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Truist Dynamic Business Checking

Fuel the pace of your small business.

With more perks as your balances grow—and a true partnership.

Open now a Dynamic Business Checking account.
  • 500 Monthly transactions at no charge1
  • $25,000 Cash processing per month at no charge2
  • $20 Monthly maintenance fee (waived with $5,000 average relationship balance3)

Dynamic Business Checking reward levels

Your combined balance across all your Truist business accounts—checking, savings, money market, and CDs—determines your reward level. And as your balance changes, you’ll automatically move between them.4

Core Rewards

Core Rewards
If your business has
< $25K
in combined deposits4
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10%
Business credit card rewards loyalty bonus
—
Merchant Services monthly discount credit
—
Business lending rate discount
—
Discount off Online Payroll standard monthly maintenance fee5
—
Fees waived on non-Truist domestic ATMs
$120
Delta SkyMiles® Business Debit Card annual fee6

Plus Rewards

Plus Rewards
If your business has
$25K – $49,999
in combined deposits4
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25%
Business credit card rewards loyalty bonus
$5
Merchant Services monthly discount credit
(.25)
Business lending rate discount
$5
Discount off the standard $55 Online Payroll monthly maintenance fee5
2
Fees waived on non-Truist domestic ATMs
$90
Delta SkyMiles® Business Debit Card annual fee6

Preferred Rewards

Preferred Rewards
If your business has
$50K +
in combined deposits4
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50%
Business credit card rewards loyalty bonus
$10
Merchant Services monthly discount credit
(.50)
Business lending rate discount
$10
Discount off the standard $55 Online Payroll monthly maintenance fee5
unlimited
Fees waived on non-Truist domestic ATMs
$60
Delta SkyMiles® Business Debit Card annual fee6
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Speaker 1 (00:02):

Welcome to Truist Dynamic Business Checking,

(00:05):

an account with unique benefits and rewards that grow with your business. With up to 500 monthly transactions, up to $25,000 in monthly cash processing at no charge, and no monthly maintenance fee when you maintain an average combined balance of $5,000 or more between your business checking, savings, money market, and/or CD accounts, plus a range of account features. And that's just the start. Qualify for the additional benefits of Truist One level premier when you link your personal Truist One account and your Dynamic Business Checking Account.

(00:39):

We're celebrating each of your milestones with different levels of rewards. Enjoy benefits that scale with your combined deposits across accounts like Truist business credit card loyalty bonuses, merchant services discount credits, lending rate discount, and online payroll discount. You'll even be eligible for interest rate discounts on small business loans and lines of credit and bigger discounts on tools you need.

(01:06):

With a few easy steps, you can add tools to help you look after your finances and build for the future. Enroll in Truist online banking and download the Truist Mobile banking app to start managing your money virtually anytime from pretty much anywhere. You can link other Truist accounts, make deposits, send payments, and view your current tier reward level. Add debit cards for you and your authorized users and personalize them with your company logo.

(01:35):

Or get the Delta SkyMiles® Business Debit Card to earn miles when you spend. Start enjoying all these benefits by funding your account today. You are committed to your business and we are committed to supporting you every step of the journey with expertise, advice, solutions, and perks to match. That's a partnership you can depend on.

More details about Truist Dynamic Business Checking

Benefits
  • Earn more miles with a Delta SkyMiles Business Debit Card.
  • Loyalty bonus on Truist business credit card rewards redemptions.
  • No monthly maintenance fee on a Personal Truist One Checking account with level Premier access and benefits.7
  • Access to financial wellness training for your employees.
  • Fraud Inspector™ to help you identify and curb potential fraud.
  • Personalized business debit card with your logo or custom art.
  • No fee for the first four (4) incoming domestic wires.
Best if you
  • Have a range of banking needs.
  • Want to maximize your rewards.
  • Complete over 50 transactions per month.
  • Make over $2,000 per month in cash deposits.

Truist business credit card clients can earn elevated rewards in the form of either a Loyalty Cash Bonus or Loyalty Travel Bonus based on their credit card product type, the method by which they redeem, and their deposit relationship(s) at Truist (including Dynamic Business checking account holders). More information on this rewards bonus option can be found within the Rewards Program Terms and Conditions applicable to the client’s respective credit card; restrictions apply. Truist Business credit cards are subject to credit approval.

Contact us

We’re here to hear—and help.

Let’s chat about how we can help you take care of business.

Business Deposit Accounts Fee Schedule

Make an appointment.

Schedule an in-person or virtual appointment.

Schedule an appointment

Call us.

Talk to a Small Business specialist at 833-866-5129.

Delta SkyMiles Business Debit Card

Rewards that go the distance.

Earn miles on your everyday business purchases. So your business—and travel plans—can take flight. Available only with Truist Dynamic Business Checking.

Learn more about delta debit card.

Resources

Expand your knowledge with resources for better business strategies. Stay up-to-date with trending topics, news, and research.

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    View more to learn about business banking resources.

    Looking for something else?

    We have cash management solutions for companies with more complex needs, too.

    Learn about commercial checking
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    1 No charge for the first 500 total combined transactions per monthly statement cycle. Transactions include deposits and deposited items, checks, ATM transactions, point-of-sale purchases, and ACH debits. Wire transfer services and commercial and treasury management services may also be included. There are fees for exceeding stated limits. See Truist’s Business Deposit Account Fee Schedule for additional details.

    2 No charge for the first $25,000 of cash deposits per monthly statement cycle. There are fees for exceeding stated cash processing limits. See Truist’s Business Deposit Account Fee Schedule for additional details.

    3 Monthly maintenance fee is waived with $5,000 average combined balance, over three months, in a Truist business checking, savings, money market account or CD.

    4 Balance for Dynamic Checking rewards is calculated as the highest three-month average balance in combined Truist business checking, savings, money market accounts and CDs.

    5 Subject to enrollment in Truist Online Banking and standard payroll fees apply. Any custom pricing negotiated will not be eligible for the balance-based discounts. Online Payroll fees and limits are per calendar month. See the Business Deposit Accounts Fee Schedule for details. A link to the fee schedule can be found on Truist.com/business-checking. For further questions, contact a Truist banker, relationship manager, or Treasury Solutions consultant.

    6 The Delta SkyMiles® Business Debit Card annual fee is charged 45 days after the open date of the card. For Truist Dynamic Business Checking account clients, the initial annual fee will be based on the sum of the highest monthly average balance of your combined Truist business deposit balances on that date. Thereafter, we will use the highest average monthly balance of the 3 most previous months to determine your annual fee. Annual fee tiers are defined as follows: a) highest 3 month average balance of less than $25,000 is charged an annual fee of $120 b) highest 3 month average balance of $25,000 and less than $50,000 is charged an annual fee of $90 and c) highest 3 month average balance of $50,000 or more is charged an annual fee of $60. Annual fee will be calculated at the end of the month prior to the annual fee being charged. For all other Business Checking accounts, the annual fee is $120. See full Delta SkyMiles Debit Card Terms and Conditions for complete program details.

    7 Standard Monthly Maintenance fee is waived, and level Premier applied when properly linked to a business relationship. See Truist Personal Deposit Accounts Fee Schedule for additional details on Truist One Checking Account with level Premier benefits.

    Refer to the Business Deposit Accounts Fee Schedule, for detailed information regarding each feature, benefit and/or fees listed for each product.

    Disclosures

    Truist Bank, Member FDIC. © 2023 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

    Equal Housing Lender

    Investment and Insurance Products:

    • Are Not FDIC or any other Government Agency Insured
    • Are Not Bank Guaranteed
    • May Lose Value

    Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.

    Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

    Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

    "Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

    Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.

    Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

    • Multilingual teammates available at our Multicultural Banking Centers
    • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
    • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

    New York City residents:

    Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

    • Limited English Proficiency Support
    • New York City residents

    Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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