Truist One
Savings Account
A simple, everyday savings account with automated tools that help you build momentum toward your goals.
Great for savers who want predictable progress, automatic transfers, and no overdraft transfer fees.
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Key Benefits
Easy to start, automate, and stick with.
Truist One Money Market Account
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A higher-earning savings option for growing larger balances while keeping your money accessible.
Great for savers who want competitive rates, check-writing access, and flexibility without locking up their funds.
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Key Benefits
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Higher yield meets everyday access.
Truist Confidence Savings Account
An account designed to help new or rebuilding savers build financial confidence with guardrails and simple tools.
Great for savers who want a low-risk place to start, with features that encourage consistent contributions.
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Key Benefits
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Build confidence, build consistency.
Still not sure which account is right for you?
Benefits that build better lives, in every account.
The cash in your Truist One Savings account can help you get extra benefits in your Truist One Checking account.
Personal Checking Benefits
Low Maintenance Growth
Watch your balance grow by setting automatic transfers—we’ll add to it with interest.
Extra Overdraft Protection
Link your savings account to your personal checking account for Overdraft Protection with no overdraft transfer fees.
Track Your Progress
With online and mobile banking, you’ll be able to check on your savings account whenever you want.
Check out Truist One Checking
We changed how we thought about checking accounts
—so you don’t have to think about them again.
Truist One Checking has benefits you care about—no overdraft fees, Balance coverage when you accidentally overspend, and a credit card loyalty bonus. The best part? The benefits increase as your balances grow. Automatically.
We don't charge fees if we don't have to ...and we're open about the fees we do have.
Monthly Maintenance Fees $0-12
​Overdraft Item Fees $0​
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Standard or Expidited ACH Transfers $0​
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Incoming Wires (Domestic & International) $0​
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Official / Cashier's Checks $0​
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Excessive Transaction Fees $0
Expidited Delivery $0
Stop Payments $0​
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Outgoing Domestic Wires $0​
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Want to read the fine print?
See how we compare
Our purpose is to help you build better - Take a look
One Savings Account
3.4%
Yes
Yes
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People are talking...
and they like building with Truist. See for yourself.
4.4 (5,419 Reviews)
Average Rating
MOST HELPFUL
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10-Year Saver – Truist Keeps It Simple
I’ve banked with Truist for a decade now, and their Truist One Savings has quietly become my “set it and forget it” account. I opened it with the $50 minimum and set up an automatic $50 transfer from my checking every payday—easy way to dodge the $5 monthly fee and watch the balance grow without thinking about it. I also like knowing it’s linked as overdraft protection to my checking, so if I slip up, the money slides over automatically instead of triggering a fee frenzy.
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–SaverDad42 on 11/18/2025
MOST RECENT
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Perfect Home for My Emergency Fund
I opened a Truist One Savings this year just to finally build a real emergency fund, and it’s been surprisingly motivating. The app makes it easy to schedule recurring transfers each month, and having a separate savings account just for “life happens” money keeps me from dipping into it. I know the rate isn’t the highest out there, but the no-hassle fee waivers and the ability to keep six withdrawals a month without extra charges make it a solid, low-stress place to park my safety net.
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–NewToSaving2025 on 12/4/2025
HIGHEST RATING
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Confidence Savings =
No-Fee Peace of Mind
I switched my everyday banking to a Truist Confidence checking account and opened the paired Confidence Savings at the same time—honestly, I love that there’s no monthly fee to worry about. I use the savings side as a “big purchase” fund, moving small amounts over with every paycheck and letting it sit there until I’m ready for a vacation or home project. With overdraft-related fees off the table on this combo and simple rules around withdrawals, it feels like a very forgiving setup while I’m still getting my financial routine together.
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–BudgetNerdATL on 10/29/2025
It's okay to have questions
Here's some that we get the most.
Frequently Asked Questions
What’s the difference between a savings account and a money market account? --- Savings accounts are designed for everyday saving with simple automation, while money market accounts generally offer higher interest rates and more flexible access.
Which Truist savings account is best for building an emergency fund? --- Truist One Savings is ideal due to automation and ease of use.
What account should I choose for a big purchase? --- Truist One Money Market Account typically offers higher earnings for larger balances over longer timelines.
What is the best account for new savers? --- Truist Confidence Savings provides structure and support for developing saving habits.
Does opening a Truist savings account affect my credit? --- No — opening a savings account does not impact your credit score.