Truist bank

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Sultan112

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I’m moving to a small town in Virginia soon, and I’m trying to figure out which bank to go with. The only ones with physical branches there are Truist, Bank of America, National Bank, First Community Bank, and First Bank & Trust.

Out of those, I’ve only really heard of Truist and BOA.

Is Truist a solid choice or would one of the smaller/local banks be better?

I do plan on opening an account with the local credit union for everyday stuff but I’m also looking for a good bank to keep my savings in. Would appreciate any personal experiences thanks
 
Go with Truist for your savings/stash account—especially since you can get a $400 bonus with minimal qualifying deposits, plus access to a solid branch and online presence. Check this offer to get a $400 bonus if you make a deposit with them.

Keep your local credit union for everyday use, ATM convenience, and potentially better interest on savings. If you value a community touch and the local bank offers competitive yields or a convenient branch, you might consider keeping a second account there for emergencies or secondary purposes.
 
For savings, I would recommend these banks instead:

1. SoFi Checking
2. CIT Bank
3. Discover

They offer significantly higher interest rates (e.g., 3.50-4.00%+ APY) than traditional banks like Truist or local options (often 0.01-1.75% APY), allowing your money to grow much faster. Use your local credit union for everyday banking.
 
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Truist is… okay. It’s the child of BB&T and SunTrust and it inherited some issues from both. The app’s functional, customer service is hit or miss. Honestly if your local credit union has decent savings rates, i’d just go with them.
 
I moved to Roanoke last year and picked First Community Bank. Surprisingly personal service. They remembered my name after one visit. Try getting that from BOA
 
Sultan112 said:
I’m moving to a small town in Virginia soon, and I’m trying to figure out which bank to go with. The only ones with physical branches there are Truist, Bank of America, National Bank, First Community Bank, and First Bank & Trust.

Out of those, I’ve only really heard of Truist and BOA.

Is Truist a solid choice or would one of the smaller/local banks be better?

I do plan on opening an account with the local credit union for everyday stuff but I’m also looking for a good bank to keep my savings in. Would appreciate any personal experiences thanks
Click to expand...
Why are you moving to Virginia?
 
Truist is the merger of BB&T and SunTrust. They’ve got solid infrastructure, but the transition was rough. Lots of bugs in the app for months. It’s mostly stabilized now though
 
Honestly, if you’re in a small town in Virginia, First Community Bank or First Bank & Trust might give you better service. They tend to know their customers and are more responsive in person
 
Truist’s checking and savings accounts come with a lot of “if you don’t do X, we charge you Y” clauses. Be sure to read the fine print if you don’t want maintenance fees
 
Bank of America has better online/mobile services IMO, but Truist might beat them on in-person experience depending on the branch. I use BoA for convenience, not love
 
I grew up in a small town nestled in the hills of southwest Virginia one of those places where everyone knows everyone, and change happens slowly if at all. It’s the kind of place where local businesses still thrive, where high school football is practically a religion, and where relationships are built on handshakes and familiarity.


For as long as I can remember, Truist well, it was BB&T back thenhas been the bank everyone used. It wasn’t just some faceless institution; it was part of the fabric of our community. And over the years, I’ve come to appreciate that in ways I didn’t expect.
 
First Bank & Trust helped my dad set up a business account and were super patient explaining everything. Smaller banks really can feel more human
 
BOA is everywhere but they’re also cold as hell. Truist might not have the tech edge, but my branch manager actually remembers stuff about me
 
You’re gonna get wildly different service depending on the branch. Even within Truist, one town’s location might be amazing, the next town’s is a nightmare
 
Is it just me, or are safe deposit boxes becoming some kind of urban legend now? Like, do any banks actually offer them anymore? I remember when I was younger, it seemed like every bank branch had a wall of those little metal drawers tucked away in some quiet corner. My parents had one they kept birth certificates, old coins, some paperwork they swore was irreplaceable, and a few mystery items I still don’t know about. It felt official, y’know? Like if something really mattered, it belonged in that box.


Fast forward to now, and it’s like these things just... vanished. I called Bank of America recently just to ask if they had any safe deposit boxes available at local branches, and the response I got was basically “LOL, no.” Not even a “We’re all full right now,” or “Check back later.” Just a flat-out nope, like I’d asked if they offered floppy disk storage. The tone was almost amused, like I was out of touch for even asking.


I get that digital storage is taking over the world and that more people are scanning documents or using encrypted drives for backups. But there’s still something about having a physical, secure place to store important stuff something tangible, protected, and not reliant on the cloud or your Wi-Fi connection. Especially in smaller towns or for older folks who don’t totally trust digital everything.


It’s wild to me that something so basic and time-tested is just... disappearing. So now I’m wondering: do any banks still offer safe deposit boxes? Maybe the smaller, local ones? Credit unions? Regional banks that still believe in face-to-face service and physical security? Or has the industry quietly phased them out while we were all distracted by mobile apps and paperless statements?
 
I wouldn’t touch Truist or Bank of America with a 10-foot pole these days. Honestly, every time I hear someone mention either of them, all I can think about are the endless fees, the impersonal service, and the overwhelming sense that you’re just another number in a sea of account holders. There's no warmth, no personality just cold, corporate efficiency (and not even the good kind of efficiency, either).


It’s like these banks have perfected the art of doing the absolute minimum while still managing to nickel-and-dime you for everything. Monthly maintenance fees. Overdraft fees. Fees for not maintaining a certain balance. Fees for breathing too hard near the ATM. It’s exhausting. And what's worse is when you actually need help like, real, human help you get bounced between automated phone trees, long hold times, and disinterested customer service reps who sound like they’re just waiting for their shift to end
 
Truist still doesn’t feel like a real bank to me. It’s hard to even describe exactly what it is, but there’s this weird, off-kilter feeling every time I interact with them like the whole thing is trying really hard to convince me it has its act together, but deep down, you can tell it doesn’t. It still feels like two separate banks BB&T and SunTrust awkwardly pretending to be one, and honestly, the illusion isn’t working.
 
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