1 /5 Elan Gepner-Dales: DO NOT DO BUSINESS BANKING WITH TRUIST!!! I was a victim of fraud by the Faceless Freedom YouTube automation scam. They disappeared with my funds and never delivered promised services. Because of the full year contract timeline (the merchant didnt own any deliverables for the first 3 months), I wasnt able to submit the chargeback dispute until after Truists 60 day dispute window. Luckiy, or so I thought, I knew I was protected by Visas Chargeback rule 13.1, which gives the cardholder 540 days from the date of the transaction for the services to be due. It was a large investment made across multiple cards. EVERY OTHER BANK, AMEX, US BANK, CHASE, US BANK, PNC, ALL made exceptions to their chargeback windows, and the Visa cards honored Visas Chargeback Policy. BUT TRUIST DID NOT!!! Their reps always say, "thanks for being the best part of Truist," but they refused to issue a simple chargeback against clear fraud. To add insult to injury, the merchants own payment processor, acknowledged the fraud and said they would be HAPPY to refund the money, but couldnt send it to me without Truist issuing the chargeback. TRUIST KNEW that PayPal was waiting to send me the money, I sent them literal communications from PayPal saying so, and still, they refused to make any exception and support my chargeback, to a waiting PayPal. Find a bank that partners with you, DONT BANK WITH TRUIST!!!