Truist One Savings Review

Relationship savings from the merger of BB&T and SunTrust. Independent Truist One Savings review: 3.1/5 for big bank savings. Best for Southeast U.S.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

Treat Truist One Savings as a bundle piece for Southeast customers with Truist One Checking, which waives the $5 monthly fee. Without that link you need a $300 balance to avoid it. The rate is 0.01% APY on all balances, minimal even at the top tier, and that's what holds it back.

Skip it if you live outside the Southeast, or want your savings to earn more than 0.01%.

About Truist One Savings

Relationship savings from the merger of BB&T and SunTrust. Truist One Savings is offered by Truist Bank. Our editorial rating is 3.1 out of 5.

Best for: Southeast U.S. customers bundling checking + savings.

Editorial grade: C+ (composite score 61/100).

Highlights

• 0.01% APY on all balances (as of September 2026)
• 2,000+ branches across 17 states plus D.C.
• $5 monthly fee (waivable with $300 balance or linked Truist checking)

What we like

• Large Southeast U.S. footprint
• Fee waived when linked to Truist One Checking
• Solid mobile app with savings goal tools

Where it falls short

• APY is minimal even at top tier
• Limited presence outside the Southeast
• $50 minimum to open

Fees, minimums, and rates

Monthly fee: $5/month (waivable). Minimum to open: $50. Current APY: 0.01%. Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Truist Bank. It is built from Truist Bank's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Big Bank Savings shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

• Truist Bank, FDIC certificate 9846: capital, loan quality, every office and the complaint record.

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Read our full editorial methodology for how we review products.