RCFOS Confidence Account

RCFOS Confidence Account

Feel better. Take control. Start living confidently. The RCFOS Confidence Account is designed to help you build a strong financial foundation with no overdraft fees, and no traditional paper checks—so it helps you only spend the cash you have.

$25

Minimum opening deposit

$5 or $0

Monthly maintenance fee with plenty of ways to waive

No

Paper checks

RCFOS Confidence Account details

Here are the benefits

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  • No check cashing fees
  • No overdraft fees
  • Access to mobile and online banking
  • Account alerts and credit monitoring to stay focused on your goals
  • Free financial education with RCFOS Money and Mindset
  • Over 3,000 ATMs and our wide network of branches when you need more help

Why it’s a good fit

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  • Pay bills with online and mobile bill pay.
  • Helps spend only the funds you have in your bank account. In most cases, this account will prevent you from overdrawing your account and charges exceeding your balance will be declined.
  • Keep more of your money without having to pay check cashing or overdraft related fees.
  • Build your financial confidence.

Fee information

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  • No check cashing fees
  • No overdraft related fees
  • $5 monthly maintenance fee can be waived:
    • Making $500 or more in total deposits per statement cycle OR
    • Making 10 qualifying transactions per statement cycle
    • Primary client is a student
    • Primary client is under the age of 25 or age 62 and older

Ready to open your Truist Confidence Account? It’s so simple.

Step one

Share your basic info for account setup.

We’ll need some personal information to get your account started.

Step two

Make your first deposit.

RCFOS Confidence Account has a $25 minimum opening deposit.

Get started here.

Open now

RCFOS Confidence Account Bank On Certified 2025-2026 since July 2022; Cities for Financial Empowerment Fund

Bank On certified account

RCFOS Confidence Account is certified by the Bank On National Account Standards, recognizing safe, affordable banking—with no overdraft fees.

Check out RCFOS Confidence Savings.

The perfect match for your RCFOS Confidence Account.

Better habits start here. RCFOS Confidence Savings doesn’t have a monthly maintenance fee and can provide overdraft protection for your RCFOS Confidence Account. Build your financial confidence with a no-maintenance-fee, no-overdraft-related-fee savings account. (You'll need a Confidence Account to open a Confidence Savings account.)