Truist Bank Review: APYs, Fees & Who It's Best For in 2026

After several years of integration pain, Truist's combined platform is finally stable, and the bank is leaning into its strengths: a deep Southeast branch network, strong small business banking, and a reasonably modern mobile app.

2026 snapshot

• **Our rating:** 4.0 / 5
• **Best for:** Southeast branch banking and small business
• **FDIC insured:** Yes, up to $250,000 per depositor, per ownership category

Products and features

One Checking & Confidence Account

Standard checking plus a checkless account with no overdraft fees.

One Savings & Money Market

Base APYs are low; relationship tiers improve modestly.

Truist CDs

Standard rack rates are weak; promotional rates require a linked checking account.

Small Business Banking

One of the deeper SMB lineups among super-regionals.

What we like

• Strong Southeast branch presence
• Confidence Account is genuinely no-overdraft
• Good small business banking

Where it falls short

• Standard APYs are uncompetitive
• Mobile app is improved but still trails Chase and BofA

Bottom line

Truist is a fine regional bank for Southeast customers — particularly small businesses. Personal savers will do better online.

> Rates and product terms shown reflect publicly available information at the time of our 2026 review and can change at any time. Always confirm current APYs and fees directly with the bank before opening an account.

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