Truist Bank $400 Checking Bonus – Ends 3/25/26

You can earn a $400 bonus when you open any personal checking account with Truist Bank.

To qualify for the bonus:

• Open a new Truist One Checking account online from October 30, 2025 through March 25, 2026 using promo code DC400TR1Q425.
• You must open the account online and enter the promo code to be eligible to participate in the promotion.
• Receive at least 2 qualifying direct deposits totaling $2,000 or more AND complete at least 20 qualifying debit card purchases within 120 days of account opening. All debit purchases must be posted to your account to qualify.
• The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. The new checking account must be open, not restricted, and have a balance of at least $0.01. Truist verification will occur one time after the qualification requirements are initially met.

Update 10/31/25: The offer has been extended through 3/25/26.

The Truist One Checking has a $12 monthly fee but can be waived by one of the following:

• Make $500 or more in total qualifying Direct Deposits per statement cycle.
• Maintain a combined monthly avg. balance of $500 or more across all eligible Truist accounts.
• Have a personal Truist credit card, mortgage or consumer loan, excluding LightStream.®
• Have a linked small business checking account.
• Students under age 25.

Truist Bank $400 Checking Bonus

• Direct Link to Offer
• What you’ll get: $400 bonus
• Account Type: Checking Account
• Availability: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC. (Locator)
• Direct Deposit Requirement: Yes
• Credit Inquiry: Soft Pull
• ChexSystem: Yes
• Credit Card Funding: $250
• Monthly Fees: $12, waivable with one of the following:
  • Make $500 or more in total qualifying Direct Deposits per statement cycle.
  • Maintain a total combined ledger balance of $500 or more across all eligible Truist accounts.
  • Have a personal Truist credit card, mortgage or consumer loan, including LightStream.®
  • Have a linked small business checking account.
  • Students under age 25.
• Early Account Termination Fee: None
• Household Limit: None

(Expires 03/29/2026)

Fine Print

• Offer Information: Open a new Truist One Checking account online from 10/30/25 through 3/25/26, complete the following activities within 120 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion.
• Receive at least two qualifying direct deposits* totaling $2,000 or more AND
  Complete at least 20 qualifying debit card purchases** within 120 days of account opening. All debit purchases must be posted to your account to qualify.
  Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code DC400TR1Q425. Please refer to the Account Opening and Enrollment section below for full instructions.
• *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 10/30/24 are not eligible to participate. Offer valid for Truist One Checking accounts only. 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 available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and 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 4 weeks after the qualification requirements have been met and verified. 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: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met.
• Other Terms: Minimum opening deposit is $50. 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. All promotional payouts will be processed no later than 3/31/27 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made. All standard account terms and conditions apply.
• Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter DC400TR1Q425 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.

Bottom Line

Thought this bonus does require a bit more effort, it’s an overall generous offer from Truist. I would consider this a favorable offer.

For more, see our list of the latest Truist Bank bonuses or check out our full list of bank promotions to keep updated on the best offers!