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

Earn a $400 bonus for a new checking account with this offer from Truist Bank. Direct deposit will be required for this promo.

• Update 5/1/25: The offer is back through October 29, 205. You may want to consider this $400 offer from BMO Bank instead.
• Update 11/5/24: The offer has been extended through 4/30/25.
• Update 9/28/2024: The offer’s new expiration date is October 30, 2024.
• Update 2/29/2024: The offer has been extended through June 26, 2024.

Truist is headquartered in Charlotte, NC. Following the merger, Truist becomes the sixth-largest U.S. commercial bank with thousands of locations in AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV and DC.

See the bottom of this page for all Truist Bank offers.

Truist Bank Bonus: $400 Checking Offer

• What you’ll get: $400
• Where it’s available: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.
• How to earn it:
  • Open a new Truist One Checking account. Enrollment in the promotion is required at the time of account opening using the promo code from on the offer page.
  • Complete at least two qualifying direct deposits. Deposits need to total $1,000 or more and be made within 90 days of account opening.
  • Complete two qualifying Direct Deposits totaling $500 or more within 90 days of account opening
• When it expires: 10/29/25

Waive The Monthly Fee

• Truist Dimension Checking – $20 monthly fee waived if:
  • Monthly direct deposits over $3,000 or $10,000 average ledger balance; OR
  • Have a personal Truist credit card, mortgage, or consumer loan; OR
  • Have a linked Small Business checking account
• Truist Bright Checking – $12 monthly fee waived if:
  • Monthly direct deposits over $500; OR
  • $1,500 average ledger balance
• Truist Fundamental Checking – $5 monthly fee, no way to waive the fee

READ MORE: PEOPLE ARE LOVING THIS BANK PROMOTION FROM TD BANK

Fine Print

Offer Information: Earn $400 for opening a new Truist One Checking account through the expiration date and completing at least 2 qualifying Direct Deposits* totaling $1,000 or more within 90 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code. Please refer to the Account Opening and Enrollment section below for 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.

Offer Eligibility: Offer is only available to individuals who received a direct communication from Truist. Clients with an existing personal checking account with Truist or who have closed an account with Truist on or after 1/23/22 are not eligible to participate. 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 in a Truist branch in one of the following states or online and have a mailing address in: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited into the new checking account within 4 weeks of verifying the Direct Deposit qualification requirement. 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: The new checking account must remain open and in good standing with a balance ≥$0.01 until the reward is processed in order to receive the reward. 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 processed, or (3) the new checking account has a negative available balance at the time of qualification validation. 

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 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 3/31/24 at which point, no further disbursements will be made.

ACCOUNT OPENING & ENROLLMENT INSTRUCTIONS:

·  To open and enroll your new account in the promotion, visit the offer landing page, choose “Open your account now” and start an online application. Enter TRUIST400DC24 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.

READ MORE: WELCOME OFFERS FROM CHASE AND BMO.

Bottom Line

The fine print says the offer is only available to those who received direct communication from Truist. However, you can apply online and use the new promo code so it seems it is more widely available. Some report getting the offer just fine but YMMV.

More from Truist Bank:

• Best Truist Bank Bonuses, Promotions of June 2025
• Truist Bank $400 Business Checking Bonus – Ends 10/29/25

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.