Truist Bank is currently offering cash bonuses to new customers who open checking accounts. These promotions are designed to attract new business and reward customers for their loyalty. Here’s a breakdown of the current offers and how to qualify.
Truist One Checking Account: $400 Bonus
Truist is offering a $400 bonus for new Truist One Checking accounts opened online by March 25, 2026. To receive the bonus, you must meet the following requirements:
- Bonus Amount: $400
- Expiration Date: March 25, 2026
- Eligibility: New customers only. Existing Truist account holders do not qualify. Must be a U.S. resident with a valid taxpayer ID. The account must be opened online and linked to a mailing address within an eligible state (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).
- How to Claim: Receive at least two qualifying direct deposits totaling $1,000 or more within 120 days of opening the account.
- Promo Code: AFL400TR1Q425 is required.
Truist Small Business Checking Account: $400 Bonus
Small business owners can earn a $400 bonus by opening a new Truist Small Business Checking account using the promo code SB25Q4CHECKING.
- Bonus Amount: $400
- Expiration Date: April 2, 2026
- Eligibility: New Truist business checking customers only. The business must be physically located in an eligible state (same list as above).
- How to Claim: Make qualifying deposits of $2,000 or more into your new account within 30 days of opening. Qualifying deposits exclude debit card credit transactions.
- Account Types: Offer applies to either the Simple Business Checking or Dynamic Business Checking account.
Avoiding Monthly Maintenance Fees
The Truist One Checking account has a $12 monthly maintenance fee, but it can be waived by meeting any of the following criteria:
- Being 62 years or older
- Being a student under 25
- Maintaining a $500 minimum balance across all Truist accounts
- Receiving $500 or more in monthly direct deposits
- Holding a Truist credit card, mortgage, or loan
- Having a linked small business checking account
How to Open an Account
Opening a Truist Bank account can be done either in person at a local branch or online. To apply online, you will need the following information:
- Social Security number
- Driver’s license or state ID
- Date of birth
- Physical address
- Opening deposit
- Employment and income details
Comparing Truist Offers to Competitors
Truist’s $400 bonus is competitive with other banks such as Huntington Bank and Fifth Third Bank. Truist differentiates itself with its flexible fee waivers and business banking perks.
Key Takeaways
Truist Bank offers valuable incentives for new customers. By meeting the requirements for direct deposits and promo codes, you can earn up to $400 in cash bonuses. Ensure you meet the eligibility criteria and deadlines to maximize your rewards.
Bank promotions change frequently. Always check Truist’s official website for the most up-to-date offers and terms before applying.
