Find an updated list of Truist Bank promotions, bonuses, and offers here.
Update 7/15/26: The personal checking offer has been improved to a $500 offer (up from $400) valid through 2/2/27.
Truist Bank $500 Checking Bonus
Truist Bank is offering new checking clients an opportunity to earn a $500 bonus! Simply open a new Truist One Checking account and complete qualifying activities.
- Learn More
- What you’ll get: $500 bonus
- Account Type: Truist One Checking
- Availability: AL, AR, D.C., GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV
- Direct Deposit Requirement: Yes
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Monthly Fees: $0-12, avoidable
- Early Account Termination Fee: None
- Household Limit: None
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. Preauthorized 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.
How to Earn Bonus
HOW TO EARN THE BONUSFINE PRINT
- 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**
- The reward will be deposited to the new checking account within 10 business days after the qualification requirements have been met.
- 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.
Truist Bank $400 Business Checking Bonus (Expired)
For residents, Truist Bank is offering you an opportunity to earn $400 Business Checking Bonus! Simply open a checking account and begin to earn and save. Take advantage while you can.
- Learn more at Truist
- What you’ll get: $400 bonus
- Account Type: Business Checking Account
- Availability: AL, AR, D.C., GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
- Direct Deposit Requirement: No
- Credit Inquiry: Soft pull
- ChexSystems: Yes
- Credit Card Funding: None
- Monthly Fees: $5 or $20, see below on how to waive
- Early Account Termination Fee: Bonus forfeit if closed within 180 days
- Household Limit: None
Waive Monthly Fees:
- Truist Dynamic Business Checking: $20 monthly fee waived with $5,000 average relationship balance
- Truist Simple Business Savings: $5 monthly fee waived with one of the following:
- $250 minimum daily balance
- $500 average monthly balance,
- One recurring pre-authorized deposit or transfer of at least $100 per monthly statement cycle.
(Expires 07/09/2026)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Chase Business Checking ($500 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Bank of America Business Checking ($400 or $750 bonus offer) | |
How to Earn Bonus
- Open a new Simple Business Checking or Dynamic Business Checking account.
- Must be a new business checking client. Use promo code SB26Q2CHECKING online, by phone, or in a branch between April 7, 2026, and July 9, 2026.
- Make qualifying deposits of $2,000 or more. Just complete this step within 30 days of opening your account.
- Earn $400. Your reward will be deposited to your new business checking account within 4 weeks after the qualification requirements have been met and verified.
Fine Print
- Truist Teammate Instructions: Enrollment in the promotion is required at the time of account opening and must be completed in the Promotions Center from 4/7/2026 through 7/9/2026, using Promo Code SB26Q2CHECKING and indicating the last four digits of the checking account number opened.
- Disclosure1 Terms and Conditions for the Truist Small Business Checking Q2 2026 Offer: SB26Q2CHECKING, opens in new tab
- Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/7/2026 through 7/9/2026 and earn $400 by making Qualifying Deposits* of $2,000 or more into your account within 30 days of account opening.
- Enrollment in the promotion is required at the time of new business checking account opening using promo code SB26Q2CHECKING to be eligible for a promotion reward. Please refer to the Account Opening & Promotion Enrollment sections below for instructions.
- *Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.
- Offer Eligibility: You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a business checking account with Truist within 365 days prior to the promotion start date (on or after 4/7/2025), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). You are not eligible for this offer if the grantor on a Trust account or primary owner, controlling person, or beneficial owner listed for the account has enrolled in a business checking promotion within the past 365 days. The primary business account holder must have a valid US TIN. For accounts opened using a Social Security Number (SSN), the primary account holder must be 18 years or older at time of account opening and cannot be a non-resident alien. The business’s physical address must be located in the following states: 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 $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose average daily balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist’s Business Deposit Accounts Fee Schedule for additional information. The offer is non-transferable and may not be combined with any other offers. This offer 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 standard account terms and conditions apply.
- Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB26Q2CHECKING is entered into the Promo Code field and accept the offer when presented. Accounts opened online without the Promo Code will not be eligible to participate in the offer.
- Branch Account Opening & Promotion Enrollment Instructions: Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the Truist Small Business Checking Q2 2026 Offer using promo code SB26Q2CHECKING. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800-709-8700, opens in new tab.
- Truist Bank, Member FDIC. ©2026, Truist Financial Corporation. Truist, Truist Purple and the Truist Logo are service marks of Truist Financial Corporation
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How To Waive Monthly Fees
- Truist One Checking account: You can choose any one of these ways to waive the $12 monthly maintenance fee. You only need to do one!
- 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.
- Having a personal Truist credit card, mortgage or consumer loan, including LightStream®.
- Having a linked Small Business Checking Account
- Primary account owner is a student.
- Truist Simple Business Checking: No Monthly maintenance fee
- Truist Dynamic Business Checking: $20 Monthly maintenance fee (waived with $5,000 average relationship balance)
- Truist Community Checking: $0 Monthly maintenance fee
Bottom Line
Truist Bank is offering tons of promotions like these checking bonuses. The steps to follow are easy and fast, so be sure to take advantage today while you can.
Both the $400 personal checking bonus and $400 business checking bonus are phenomenal offers. I personally have these accounts and the ease of use and set up is a breeze. Customer service on my end has been nothing but stellar!
*Compare Truist Bank Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD Bank, Axos Bank, BMO, SoFi, Fifth Third Bank, Bank of America, U.S. Bank, and more!*
both my wife and I got blocked, read declined by Truist. They are using our mailing address to go off of. she s has never had an account at truist and i open one in sept 23 as an individual only. got my bonus and then closed it out. they want me to come in.. oh I will… $1000 to make $400 in 90 days…
Anthony,
I love your site and always click your sponsored links to great success. Back in November ‘23 – I opened a persons checking account and fulfilled the requirements for the $300 bonus. I took a screen shot but can’t find it. ?. Would you happen have it archived it? I would really appreciate it as Truist is saying I did not fully comply with terms.
Thanks very much.
Need to open account now
Need that