Truist overdraft fee

Where the $36 applies

Opened 20 October 2026. The schedule prints an overdraft fee of $36.00 per item, per occurrence. Truist limits total overdraft fees to three per day. It waives overdraft fees on transactions that are less than $5. The note says this fee does not apply to Truist One Checking, Truist One Savings, Truist One Money Market, the Truist Confidence Account, Truist Confidence Savings, Secured Credit Card Savings, Truist Marquee Checking, or the Truist Wealth Money Market Account.

A further note says one overdraft fee is waived per month for Truist Asset Management Accounts. The fee applies to overdrafts created by checks, in person withdrawals, ATM withdrawals, or other electronic means. Overdraft protection transfer has no transfer fee on that schedule. For a link to a line of credit or a credit card, the schedule says funds advanced are subject to the fees and finance charges in that credit agreement.

Truist's banking facts page describes the same $36 when a transaction is more than the available balance and is paid with negative funds, the same under $5 waiver, and a cap of three a day. It says Truist One Checking and the Truist Confidence Account have no overdraft or overdraft related fees. It also says Truist pays overdrafts at its discretion. If Truist does not pay the item, the transaction is declined or returned. ATM and one time debit card transactions may create an overdraft fee only if you accepted overdraft coverage. The facts page is the plain language version. The fee schedule is the account list.

The $0 result for Truist One Checking is already on how to waive a Truist monthly fee and in US overdraft fees by bank. Do not copy the $36 onto Truist One. Match the account name on the statement.

The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the bank.

Questions

Does every Truist account pay $36 for an overdraft?

No. The 28 September 2026 fee schedule says the $36 fee does not apply to Truist One Checking, Truist One Savings, Truist One Money Market, Truist Confidence Account, Truist Confidence Savings, Secured Credit Card Savings, Truist Marquee Checking, or Truist Wealth Money Market.

How many overdraft fees can Truist charge in one day?

The schedule limits total overdraft fees to three per day. It also waives the fee on a transaction that is less than $5.

Is there a fee to transfer from another Truist account for overdraft protection?

The same schedule prints no overdraft protection transfer fee when the protector account is a Truist deposit account, credit card, or line of credit. A credit card or line of credit can still charge its own fees and interest under that agreement.

Sources

• Truist personal deposit accounts fee schedule, 28 September 2026 (PDF)
• Truist: banking facts

Related guides

• US overdraft fees by bank
• How to waive a Truist monthly fee
• Overdraft and NSF fees by bank
• How to ask your bank to refund a fee