Truist $400 Checking Bonus [AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC]

Update 5/2/25:

  • New promo code TRUIST25DC400
  • Valid through 10/29/2025
  • New Eligibility Date: who closed previous accounts before 5/1/24 are eligible now

New promo code: DC2425TR1400, extended through 4/30/25.
New Eligibility Date: who closed previous accounts before 10/31/23 are eligible now.

Update 6/23/24: Offer extended until 10/30/2024

Update 2/28/24: Bonus is now $400 and extended until 6/26/24.

Offer at a glance

The Offer

Direct link to offer

  • Truist is offering a bonus of $400 when you open a new checking account and complete the following requirements:
    • Use promo code DC2425TR1400
    • Receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening
    • Complete at least 15 qualifying debit card purchases** within 90 days of account opening. All debit purchases must be posted to your account to qualify.

 

 

The Fine Print

  • Valid for new personal Truist Dimension, Truist Bright or Truist Fundamental checking accounts opened from 4/1/22 through 7/14/22. Enrollment in the promotion is required at account opening using promo code TR2CHK22 to be eligible for any promotion reward. Please refer to the Account Opening and Enrollment section below for instructions.
  • How to Earn $300:
    • Open a new eligible* Truist personal checking account from April 1, 2022 through July 14, 2022
    • Receive at least 2 qualifying Direct Deposits** totaling $500 or more within 90 days of account opening.
  • Clients with an existing personal checking account with Truist or who have closed an account with Truist on or after 1/20/22 are not eligible to participate. Account holder must be 18 or older at the time of account opening. Truist employees are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened in a Truist branch in one of the following states, or online, and have a mailing address in: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Truist Bright Checking has a $12 monthly fee this is waived with either of the following requirements:

  • Monthly direct deposits over $500 or
  • $1,500 $500 average ledger balance

Early Account Termination Fee

I didn’t see any mention of the EATF in the fee schedule.

Our Verdict

Truist is the new name for the merged BB&T and SunTrust bank. Keep in mind you won’t be eligible for this bonus if you’ve held a BB&T/SunTrust or Truist account since 2/1/21. They launched with a $500 bonus,  but we haven’t seen that bonus return and normally it’s only $200 so I’d recommend doing this offer and will add to the best bank account bonuses.

Useful posts regarding bank bonuses:

Post history:

  • Update 11/13/23: Extended until February 27, 2024.
  • Update 8/13/23: Deal is back and valid until October 31, 2023. Bonus has been reduced to $300, so worth waiting for $400 to return.
  • Update 5/27/23: Extended until July 25, 2023.
  • Update 5/16/23: Extended until June 1, 2023.
  • Update 4/17/23: Deal is back and valid until 5/15/23. Hat tip to Tornado
  • Update 1/22/23: Make sure adblocker is disabled to get promo code to work properly.
  • Update 1/22/23: Deal is back, has been increased to $400 from $200 and valid until Apr. 14, 2023. Terms do state ‘Offer Eligibility: Offer is only available to individuals who received a direct communication from Truist.’ so unsure if this targeted or not. Does show up in a google search for vague terms such as ‘checking bonus’.
  • Update 11/12/22: Deal is back but reduced to $200. Hat tip to reader John.
    William Charles
  • On May 2, 2025, 02:45
Tags: al bank bonusesar bank bonusescredit card fundingdirect deposit requiredga bank bonusessoft pull

View Comments (2811)

  • oops. Was attempting a search and realized I'd posted a comment I can't find a way to delete. Ignore this.

  • Got the old unable to Id-
    We will not be able to move forward with your request at this time. In review of your request, we cannot verify your application information through our digital process. If you feel this decision was received in error or that you have incorrectly input information associated with your identity, you may review the recommended next steps below.

    This does say online only. So, may not be worth it going into a branch?

    • Choose your own adventure.

      If you go into a branch, you can explain your conundrum that you cannot open online, and if you can get the banker on your side, they can have to promo attached to the account. I have seen DP's for it on this post, and personally have seen it done at Citizens Bank, which is a similar sized bank.

      Another option, if you don't feel like persuading a banker, open a savings acct in branch, then after a few days, I'd try opening a checking account online. @guest_2053952

  • 4/24/25 Account Opened initiated $50 Debit Card and RTP $50
    4/24/25 Initiated ACH PUSH 1x 1002.35 1x 1001.32 Chase
    4/25/25 ACH credit 2x 1000 and change
    4/28/25 $50 Acct Funding from Debit card Posted
    4/29/25 Ach Pull Chase 1100 left ~900 for bills and maintaining
    5/2/25 $400 Bonus Posted/Deposited

    5 business days/1 week from "ACH DD"

    All Chase except for $50 initial funding, PNC Debit.

    Not planning to close anytime soon.

  • account open, but can't seem to sign up for online banking, give some kind of weird error. "service currently not available, please try later" anyone else has similar issue?

    • @guest_2053667 Call customer service, tell them you need help establishing your online profile & they will help complete the process.

  • [in-person branch datapoint] I’m a non-resident alien and live near two small branches and one main branch. When I tried to apply in person at one of the small branches, they told me the promotion is only for U.S. citizens. I called the other small branch and mentioned that I’m not a citizen but have an SSN—they said I’m eligible. I wasn’t able to schedule an appointment online because they’re understaffed. I went in person, but they asked me to come back after two hours since no banker was available.

    I then went to the main branch, where a banker helped me open the account. He said he submitted a request to the back office to apply the promotion to my account, even though it’s officially an online-only offer, and that he should hear back within two weeks. I was able to open the account successfully, but the promotion hasn’t been added yet.

  • Funnything!! I am a resident alien and probably the reason why I got "We couldn't verify you and you need to visit branch to open" message.

    I took and appointment and mentioned "I want to open checking with promo code". They called me saying they can't open account with promo code in branch.

    Anyone have any insights on this? Is it mentioned anywhere that this is online only offer.

    I am guessing, the branch doesn't want to waste time on churners.

  • “receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening and earn $400.”

    Is that 2 DD of $1k each OR 2 DD that equals $1k total?

    • Thinking of doing $1k one paycheck and then like $10 the next one.

      That should cover it right?

    • The latter. Doesn't hurt to go above and beyond though.

  • Don't be like me, I pulled all the money out after completing the direct deposit requirement. Truist wouldn't pay the bonus unless you have at least $0.01 in the account.

    • Even if not in the terms (which it is) it's a good practice to never zero an account you want to keep open, especially if waiting on a bonus to payout.

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