Deposit Accounts
What is the fee for immediate availability for Mobile Deposits.
2% of each check amount equal to or over $100. For each check under $100, a $1 fee will apply.
-A single check deposit that is less than $5 is not eligible for immediate availability
What is the the minimum Loan amount for a personal loan if the Client is located in South Carolina?
$4,601
What is the Draw Period for a HELOC
10-year
What is the Intro Offer for the Truist Enjoy Cash Credit Card?
Rewards option 1: Earn 3% cash back on eligible gas purchases including EV charging and 2% cash back on eligible utility and grocery purchases, up to $1,000 in combined spend in those categories per month and 1% cash back on all your other eligible purchases
o Rewards option 2: Earn unlimited 1.5% cash back on all eligible purchases3
Client mentions they are excited because their son is planning to get engaged this weekend. They were chatting in regarding a $12 monthly maintenance fee on their Truist One Checking account which is their only account with us.
What is a way you can transition this conversation to a CARES Conversation?
That is so exciting to hear! I will be more than happy to look into this fee for you though. While I look into this fee, I know personally how expensive weddings can be. Do you know if they will be planning for a small wedding, big wedding, or even a dentation wedding? :D
To INITIALLY QUALIFY for the $100 Negative Balance Buffer, the requirements are?
• Account must be opened for a minimum of 35 calendar days
• Account must be funded with a positive balance
• A single direct deposit of at least $100 per month must be made for two (2) consecutive months
What is the max LTV of a Truist Auto Loan
130%
The Personal Line of Credit has a annual fee for which states and how much?
$50 Annual Fee – GA, WV, TN, TX $20 Annual Fee – KY, IN
Which Truist Credit Card does not have rewards?
Truist Future Credit Card
Client mentioned that her son plans to have a small destination wedding in Italy next year. Client wasn't on board at first because it could be expensive. The son is the client's only child and wants to help pay a large portion towards the wedding as a wedding gifts.
How can you continue the CARES Conversation?
Destination weddings have always peeked my interest, but I can see where you are coming from, they can be pricey. How do you plan to pay for the wedding?
Answers Can Vary
What amount is the fee for the Truist One Money Market Account and when is it applied?
$15 is assessed, regardless of balance, for each withdrawal over six with a maximum of six Withdrawal Limit Fees per statement cycle
What is the loan amounts offer for our Lightstream Loans
$5,000-$100,000
How can a client apply for the Ready Now Credit Line?
Branch, Messaging, over the phone with VSD
What is the credit line amounts for a Truist Enjoy Cash Credit Card Secured?
min $400 up to $10,000.
Client states they have no debt.
How can we have a CARES Conversation?
That is awesome! Not many people can say that! From my experience, debt is not always a bad thing though. Lending accounts such as a line of credit or even a credit card can help in unexpected situations, such as future large purchases or an emergency. Out of curiosity, what does your back up plan currently look like?
What is the Fee for Paper Statements
$0
What is the maxed age a boat can be for a Truist Boat Loan
10 Years
What are Ineligible Collateral for a HELOC
Triplex, quadplex
Manufactured/mobile home (with or without permanent foundation)
Non-owner occupied residences, including Investment Properties (refer to glossary)
Mixed-Use Properties where an appraiser identifies highest and best use as
commercial/industrial or the majority of the property is currently commercial use
Interval ownerships
Timeshares
Condotels
Properties with gross living area less than 600 square feet
Cooperatives
Leasehold Estates outside of Fairhope, AL
Continuing care retirement units
Houseboats
Property zoned for multiple dwellings (five or more family properties)
Real estate under construction or major renovation
Which Truist Credit Card charges a foreign fee?
None of a Credit card charges foreign fees
You had a CARES Conversation, but when recommending a solution, the client declined.
What can be a good way to follow up from rejection?
I can certainly understand. We always want to be sure we are covering all of your financial bases when we get to talk to you! In messaging we can help with just about any financial needs you may have, such as getting out of debt, or saving money, so please don't hesitate to let me know if there is anything we can help you with!
Annual Fee for a Level 4 Truist One Checking Account for a Delta SkyMiles Debit Card is?
$75
What collateral needs to be included into a Sprint application for a Boat Loan?
The trailer, boat, and engine
What "Age" does the client have to have to be able to have a Physician Line of Credit?
4 th Year of Medical School and Up
What is the Truist Enjoy Beyond Credit Card Annual Fee
95* (waived if an Account Holder is a Wealth Client (Signature, Reserve or GenSpring) and has an assigned Truist Wealth advisor at the time Truist charges the Annual Fee for a given year.)
Client is brand new client that only has a checking account with no active on the account yet.
What is a good transitional scripting into a CARES Conversation?
While I have you, every time I get the opportunity to chat with new client, I always like to take a few moments first to thank you for choosing Truist, and welcome you to our Truist Family! To better get to know you, and understand your financial picture, I'd like to ask you a few questions. That way we can always be ready to assist with anything that may come up in the future.