Banks want your business and are willing to pay for it. They regularly run promotions to drum up business and give away free cash or bank bonuses. This means you can earn hundreds of dollars just for opening an account or keeping it open in good standing.
Current Truist Bank Promotions: September 2025
Depending on the account type, you can take advantage of various Truist promotions and bonus offers now.
| Account | Bonus Amount | Expiration Date |
|---|---|---|
| Truist One Checking | $400 | Oct. 29, 2025 |
| Truist Small Business Checking Account | $400 | Sept. 30, 2025 |
Truist One Checking Account Bonus: Earn $400
If you are looking for a new checking account, it may be time to consider Truist. If you open a new Truist One Checking account online before Oct. 29, 2025, you could be eligible for this promotion. Here are some key takeaways:
- Bonus value: $400
- Expiration date: Oct. 29, 2025
- How to claim: You must receive at least two qualifying direct deposits totaling $1,000 or more within 120 days of account opening.
- Terms and conditions: Offer is not available to existing Truist account holders. Offer only available to U.S. residents with a valid U.S. taxpayer identification number. The checking account must be opened online and linked to a mailing address in one of the following states: Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Maryland, Mississippi, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia or the District of Columbia.
Start earning this bonus with One Simple Choice.
How Can You Avoid the Truist Monthly Maintenance Fee?
The Truist One Checking account does come with a $12 monthly service fee that you can avoid by meeting any one of the following requirements:
- You are 62 years old or older
- You are a student under the age of 25
- You maintain a $500 minimum balance as a combined total among any Truist accounts
- You get $500 or more directly deposited into your account monthly
- You have a Truist credit card, mortgage or loan
- You have a linked small business checking account
Truist Small Business Checking Account Bonus: Earn $400
If you use a promo code when opening a new small business checking account with Truist, you can earn a $400 business checking bonus. Here are some details to know about this Truist bonus:
- Bonus value: $400
- Expiration date: Sept. 30, 2025
- How to claim: You must use the promo code SB25Q2CHECKING and make qualifying deposits of $2,000 or more into your new account within 30 days of opening your account. The bonus is only open to eligible accounts to earn the $400 — either the Simple Business Checking or Dynamic Business Checking account.
- Terms and conditions: Qualifying deposits exclude debit card credit transactions. You must be a new Truist business checking customer to be eligible. The business’s physical address must be in one of the following states: Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Maryland, Mississippi, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia or the District of Columbia.
Don’t miss this Small Business Checking Offer.
Good To Know
Truist is a full-service bank that merged with SunTrust to form Truist Financial Corp., one of the largest banks in the United States. Both banks continue to operate independently and run their own promotions.
How To Open a Truist Bank Account
You can open a new Truist account at a local branch or online. Follow these simple steps.
1. Gather the Necessary Information and Documentation
Here’s what you’ll need to provide to open an account:
- Social Security number
- Driver’s license or state ID
- Date of birth
- Physical address
- Opening deposit
To open an account, you’ll also need to provide employment and income details and statements from credit accounts you want to transfer.
2. Complete the Online Application
Follow the prompts and provide the information requested. Though these instructions are for online applications, you can also open a new account with Truist promo codes in person at any branch.
3. Fund the Account
You can deposit money into your checking or savings account electronically. You’ll need to provide your client identification number and routing and account numbers from the bank you want to use to fund the account. Once your account is opened, you can log in.
Comparing Truist Offers to Competitor Promotions
There’s a competitive $400 bonus to be earned at Truist, on either the personal or business checking accounts, along with a low minimum deposit requirement. Other similar banks, such as Huntington Bank and Fifth Third Bank, offer similar bonuses with the same amount in cash value or even higher. Where Truist stands apart, though, is its fee waivers and perks for business banking customers.
Here’s a look at a checking account comparison between Truist and similar banks.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$12, waivable
$10 to $25
$0 to $25 monthly — can be waived
APY
APY
APY
N/A
N/A
Up to
Min Opening
Min Opening
Min Opening
$50
$0
$0
Are Truist Offers Worth It?
Switching to Truist may be worth it if you’re interested in opening a new checking account or a Truist business checking account. Promotion codes, bonuses and other offers often expire, so be sure to check the latest updates from Truist to stay informed on how to qualify for extra rewards and cash.
Truist Bank Promotions FAQ
Here are some answers to frequently asked questions about Truist Bank promotions, promo codes, bonuses and offers.- How long does it take to receive a new account bonus?
- After completing the qualifying activities, Truist will award new account bonuses within four weeks. For example, to qualify for the Truist One checking account, you must receive at least two direct deposits of $1,000 or more in the first 120 days after account opening.
- Can existing customers qualify for these promotions?
- No. Truist Bank promotions are reserved for new account openings. If you’ve held an account in the last 12 months or are a current customer, you are not eligible.
- What happens if I close my account early?
- If you close your account at Truist early, you will lose out on the ability to receive the bonus. Also, if your account was closed in a charged-off status, there’s an additional $30 fee.
- Are there any taxes on bank bonuses?
- Yes, bank bonuses are considered taxable income, so Truist may report them to the IRS. If you receive an interest income tax form from Truist, you can include it when you file your annual income tax return.
Laura Bogart and Cynthia Bowman contributed to the reporting for this article.
More About Truist Bank
- Truist Bank Review
- Truist Savings Account Interest Rates
- Truist CD Rates
- Truist Bank Hours
- Truist Routing Number
Information is accurate as of Sept. 4, 2025, and is subject to change.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.