Deposits · August 2026
Truist publishes its savings rate and holds back its routing number
An AI agent ran five ordinary deposits tasks on the public pages of Truist and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Bank
60/100
Mystery Agent score
Deposits · rank 12 of 25
Savings rate
92Served as text
Checking comparison
90Served as text
Fee schedule
86Served as PDF
Routing number
18Arrives after scripts
Application page
15Automated reader declined
Summary
- Truist lists its complete Truist One Savings APY ladder as plain text, from the lowest balance tier to the highest.
- Truist One Checking carries a $12 fee waived by direct deposits, and Marquee Checking waives its $35 fee at a $250,000 balance.
- An AI agent opened Truist's fee schedule PDF and read 852 lines covering checking, savings, and wire transfer pricing in one document.
- Adding the nine-digit routing number as text on the help article would save a reader a trip to an outside lookup tool.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text92 out of 100
The savings page lays out the complete Truist One Savings interest rate table in plain text, from the lowest balance tier through the highest, with every tier currently paying a 0.01% APY.
Task 02Checking comparisonServed as text90 out of 100
Truist One Checking and Truist Marquee Checking each spell out their fee and every waiver path in complete sentences, letting an automated reader compare the everyday tier against the relationship tier directly.
Task 03Fee scheduleServed as PDF86 out of 100
A PDF linked from the savings page extracts cleanly into 852 lines covering personal checking, money market, savings, deposit services, and wire transfer pricing in one complete document.
Task 04Routing numberArrives after scripts18 out of 100
A help article explains what a routing number is and describes three ways to find one, the mobile app, online banking, or an outside lookup tool, without the actual digits appearing on the page.
Task 05Application pageAutomated reader declined15 out of 100
The account opening page an AI agent reaches from the savings hub serves a loading message rather than a form, with the actual application content set to arrive once scripts finish running.
The routing number help page teaches the concept well but stops short of publishing the nine-digit number itself as text.
The application page
What the account opening page states to a reader that runs no scripts.
1,576Bytes delivered
28Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- Truist publishes a complete Truist One Savings APY tier table as plain delivered text, from the lowest balance tier through the highest, without requiring a PDF or a login.
- Truist serves an 850-line, fully text-searchable personal deposit accounts fee schedule as a clean PDF covering seven account and service categories in one document.
- Both checking product pages spell out monthly fees and every waiver path in complete sentences with specific dollar thresholds and age cutoffs, letting a reading agent build an accurate side-by-side comparison without any script execution.
Opportunities
- The routing number help page teaches the concept well but stops short of publishing the nine-digit number itself as text; adding it directly would remove an app login or external lookup step for the reader.
- The savings account opening page is a client-rendered shell that serves 28 characters and zero fields on first load; publishing the account requirements such as SSN, ID, and funding minimum as static text before the JavaScript boots would let a reading agent capture them on the first pass.
- an llms.txt file is available to publish at the root domain; adding one would give agents a stated, stable entry point into the deposit account facts that are already well written elsewhere on the site.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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