At Truist, our purpose is to inspire and build better lives and communities. That happens through real care to make things better. To meet client needs, to empower teammates, and to lift up communities.

Our belief in better is at the core of everything that we do, every day. Were one team united by our purpose, mission, and values. Working together to take care of people is more than the words we sayits who we are.

Embracing diversity, equity, and inclusion is fundamental to what we stand formaking sure that everyone and every moment matters. Were inspired by the perspectives and experiences of people from different backgrounds. And we work hard to make sure our teammates, clients, and suppliers reflect the communities we serve.

Better communities are built by the people who live in them. We make connections with organizations that reflect our purpose, mission, and valuesso we can make a positive impact on the communities where we live and work.

Truist is a purpose-driven financial services company, formed by the historic merger of equals of BB&T and SunTrust. We serve clients in a number of high-growth markets in the country, offering a wide range of financial services. This includes:

Its the No. 1 issue married couples argue overwhich makes it easy to understand why couples sometimes avoid the topic altogether.1 But while talking about money can feel hard at first, the more open about it we are, the healthier our relationshipsand our financescan be.

Heres a money icebreaker: Float the fact that youre saving for retirement, and ask if theyre doing the same. This way, you offer up information about yourself before requesting theirs, while vetting whether your financial goals and habits are similar.

Money conversations should get more in-depth as the relationship becomes more serious, but opening the topic for ongoing talks sets the standard that its OK to discuss finances without the mood getting awkward or tense.

If youre going to be moving in with somebody or having any sort of shared expenses, its really important that you have a good sense of their financial situation, says Sophia Bera, a certified financial planner and founder ofGen Y Planning.

Take an honest, forthright approach to develop a list of each partners assets and liabilities. With that list, you can identify what areas to focus on together and start planning ahead to face them side by side.

Money means something different to each person. Talk freely about your own spending habits first, such as when you splurge and when you pinch pennies. Allow your partner to note any personal differences that could cause friction in the futurelike how you use credit cardsthen develop strategies for dealing with them together.

Managing money with your partner starts with understanding what each of you values individually, says Brian Ford, head of Financial Wellness at Truist. We are typically not fighting over the money itself, but how to spend itand this is a conversation about values. List your values individually, and notice which you have in common. This is where you should spend the majority of your hard-earned money.

Any partnership is based on shared responsibilities. Naturally, you need to talk out who does and pays for what. Have a conversation about which expenses youre each responsible for, and create a household budget. This can help reduce miscommunication and stress associated with role uncertainty.

Before merging finances, talk to your partner about shared expenses. In Beras millennial-focused practice, she often sees a yours, mine, and ours approach, in which couples maintain independent bank accounts in addition to a joint account used to pay household bills.

You knew this was coming up. Debt is a major factor in many peoples lives, and its important to discuss how you want to approach your use of credit as a couple. Take note of how your partner feels about the topic. It can sometimes be scary to talk about, but ultimately, talking can strengthen your finances, trust, and future together.

Talk about debt with the mindset of tackling it together. For instance, if you have superior credit, you might consider adding your partner to an existing credit card to help improve their credit score. Or if you both have high-interest debt, you might consider consolidating jointly.

Its important to note that debt doesnt always need to be avoided, though. Using credit responsibly can help enrich your lifeinvesting in a home through a mortgage or a family members career through student loans are two possible examples. Credit cards can even be used to improve your credit score, as long as they dont tempt you to spend irresponsibly and you pay the balance off every month to avoid paying interest. Using credit in wise ways alongside a partner can make doing so feel less daunting because the responsibility is shared.

Ford recommends checking in at least once a monthespecially during the beginning of a committed relationship with shared finances. If there are any problems, youll have an opportunity to tackle them head-on together. That feeling of achievement and overcoming obstacles can strengthen your bond.

For example, if youre planning on buying a house, its important to know each persons credit history and to create an actionable plan for improving your scores over time so you can qualify for a mortgage with a better interest rate.

Keeping an eye on the future doesnt just help with long-range financial planning; its also a great way to bond as a couple. Review your plans often and explore the wild what ifs. What hopes and dreams do you both share? As life changes, your goals and conversations will, too. But the more you talk about money with your partner, the more natural and loving the chats should become.

Conversations about money can be minefields if you avoid them until theres a conflict. Turn to a financial advisor or a couples counselor to facilitate them if you need help or a way to start off on the right foot. Having a third party involved can help ease uncomfortable discussions and get the words flowing. No matter how the conversation starts, talking about money in your relationship can make it richer.

We seek innovative partners who are as dedicated as we are to bringing better financial experiences to our clients and communities. Our diverse investment team is here to champion your success by moving quickly to closeand delivering the guidance and access you need to grow your business. Were financially and operationally invested in your mission.

We match your pace of innovation. Our capabilities evolve with your needs to provide custom support at every stagewhether thats leading rounds or making new connections. Our partners have the confidence that comes with knowing they have the strength and stability of one of Americas largest banks at their backswith access to resources both within Truist and in our extensive professional networks.

To get started, ask your employer how to enroll. Youll need to give them this form, your routing and account numbers for the checking account where you want your paycheck deposited. You can find this information on one of your own checks, or in digital banking.

With so many ways to use your checking accountlike checks, debit card purchases, ACH transactionsit can be a little tricky to keep track of your transactions. Some show up almost right away, like debit card purchases. Others, like personal checks, get processed overnight. Heres what to expect for the typical posting order:

Truist pays overdrafts at its discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned.

Overdraft fees may be assessed on checks, recurring debit card transactions, and ACH items. Also, if you have accepted overdraft coverage, ATM and one-time debit card transactions may generate overdraft fees.

The best way to avoid account feeslike monthly maintenance feesis to start with the right checking account or savings account for you. If youve done that, there are still a few others fees you should know about.