Truist Bank Promotions: Best Offers and Bonuses
Written by
Caitlyn Moorhead
Edited by
Nupur Gambhir, CFHC™
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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: March 2026
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 | $500 | February 2, 2027 |
| Truist Simple Business Checking & Truist Dynamic Business Checking | $500 | February 2, 2027 |
Truist One Checking Account Bonus: Earn $500
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 July 9, 2026, you could be eligible for this promotion. Here are some key takeaways:
- Bonus value: $500
- Expiration date: February 2, 2027
- How to claim: You must receive at least two qualifying direct deposits totaling $2,000 or more & complete at least 20 qualifying debit card purchases within 120 days of account opening.
- Terms and conditions: You must use a promo code. Offer is not available to existing Truist checking clients. Offer only available to U.S. residents with a valid U.S. taxpayer identification number. The checking account must be opened online, by phone, or in person and linked to a physical 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. The reward will be deposited to the new checking account within 10 business days after the qualification requirements have been met and verified.
Start earning this bonus with Truist One Checking.
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 under the age of 25 or age 62 and older
- You are a student
- You maintain a total combined ledger balance of $500 or more in your Truist related accounts
- You make $500 or more in total qualifying Direct Deposits per statement cycle
- You have a personal Truist credit card, mortgage or consumer loan, including LightStream®
- 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: April 2, 2026
- How to claim: You must use the promo code SB25Q4CHECKING 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 monthly maintenance fee, 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 Jul. 14, 2026, 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.
The Monthly Maintenance Fee (MMF) can be waived for the Truist One Checking account for each statement cycle by any one of the following:
Maintenance fees are waived for primary account owners under the age of 25 or age 62 and older.
Making $500 or more in total qualifying Direct Deposits per statement cycle. A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
Maintain a total combined ledger balance of $500 or more in your Truist related accounts. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA) and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance.
Having a personal Truist credit card, mortgage or consumer loan, including LightStream®.
Having a linked Small Business Checking Account. Eligible Small Business account types include: Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and Business Value 200. Primary account owner is a student. The waiver for a student requires they are listed as the primary account owner and they provide their anticipated graduation date. The waiver expires on the provided graduation date. On this date, the account is subject to the Monthly Maintenance Fee unless at least one waiver criterion is satisfied
Terms and Conditions: Truist Checking $500 Offer:
Offer Information: Open a new Truist One Checking account or Truist Marquee Checking account online, in a branch or by phone from 7/14/26 through 2/2/27 and earn $500 after you complete the following qualifying activities within 120 days of the account opening (the day after your account is opened is considered day 1). All required transactions for qualifying activities must post to the enrolled account within the 120-day qualification period.
- Receive at least two qualifying direct deposits* totaling $2,000 or more, AND
- Complete at least 20 qualifying debit card purchases**
Enrollment in the promotion is required (see Enrollment Instructions). A valid promo code must be applied at account opening to enroll in the promotion and cannot be added after the account is opened. Promo codes are single-use only, should not be shared, and once redeemed, the promo code will no longer be valid.
*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person-to-person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.
**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.
Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 7/14/25 are not eligible to participate. Offer valid for Truist One Checking accounts and Truist Marquee Checking accounts only. The new checking account cannot be changed to an account type not included in this client offer. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer is available only to U.S. residents with a valid U.S. taxpayer identification number. The client must have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.
Reward Processing: The reward will be deposited to the new checking account within 10 business days after the qualification requirements have been met. The Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. Reward forfeiture will occur if at the time of attempted payout the new checking account: (1) has a $0.00 or negative current balance or (2) is restricted or closed. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account.
Other Terms: The minimum opening deposit for Truist One Checking is $50. The minimum opening deposit for Truist Marquee Checking is $100. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. For Truist Marquee Checking, the Annual Percentage Yield (APY) is 0.01% for all balances $0.01 and above. The APY is accurate as of 7/14/26 and subject to change at any time, including after account opening. Fees may reduce earnings. All standard account terms and conditions apply.
Enrollment Instructions: Online: A valid promo code must be entered in the promo code field during account opening and the offer must be accepted when presented. By Phone or In Person: Request enrollment in the promotion using a valid promo code during account opening. Once enrolled in the promotion, progress updates are available through Truist Online and Mobile Banking or by calling 800-423-0948.
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Truist Bank, Member FDIC. ©2026, Truist Financial Corporation. Truist, Truist Purple and the Truist Logo are service marks of Truist Financial Corporation.
