Two separate fee changes sit inside one Truist price list, and they land on different customers. The out-of-network ATM charge goes up by 50 cents on November 9, while the bank’s overdraft fee is held to three charges a day. Reading the document line by line shows that the ATM increase reaches most of the accounts on the schedule and that the overdraft limit reaches almost none of them.
What Truist’s personal deposit fee schedule says about the ATM charge
The Truist personal deposit accounts fee schedule, effective September 28, 2026, lists the fee for a non-Truist domestic ATM at $3.00 per transaction. The same line carries the change: effective 11/09/2026, the fee increases to $3.50 per transaction. That is the bank’s own charge. An ATM owner’s separate surcharge, posted on the machine screen, is not part of the figure.
The schedule also sets an international ATM fee of $5.00 per transaction, and it states that no fee applies when a Truist ATM is used. Balance inquiries at another bank’s machine are not free either: Truist Confidence accounts pay $1.00 per inquiry, while standard accounts pay the same per-transaction fee as a withdrawal, so the November 9 increase carries over to inquiries as well.
Which accounts skip the out-of-network ATM fee
The schedule covers nine products: Truist One Checking, Truist Confidence Account, Truist One Money Market Account, Truist Wealth Money Market Account, Truist Marquee Checking, the Truist Asset Management Account, Truist One Savings, Truist Confidence Savings and Secured Credit Card Savings. Truist Marquee Checking is listed as “No Fee” for domestic ATMs, and the Wealth and Asset Management debit cards also receive “No Fee.”
The separate Truist Asset Management Account disclosure, dated 09/28/2026, says the same thing in broader terms: no fee for transactions at Truist or non-Truist domestic and international ATMs, including surcharge rebates. It does add a 3% international point-of-sale and ATM assessment fee per transaction. For everyone else on the schedule, the new $3.50 applies from November 9.
The $36 overdraft fee and the three-a-day limit
The overdraft line reads $36.00 per item, per occurrence. Beneath it the schedule states, “Truist will limit total Overdraft Fees to three (3) per day.” The limit is a count of fees, not a dollar ceiling set separately: at most three charges of $36 each can post on one day. A second provision says Truist “will waive Overdraft Fees on transactions that are less than $5,” so a small purchase that overdraws an account produces no fee at all.
Truist’s overdraft decision notice repeats the structure in plain language: $36 each time the bank pays an overdraft, a maximum of 3 per day, and no fee on transactions under $5.00. The documents do not say whether the daily limit is new or already existed, so the change in this story is the November 9 ATM fee. The limit is a standing term of the current schedule.
Why the overdraft limit reaches so few Truist accounts
The schedule’s overdraft note carries an exemption list. The fee “does not apply to” Truist One Checking, Truist One Savings, Truist One Money Market Account, Truist Confidence Account, Truist Confidence Savings, Secured Credit Card Savings, Truist Marquee Checking or the Truist Wealth Money Market Account. Of the nine products named on the schedule, the only one missing from that list is the Truist Asset Management Account, where the schedule adds that one Overdraft Fee is waived per month.
The decision notice names a shorter exemption list, only Truist Marquee Checking and the Truist Wealth Money Market account, so the two documents are not identical on this point. The fee schedule, effective September 28, is the more detailed of the two and lists all eight exemptions. A customer holding a product that does not appear on the schedule at all should check that product’s own disclosure, because neither document speaks for it.
The result is that the ATM increase and the overdraft limit rarely apply to the same checking account. Asset Management Account holders pay no ATM fee but can be charged for overdrafts. Holders of Truist One Checking, the account the ATM increase most plainly reaches, are told by the schedule that the overdraft fee does not apply to them.
Overdraft Coverage on ATM and debit card purchases
For debit card and ATM transactions, the decision notice says Truist will not pay an overdraft by default unless the customer asks for the Overdraft Coverage service. Checks and automatic bill payments are handled differently and may be paid at the bank’s discretion. The preference can be changed in the Truist mobile app (select the account, tap the ellipses and choose Overdraft options), in online banking at Truist.com (select the account, click More, then Overdraft options), or by calling 844-4TRUIST. The notice says a change “takes effect the next business day” and stays active until it is changed again.
The Consumer Financial Protection Bureau’s bank accounts page says an account holder “could be charged overdraft fees in connection with checks, electronic payments, or debit cards,” and that there are steps that can reduce or eliminate them. It also points to a checklist for choosing a new account.
What the November 9 date changes for Truist ATM users
Nothing needs to be filed or signed before November 9, and nothing in the schedule asks customers to respond. The practical difference is the price of each out-of-network withdrawal, which moves from $3.00 to $3.50 on a line in a document Truist published on September 28. A customer who takes cash from non-Truist machines twice a month would pay $12 more over a year, by the schedule’s own figures: $0.50 times 24 transactions. Using a Truist ATM carries no bank fee at all under the same schedule.
The figures in this piece come from Truist’s September 28, 2026 fee schedule and two Truist disclosures, read on October 4, 2026. The bank has not announced further changes to the ATM line in any document reviewed.
Fee changes worth writing down
Truist’s November 9 ATM change and its three-a-day overdraft limit both live in a fee schedule that most customers never open, and a fee that posts on one date is easy to lose track of by the next statement. The unfinished job is a running record of which charges posted, on what dates, and which were questioned with the bank.
The Bank Account & Debt Protection Kit includes a protected-funds and dispute log and the 2-month bank protection rule, two pieces that turn scattered statement entries into a record a customer can point to.
Open a protected-funds and dispute log for bank fee questions →
This piece was drafted with AI assistance; the figures were checked against Truist’s fee schedule, overdraft decision notice and Asset Management Account disclosure, and the CFPB’s bank accounts page.
