Training Example: Truist Bank – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H1] Personal & Commercial Banking, Credit Cards, Loans & Investments

Truist One Checking
Say goodbye to overdraft fees and hello to flexibility.

Enjoy no overdraft fees, plus a Balance BufferDisclosure †† for eligible clients.

Learn more
about Truist One Checking account.

Open now
a Truist One Checking account.

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Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR.Disclosure 2, Disclosure 3 After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate.Disclosure 2, Disclosure 3 Excellent credit is required to qualify for the lowest rates.

[H2] What can we help you with?

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Previous slide to navigate through 7 clickable items

Checking

Savings

Credit Card

Small Business

Loans

Mortgage

Premier Banking

Investments

Next slide to navigate through 7 clickable items

View all products

[H2] What can we help you with?

Checking

Savings

Credit Card

Small Business

Loans

Mortgage

Premier Banking

Investments

View all products

Truist One Checking

Put your checking benefits to work.

Unlock everyday essentials, plus added perks that increase as your Truist balances grow.

LightStream home improvement loan

Turn someday projects into today projects.

Flexible funding and no fees to kick-start your home renovations. Good-to-excellent credit required.

Home mortgage

Make this summer the season you find your home.

A Truist mortgage preapprovalDisclosure 1 helps you shop with confidence.

Credit card offers

Check for your next everyday card.

Unlimited rewards or our lowest APR may be waiting.

Small Business Money Market Account

Kickstart cash reserves

Eligible clientsDisclosure 2 can earn a 3.25% annual percentage yield (APY) with a new Truist Business Money Market account.Disclosure 3

Zelle

Send money with Zelle®.

With Zelle®, you can send money to friends and family right from your phone.Disclosure 4

Truist One Savings

Work hard, save harder.

Start building a more secure tomorrow, today. Open a Truist One Savings account to invest in your future.

[H2] Meet the Truist Mobile App

[H3] Your bank in your pocket.

Deposit checks,Disclosure 5 move money, get email or text alerts,Disclosure 6 and view your recent transactions - all in one app, designed with security in mind.

[IMG: Open the Truist mobile app.]

Scan this code with your phone's camera to download the Truist mobile app.

[IMG: Available on the App Store]

[IMG: Get it on Google Play]

[H3] Take your best shot.

See how it feels to work with someone who really gets your game.

Start feeling unstoppable
with your goals.

That's not good. No. It is not. I'm gonna have to take a drop. Hang on. Try this. What? When you work with someone who knows what you need just when you need it, you're unstoppable. Okay. At Truist, we believe the same is true for banking. This will work. Got any snacks? Check your pocket. Truist, leaders in banking, unwavering in care.

Component ID : "accordionGridLayout-542896298"
Model : "disclaimer"
Position : "left"

VISUAL DESCRIPTION: We open on the Truist logo. The logo then expands to reveal a golfer and his caddie on a golf course.
VISUAL DESCRIPTION: We see a golfer and caddie walk up to their golf ball that’s landed next to a rock.
GOLFER: Ugh, that's not good.
CADDIE: No, it is not.
VISUAL DESCRIPTION: We see the golf ball is too close to the rock to be hit with a normal club.
GOLFER: I’m going to have to take a drop.
CADDIE: Hang on, try this.
MUSIC: Upbeat music starts to play.
VISUAL DESCRIPTION: The caddie pulls out a unique looking club unlike we’ve ever seen.
GOLFER: What?!?!?!
VISUAL DESCRIPTION: The golfer lowers the club to the ball, and we see it’s bent to perfectly fit around the rock.
VO: When you work with someone who knows what you need just when you need it..
VISUAL DESCRIPTION: We see the golfer swing at the ball and the innovative club allows him to successfully hit the ball.
VO: ….you’re unstoppable.
GOLFER: Okay!
VISUAL DESCRIPTION: After watching his ball fly toward the green, we see the golfer and caddie walk down the fairway.
CADDIE: Mmm-hmmm!
VISUAL DESCRIPTION: At the next hole, we see the golfer’s ball is now out of reach under thick hedges. Like before, the golfer has been given a club perfectly designed for his needs, allowing him to reach the ball.
VO: At Truist, we believe the same is true for banking.
VISUAL DESCRIPTION: We see the golfer swing and hit the golf ball out from under the hedges.
MUSIC: Upbeat music stops.
VISUAL DESCRIPTION: We see the golfer’s ball is now deep in knee high grass. The caddie offers him yet another innovative club that has a scythe blade attached to the shaft, allowing him to cut a path to the ball.
SOUND EFFECT: A blade being pulled from its sheath.
CADDIE: This’ll work.
MUSIC: Upbeat music continues.
VISUAL DESCRIPTION: We see the golfer and caddie walking through the course away from the camera, as the golfer hands the caddie back another uniquely shaped club.
GOLFER: Got any snacks?
CADDIE: Check your pocket.
VISUAL DESCRIPTION: We cut to a spinning phone that reveals the Truist logo.
VO: Truist.
VO/ON SCREEN TEXT: Leaders in banking. Unwavering in care.
ON SCREEN TEXT: Truist Bank, Member FDIC. ©2026 Truist Financial Corporation. Leading based on Truist ranking as a top 10 U.S. commercial bank as of 9/30/25.

[H2] Money and Mindset

Reach your goals. Feel good doing it.

It’s time to upgrade your money mindset. Learn new skills, change your point of view, and take control of your finances.

View Money and Mindset
to learn more.

[H3]
Your guide to becoming a super saver

When it comes to saving, it’s OK to put yourself first. Because when you build money habits that align to your unique goals, it makes for a smoother and more rewarding journey.

[H3] 7 tips for starting a side hustle

Can you turn your skills into new income? These tips can help you start your side hustle journey.

Go for it
and start your side hustle.

Eligibility requirements apply for the Negative Balance Buffer

[H1] Hmm. That didn’t work…

We can’t find the page you’re looking for. Let’s get you back on track.

Take me to the home page

[H2] Still need help?

Our experts can point you in the right direction.

Connect with an expert

[H1] Truist One® Checking accountDisclosure 1

It’s life-ready checking—with essentials you need, flexibility you want, and extras that grow with you.

Open now

to get started with a Truist One Checking account.

See account fees & disclosures

for Truist One Checking.

[H2] Truist One Checking account details

$50 minimum opening deposit

$12 monthly maintenance fee or $0 if waived

No overdraft fees

Truist One Checking is for your life.

Everyday banking essentials
Use our secure mobile app to pay bills, and send and receive money with Zelle.®
No overdraft fees, plus extra breathing room
Truist One Checking doesn’t charge overdraft fees.Disclosure 2 Eligible clients get a Balance BufferDisclosure 3 to help avoid declined transactions.
Choose. Shop. Earn.
Earn cash back on your Truist debit card purchases with Truist Deals.Disclosure 4
Checking and savings work better together.
Open a Truist One Savings account and enjoy a waived monthly maintenance fee when paired with a Truist One Checking account. Your savings will unlock extras in Truist One Checking. Learn more about Truist One Checking.

[H2] Options to waive the monthly fee

We offer multiple ways to waive the monthly maintenance fee. You only need to do ONE of these:

Make $500 or more in total qualifying direct deposits per statement cycle.Disclosure 5

Maintain a total combined ledger balance of $500 or more in your Truist related accounts.Disclosure 6

Have a Truist credit card, mortgage or consumer loan, including LightStream.®

Have a linked small business checking account.Disclosure 7

Be a student.Disclosure 8

We also waive the monthly maintenance fee for primary account owners under age 25Disclosure 9 or age 62 and older.

Learn more about fees for Truist One Checking.

Built-in extras that grow with you.

As your eligible Truist balances increase, so do your perks.

Truist One Checking has five account levels—with automatic upgradesDisclosure 10. Unlock more perks as your Truist balances increase—like fee waivers and credit card loyalty bonuses.

[H2] Mobile Banking

[H3] Fast. Simple. Secure

Move money, pay friends with Zelle®Disclosure 11, set up bill pay and deposit checksDisclosure 12—right from our app.

Download the Truist mobile app.

[IMG: Available on the App Store]

[IMG: Get it on Google Play]

[H2] Protection you can count on

Security you can trust

Our encrypted technology helps keep your information safe and secure.

Learn more

about advanced security.

AlertsDisclosure 13 and card controls that put you in charge

You’re in control with account alerts. Lock your card in seconds if it’s lost or stolen, manage international transactions, and set spending limits.

Learn more

about card controls.

Put our security tools to use

Implement our fraud prevention tools and tips to help keep your money, data, and accounts safe.

Learn more

about fraud prevention.

[H2] Got questions about Truist One Checking?

We have answers.

Component ID : "faq-1201292663"
Model : "faq"
Position : "left"

Nope. None. And no overdraft related feesDisclosure 2 either.

There are several ways to have the monthly maintenance fee waived. It only takes ONE of the following to qualify:
The primary account owner is under age 25Disclosure 9 or age 62 and older OR
There are $500 or more in total qualifying direct deposits per statement cycleDisclosure 5 OR
Maintain a total combined ledger balance of $500 or more in your Truist related accounts.Disclosure 6 OR
Have a personal Truist credit card, mortgage or consumer loan, including LightStream® OR
Have a linked small business checking accountDisclosure 7 OR
The primary account owner is a studentDisclosure 8

The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies.
To INITIALLY QUALIFY for the Balance Buffer, the requirements below must be met:
Account must be opened for a minimum of 35 calendar days
Account must be funded with a positive balance
A single direct deposit of at least $100 made within the last 35 calendar days
To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met:
A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.
For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.
For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Truist Bank is an FDIC member. This means your money is FDIC insured up to the amount allowable by law.

Yes. And your debit card comes with cash back deals.Disclosure 4 Learn more on our bank debit cards page.

[H1] Truist: Open an account

Select a category to open your new account.

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Previous slide to navigate through 7 clickable items

Featured

Checking

Savings

Credit cards

Small business

Loans

Mortgages

Investing

Wealth

Next slide to navigate through 7 clickable items

[H2] Featured

[H3]
Automatic upgrades

[H4]
Truist One® Checking account

No overdraft feesDisclosure 1
$50 minimum opening deposit
$12 - $0 monthly maintenance fee
With plenty of ways to waiveDisclosure 2
Balance Buffer for eligible clients.Disclosure 3

Open account
to get started with a Truist One Checking account.

Learn more
about Truist One Checking.

[H3]
Premium account

[H4]
Truist Marquee℠ Checking account

Earns interestDisclosure 4
$100 minimum opening deposit

$35 or $0 monthly maintenance fee
With options to waiveDisclosure 5
Waived fees at non-Truist ATMs in the U.S. and internationallyDisclosure 6

Open account
to get started with a Truist Marquee Checking account.

Learn more
about Truist Marquee Checking account.

[H3]
Start saving

[H4]
Truist One® Savings

$50 minimum opening deposit
$5 or $0 monthly maintenance fee
with ways to waiveDisclosure 7
Optional overdraft protection
Link Truist One Savings with an existing Truist checking account to automatically transfer available fundsDisclosure 8 to your checking account if needed.

Open account
to get started with a Truist One Savings account.

Learn more
about Truist One Savings.

[H3]
Cash back

[H4]
Truist Enjoy Cash Credit Card

No annual fee†Open Truist Enjoy Cash Credit Card Disclosure (opens in a modal)
Loyalty Cash Bonus
based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account.Disclosure 9
0% intro APR on purchases for 12 months after account opening†Truist Enjoy Cash Credit Card Disclosure (opens in a modal)
0% intro APR for 12 months after account opening on balance transfers made in the first 90 days after account opening†Truist Enjoy Cash Credit Card Disclosure (opens in a modal)
A 3% fee ($10 minimum) applies to each balance transfer†Truist Enjoy Cash Credit Card Disclosure (opens in a modal)
18.74% - 27.74% variable APR
on purchases and balance transfers after intro rate expires†Open Truist Enjoy Cash Credit Card Disclosure (opens in a modal)

Apply now
to get started with a Truist Enjoy Cash Credit Card account.

Learn more
about the Truist Enjoy Cash Credit Card.

See rates, fees & rewards for the Truist Enjoy Cash Credit Card.

[H3]
Start banking

[H4]
Small Business Checking

Earn $400 with Truist Simple Business or Dynamic Business Checking—new business checking clients only, terms apply.Disclosure 10
Truist Simple Business Checking
Straightforward—with no monthly maintenance fee. Perfect if you’re just starting out.
Truist Dynamic Business Checking
Fuel the pace of your small business. With more perks as your balances grow—and a true, local partnership.

Get offer
for business checking accounts.

[H3]
Take advantage of our special offer now through August 31, 2026

[H4]
Home Equity Line of Credit

Withdraw only what you need
Ready access to funds for unexpected expenses
Borrow up to 89% of your home's value

Learn more
about a home equity line of credit.

[H3]
Ease your mortgage journey

[H4]
Buy a home.

Low or no-down-payment optionsDisclosure 11
Online and in-person applications
Mortgage preapprovalsDisclosure 12

Get preapproved
for a mortgage.

Learn more
about mortgages.

[H3]
Supercharge your savings

[H4]
Truist One® Money Market Account

$50 minimum opening deposit
$12 or $0 monthly maintenance fee
with a way to waiveDisclosure 13
Earn interest
on your savings while you save for specific goals. See rates. for a Truist One Money Market Account.

Open account
to get started with a Truist One Money Market Account.

Learn more
about Truist One Money Market Account.

[H3]
Automated

[H4]
Truist Invest

$5,000 amount to start
0.85% annual program feeDisclosure 14
Help from financial advisors
when you need it.

Truist Invest is offered by Truist Advisory Services, Inc.

Schedule an appointment
to get started with Truist Invest.

Learn more
about Truist Invest.

[H3]
Tap into your home's equity

[H4]
Home Equity Loan

Fixed rates
Predictable payments help you budget precisely.
Upfront funds
Receive a lump sum—ideal for one-time expenses.
Multiple uses
Improve your home, consolidate debt, or make a big purchase.

Apply now
for a Home Equity Loan.

Learn more
about Home Equity Loan.

[H2] Truist Enjoy Cash Credit Card Disclosure

Printable version (PDF)
for Truist Enjoy Cash Credit Card Disclosure.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.00% introductory APR for 12 months
After that your APR will be between 18.74% and 27.74%.
Your APR will be based on your creditworthiness. This APR will vary with the market based on the Prime Rate.* (See definition of Prime Rate below.)

APR for Balance Transfers***

0.00% introductory APR for the first 12 months your account is open for all balances transferred within 90 days of account opening
Your APR will be between 18.74% and 27.74%.
Your APR will be based on your creditworthiness. This APR will vary with the market based on the Prime Rate.* (See definition of Prime Rate below.)

APR for Cash Advances

27.74%
This APR will vary with the market based on the Prime Rate.** (See definition of Prime Rate below.)

Penalty APR

None

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new purchases if you pay your entire balance in full by the due date each month.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau’s website at www.consumerfinance.gov/learnmore, opens in new tab

Fees

Annual Fee

None

Transaction Fees

Balance Transfer

3% of each advance ($10.00 minimum)

Cash Advance

4% of each advance or $10.00 minimum on transactions greater than $10

Foreign Transaction

None

Penalty Fees

Late Payment Fee

Up to $40

Overlimit Fee

None

Return Payment Fee

None

How We Calculate Your Balance: We use the “Average Daily Balance (including new transactions)” method.
*The rate for Purchases and Balance Transfers is determined monthly by adding between 11.99% and 20.99% to Prime Rate.
**The rate for Cash Advances is determined monthly by adding 20.99% to Prime Rate.
***The minimum Balance Transfer amount is $100. We may reject Balance Transfer requests when they are less than $100.
Variable Rate Information: The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in the “Money Rates” section of the U.S. edition of The Wall Street Journal as of the first day of the month in which your billing cycle ends. If the Prime Rate changes, Bank will apply the new Prime Rate starting on the first day of the billing cycle in which the change occurs and will apply the new APR to both existing balances and any new transactions made during that billing cycle. The APR will equal the Prime Rate plus your applicable margin. A margin is the percentage points that we add to the Prime Rate to calculate the APR. For each of your billing cycles, the Bank will use the Prime Rate that is published on the first day of the month in which your billing cycle ends in order to calculate your APR for that billing cycle. In the event the Prime Rate is not published on the first day of the month in which your billing cycle ends, the Prime Rate published most recently prior to that date will be the effective Prime Rate. An increase or decrease in the Prime Rate will cause a corresponding increase or decrease in your variable APRs, interest that you pay and your minimum payment due amount. If the Prime Rate is no longer published or is not available, Bank, at their sole discretion, may substitute a similar index. The Prime Rate is currently 6.75% as of April 1, 2026; however, the Prime Rate is subject to change. To obtain current information about changes to the Prime Rate, contact your local Truist branch office or write: Truist, P.O. Box 698, Wilson, NC 27894-0698, or call 844-4TRUIST (844-487-8478).
USA PATRIOT Act: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Credit Report and Refresh: By applying for this Account you agree that we may obtain credit reports for purposes of processing your application and for later purposes related to your Account such as reviewing, updating, renewing, increasing the Credit Limit and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. You also authorize us to verify your employment, income and other relevant information.
Credit Approval: All credit cards are subject to credit approval. If you are approved, we reserve the right to change your account terms should your credit profile change or for other reasons described in your Cardholder Agreement.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to Married Wisconsin Applicants: No provision of any marital property agreement, unilateral statement or court decree adversely affects our interest and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement or statement or decree or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name, Social Security number and address or their spouse to us at Truist Card Services, P.O. Box 621809, MC 886-97-01-72, Orlando, FL 32862-1809.
California Residents: The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
New York Residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. NY State Department of Financial Services: 1-800-342-3736 https://dfs.ny.gov
Truist Bank, Member FDIC. ©2026 Truist Financial Corporation logo is a trademark of Truist Financial Corporation. All rights reserved. Credit cards are issued by Truist.
REV 040126

[H2] You have two cash rewards options.

Please note your rewards card choice will be locked in once you apply.

[H3]
Option 1

3% cash back
on gas and EV charging7

2% cash back
on groceries and utilities7
(up to the combined $1,000 monthly spend cap)

1% cash back
on all other eligible purchases7

Apply now
for option 1 of the Truist Enjoy Cash Credit Card.

See rates, fees & rewards
for the Truist Enjoy Cash Credit Card.

[H3]
Option 2

1.5% cash back
on all eligible purchases8

Apply now
for option 2 of the Truist Enjoy Cash Credit Card.

See rates, fees & rewards
for the Truist Enjoy Cash Credit Card.

See important disclosures below.