Ever found yourself staring at an important document, realizing it needs to be notarized, and wondering, "How much does Truist charge for notary services?" You're not alone! It's a common question, and getting a document notarized is a crucial step for many legal and financial transactions. While some institutions might surprise you with hidden fees, understanding Truist's policy can save you time, money, and a bit of a headache.
This comprehensive guide will walk you through everything you need to know about getting your documents notarized at Truist, from what to expect to how to prepare, and most importantly, the cost.
Step 1: Are you a Truist customer?
Let's kick things off with the most important question! Are you currently a Truist bank customer, holding a checking, savings, or other active account with them?
If you are, you're likely in luck! Many banks, including Truist, often offer complimentary notary services to their account holders as a value-added service. This is a significant perk of being a customer.
If you're not a Truist customer, don't despair! While it's less common for banks to offer free notary services to non-customers, some may still provide the service for a fee. However, the exact policy can vary by branch and individual notary.
QuickTip: Skim fast, then return for detail.
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| How Much Does Truist Charge For Notary Services |
Step 2: Understanding Truist's Notary Service Fees (or Lack Thereof)
This is where the direct answer to your question comes in. Based on common banking practices and available information:
Sub-heading: For Truist Customers
- Generally, Truist offers free notary services to its customers. This is a widely observed practice among major banks to provide convenience and incentivize customer loyalty. So, if you have an account with Truist, you can typically get your documents notarized without incurring a fee.
- However, it's always prudent to confirm directly with your local branch. While the general policy is often free for customers, there might be rare exceptions or specific document types that fall outside the complimentary service.
Sub-heading: For Non-Truist Customers
- Truist's policy for non-customers can be less clear-cut and may vary. Some banks may charge a small fee (typically ranging from $10-$20 per signature) for notary services to non-customers, while others may decline to offer the service altogether, advising you to go to your own bank.
- It's highly recommended to call the specific Truist branch you plan to visit beforehand if you are not a customer. This will save you a wasted trip and provide you with accurate information regarding their non-customer notary policy and any associated fees.
Sub-heading: State-Specific Notary Fees
It's important to note that notary fees are often regulated at the state level. Even if a bank charges a fee, it must typically adhere to the maximum fees allowed by the state where the notarization takes place. These fees can vary significantly from state to state. For example, some states might cap notary fees at $5 or $10 per signature, while others may have different structures or even no set fee schedule.
Step 3: Preparing for Your Notary Appointment at Truist
Regardless of whether you're a customer or not, preparing properly will ensure a smooth and efficient notarization process.
Sub-heading: Gather Your Documents
- Bring the complete document(s) you need notarized. Do not sign the document beforehand! The signing must occur in the presence of the notary.
- Ensure all pages are present and in the correct order. The notary needs to verify the entire document.
Sub-heading: Bring Valid Photo Identification
- This is arguably the most critical step. A notary public is legally required to verify your identity.
- Acceptable forms of ID typically include:
- State-issued driver's license
- State-issued identification card
- U.S. Passport
- Foreign Passport with appropriate visa (if applicable)
- Military ID
- The ID must be current, unexpired, and contain:
- Your photo
- Your signature
- A physical description (height, eye color, etc.)
- Expired IDs will almost always be rejected.
Sub-heading: Know What Type of Notarization You Need
While you don't need to be an expert, having a general idea can be helpful. Common types of notarization include:
QuickTip: Don’t skim too fast — depth matters.
- Acknowledgments: You appear before the notary and declare that you signed the document willingly.
- Jurats: You sign the document in the notary's presence and swear or affirm that the contents of the document are true. This is often used for affidavits.
- Copy Certifications: The notary certifies that a copy of an original document is true and accurate. (Note: Not all documents can be copy-certified, e.g., vital records like birth certificates.)
Sub-heading: Understand the Document's Purpose
While the notary cannot give legal advice, they may ask questions to ensure you understand the document you are signing and that you are not under duress. Be prepared to briefly explain the nature of the document.
Step 4: Visiting a Truist Branch for Notary Services
Once you're prepared, here's what to do when you arrive:
Sub-heading: Find a Branch with Notary Services
- Not all branches may have a notary available at all times. It's highly advisable to call your local Truist branch in advance to confirm they have a notary on staff and available.
- You can typically find branch contact information and hours on the Truist website's "Find a Branch" tool.
Sub-heading: Schedule an Appointment (If Possible)
- Some branches may allow or even encourage you to schedule an appointment with a notary. This can minimize your waiting time.
- Even if an appointment isn't strictly necessary, calling ahead allows you to confirm availability.
Sub-heading: Be Patient
- While banks strive for efficiency, a notary may be assisting other customers or have other banking duties. Be prepared for a short wait.
Sub-heading: Follow the Notary's Instructions
- The notary will guide you through the process. They will review your ID, the document, and witness your signature.
- Do not sign until instructed to do so by the notary.
- They will then complete the notarial certificate, apply their official stamp or seal, and record the transaction in their notary journal.
Step 5: Alternative Notary Options (If Truist Doesn't Work Out)
If for some reason Truist can't accommodate your notary needs (e.g., no notary available, not a customer and they charge a fee you wish to avoid, or the document type isn't supported), don't worry! You have other options:
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Sub-heading: Other Banks and Credit Unions
- Your own bank or credit union is often the best alternative, as they typically offer free notary services to their account holders.
- Call ahead to inquire about their notary services and fees for non-customers.
Sub-heading: UPS Stores, PostalAnnex, and Shipping Centers
- Many of these establishments have notaries on staff and offer services to the public for a fee. Fees typically range from $10 to $30 per signature.
Sub-heading: Public Libraries
- Some public libraries offer free or low-cost notary services to their community. Check your local library's website or call them for details.
Sub-heading: Law Offices
- Law firms often have notaries on staff. While they primarily serve their clients, some may offer public notary services for a fee.
Sub-heading: Online Notary Services (Remote Online Notarization - RON)
- For certain documents, you may be able to use an online notary service. These services connect you with a live notary via video call, allowing you to get documents notarized remotely.
- Be aware that not all documents can be notarized online, and the legality of RON varies by state and document type. There will be a fee for these services, often around $25-$30 per session.
By following these steps, you'll be well-equipped to navigate the world of notary services, particularly when dealing with Truist. Remember, preparation and a quick phone call can save you a lot of hassle!
Tip: The middle often holds the main point.
10 Related FAQ Questions
How to find a Truist branch with notary services?
You can find a Truist branch by using the "Find a Branch & ATM" locator on the official Truist website and calling the specific branch to inquire about notary availability.
How to prepare my documents for notarization at Truist?
Ensure your documents are complete and do not sign them beforehand. The notary must witness your signature.
How to bring proper identification for notary services at Truist?
Bring a current, government-issued photo ID such as a driver's license, state ID, or passport. The ID must not be expired.
How to know if I need an appointment for notary services at Truist?
While not always required, it's highly recommended to call your local Truist branch in advance to confirm a notary's availability and whether an appointment is necessary.
Tip: Review key points when done.
How to notarize a document if I am not a Truist customer?
If you're not a Truist customer, call the branch first to ask about their policy for non-customers. They may charge a fee or direct you to your own bank.
How to handle situations where a Truist notary is unavailable?
If a notary isn't available at Truist, consider visiting your own bank, a UPS Store, a local library, or exploring online notary services.
How to understand different types of notarizations?
Common types include Acknowledgments (you acknowledge your signature) and Jurats (you sign and swear/affirm the document's truthfulness). The notary will confirm the correct type based on your document.
How to ensure my document is valid after notarization?
The notary will complete a notarial certificate, apply their seal, and record the transaction in their journal. Ensure all blanks are filled and the seal is clear.
How to get a document notarized if I'm out of state?
If you're out of state, you can look for a notary at a local bank or a private notary service in your current location, or utilize a remote online notarization (RON) service if your document allows for it.
How to confirm the maximum notary fees in my state?
You can typically find information on state-mandated notary fees on your state's Secretary of State website or by consulting a reliable legal resource.
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