Truist Bank $400 Checking Bonus – Ends 10/29/25

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 May 1, 2025 through October 29, 2025 using promo code TRUIST25DC400
• 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 $1,000 or more within 120 days of account opening.
• The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. Truist verification will occur one time after the qualification requirements are initially met. The new checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward.

Update 6/3/25: I just opened this new $400 bank bonus and the ease of use and set up is a breeze. Customer service on my end has been nothing but stellar!

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

Fine Print

• Open a new Truist One Checking account online from 5/1/25 through 10/29/25 and receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening and earn $400.
• Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code TRUIST25DC400. Please refer to the Account Opening and Enrollment section below for full instructions.
• A qualifying Direct Deposit is an electronic credit (greater than $0.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency. 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.
• 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 5/1/24 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 mailing address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.
• 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 and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward. Truist verification will occur one time after the qualification requirements are initially met. 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: (1) the checking account is changed to an account type not included in this client offer, (2) the checking account is closed prior to the reward being deposited, or (3) the new checking account has a $0.00 or negative available balance at the time Truist verifies the qualification requirements have been met.
• 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 our sole discretion to prohibit a reward payout to non-eligible individuals for any offers claimed through third-party websites with no affiliation or prior authorization from Truist. All promotional payouts will be processed no later than 1/31/26 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.

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!