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Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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Updated August 2026.
Does Truist charge an overdraft fee? No. Truist One Checking and Truist Marquee Checking both list $0 overdraft-related fees. If a transaction would overdraw you beyond any cushion or linked protection, Truist generally declines or returns it instead of charging a fee. Truist One Checking also offers a $100 Balance Buffer for qualifying customers. Marquee Checking does not.
| Item | Truist One Checking | Truist Marquee Checking |
|---|---|---|
| Overdraft fee | $0 | $0 |
| NSF / returned item fee | $0 | $0 |
| Balance Buffer | Up to $100 when qualified | Not available |
| Overdraft Protection transfer | Available, no transfer fee | Available, no transfer fee |
| Monthly fee | $12 (waivable) | $35 (waivable) |
Fees verified August 25, 2026 from Truist’s Personal Deposit Accounts Fee Schedule (eff. 4/9/2026), Truist One Checking Account Overview, and Truist Marquee Checking Account Overview.
Why Truist shows $0 overdraft fees on these accounts
Truist One Checking states that Truist does not charge overdraft-related fees on that product. Overdraft-related fees here means overdraft fees, returned-item fees, negative account balance fees, and overdraft protection transfer fees. Marquee Checking lists no charge for the Overdraft Fee line. Other Truist products can still carry a $36 Overdraft Fee under standard Overdraft Coverage. That $36 line does not apply to One or Marquee.
The $100 Balance Buffer (Truist One only)
Qualified Truist One Checking customers can overdraw by up to $100 with no fee and no interest. To qualify the first time, the account must be open at least 35 calendar days, funded with a positive balance, and show a single direct deposit of at least $100 in the last 35 days. To keep it, you need another qualifying $100+ direct deposit within each trailing 35-day window. If you also have Overdraft Protection, Truist uses the Balance Buffer first.
Overdraft Protection
Both accounts can link another Truist deposit account, credit card, or line of credit. The transfer itself has no fee. A linked credit card or line of credit can still charge interest on the advance.
How to stay covered at Truist
- Choose Truist One if you want the $100 Balance Buffer.
- Keep a $100+ direct deposit landing at least every 35 days to stay qualified.
- Link Overdraft Protection for shortfalls bigger than the buffer.
- Check your balance before spending near $0. Without a buffer or linked protection, the transaction is usually declined or returned at no Truist fee.
Short before payday? If the alternative is stacking bank fees, a small advance can be cheaper when you qualify and repay on time.
See how to borrow $50 instantly, or compare every option side by side below.
How Truist compares to other banks
Bankrate’s 2025 Checking Account and ATM Fee Study puts the average bank overdraft fee at $26.77. Truist One and Marquee sit at $0 on overdraft-related fees for these products.
| Bank | Overdraft fee | Max per day |
|---|---|---|
| Truist One / Marquee | $0 | N/A |
| Average US bank (Bankrate 2025) | $26.77 | Varies |
| Bank of America | $10 | 2 |
| PNC Bank | $36 | 1 |
Source: Bankrate 2025 Checking Account and ATM Fee Study, published September 10, 2025, https://www.bankrate.com/press-releases/atm-fees-hit-record-high-for-third-consecutive-year/
Compare cash advance apps that can cover a shortfall.
Truist overdraft FAQ
Does Truist charge an overdraft fee on One or Marquee Checking?
No. Both products list $0 overdraft-related fees on the current account overviews.
What is the Truist Balance Buffer?
On Truist One Checking only, qualified customers can overdraw by up to $100 with no fee. It needs a $100+ direct deposit in the trailing 35 days, and the account must first be open 35 days.
Does Marquee Checking get the Balance Buffer?
No. Marquee Checking does not include the Balance Buffer.
Is there a fee for Truist Overdraft Protection transfers?
No transfer fee. A linked credit card or line of credit can still charge interest on the advance.
Do all Truist accounts have $0 overdraft fees?
No. The Personal Deposit Accounts Fee Schedule still describes a $36 Overdraft Fee for standard Overdraft Coverage on other products. That fee does not apply to Truist One Checking or Truist Marquee Checking.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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