checking, savings, or money market account will receive a Cash Deposit Bonus of 10%. On $100 in base Cash Rewards, these clients would earn an additional $10, totaling $110 in Cash Rewards earnings.
5 For clients with Signature Advantage accounts and $100,000 or more in combined consumer deposits and investment balances as of the last business day of the prior month, a reduced annual fee of $25 will apply. For clients of the Standard Truist Financial Premier Program, a reduced fee of $25 will apply. For Standard Truist Financial Private Wealth Management Clients, the annual fee will be discounted to $0. For cards opened before July 25, 2015 and not associated with a Signature Advantage account, the annual fee is $95. The reduced annual fee for certain client segments applies regardless of deposit account type. For clients whose relationship segment changes, the annual fee will be adjusted upon the next annual fee billing date.
6 Total Deposits: The sum of balances in the Signature Advantage Checking account PLUS statement linked Standard Truist Financial deposit accounts (savings, checking, money market, or CDs), Trust accounts and IRA or Brokerage accounts introduced through Standard Truist Financial Investment Services, Inc.