Truist Bank might not be a household name quite yet, but it’s quickly become the eighth-largest bank in the United States. Formed in 2019 after the merger between BB&T and SunTrust, they have more than 2,000 branch locations in 17 states and Washington, D.C.

Truist Checking Account Bonus – Personal

Truist Bank One Checking – $400 cash bonus

Through October 29, 2025, you can earn a $400 bonus when you open a new Truist Bank One Checking account and complete the requirements within 90 days.

How to Get The Bonus

1. Sign up for a new Truist One personal checking account online using the Truist promo code TRUIST25DC400 and makea deposit of at least $50 at account opening.
2. Within 90 days of account opening, set up at least one qualifying direct deposit of at least $500 and complete a minimum of 15 debit card transactions.

Once you’ve completed the requirements, your bonus will be deposited into your account within four weeks.

Who Can Get The Bonus?

To get the bonus, you must sign up for an account online or in a branch, but it’s only available to those living in the following states:

Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Maryland, Mississippi, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Washington, D.C.

If you don’t live in one of these states, we have a comprehensive list of the best bank bonuses that might be a better fit.

Fees and Other Fine Print

The Truist One Checking account has a $12 monthly fee, which can be waived in five different ways.

1. You’re a student under 25 years old.
2. Have at least $500 in total qualifying direct deposits during the month.
3. Have a minimum total combined ledger balance of at least $500 in all your Truist accounts (banking and investment).
4. Have a personal Truist credit card or consumer loan.
5. Link a Truist small business checking account.

Additionally, there are a few other things you should be aware of regarding this Truist checking account bonus.

• This Truist Bank bonus is unavailable if you’re currently employed by Truist Bank.
• You must be at least 18 years old and a U.S. resident with a valid taxpayer ID number.
• To earn the bonus, you can’t be an existing personal checking account customer or have had an account since 10/31/23.
• 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.
• You could forfeit your Truist bonus if you change your account from a Truist One checking account to an account not part of the promotion. You could also forfeit the bonus if you close your account before the bonus is deposited.
• The minimum opening deposit is $50.

Truist Business Checking Account Bonus

Truist Small Business Checking – $400 cash bonus

Through September 30, 2025, you can earn a $400 bonus when you sign up for a new Truist Simple Business checking or Dynamic Business Checking account and complete the required activities.

How to Get The Bonus:

1. Sign up for a Truist simple business checking or dynamic business checking account using promo code SB25Q2CHECKING.
2. Make qualifying deposits of at least $2,000 within the first 30 days.
3. Within the first 30 days, you must also sign up for online banking and log into your account.

To be eligible for this bonus, you must not be a current Truist business checking account customer or have closed an account in the past 180 days.

This account is available to any businesses located in the following states: Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Maryland, Mississippi, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Washington, D.C.

Features of a Truist Simple Business Checking Account

• No monthly maintenance fee
• 50 monthly transactions 
• $2,000 in cash processing each month

Features of a Truist Dynamic Business Checking Account

• $20 monthly maintenance fee (waived with an average relationship balance of $5,000).
• 500 monthly transactions 
• $25,000 in cash processing each month

Locating a Truist Bank Branch Location

Most Truist Bank locations are in the Eastern part of the US. However, there are some locations as far west as Texas. To find a Truist Bank location nearest you, use the bank locator feature on their website.

Truist Bank Routing Number

If you’re looking to set up direct deposits with your new account, you’ll need the Truist Bank routing number, which for many people is 061000104.

How Do These Truist Bank Promotions Compare?

Truist Bank has some great promotions available for personal and business checking accounts. But because they’re not a nationwide bank, they may not be available to you. Here are a few other promotions you can consider instead. You’ll also want to check out the current Truist CD rates.

Are Truist Bank Promotions Worth It?

These Truist Bank bonuses are some of the best bonuses available. With the Truist One checking account, you’ll have the chance to earn a $400 checking account bonus, and you’ll only need to set up $500 in monthly qualifying direct deposits. This is an 80% return on your deposit amount.

To put this into context, let’s compare it to the current U.S. Bank checking account bonus. You could earn a $450 bonus, but you’ll need to set up at least $8,000 in direct deposits each statement cycle. This is a 6% return on deposits.

If you plan to open a Truist Business account, the return isn’t quite as good but still respectable. You can earn a $400 bonus when you deposit $1,500, representing a 27% return on deposits.

Additional Truist Bank Resources

Truist Bank Promotions

Truist CD Rates

Truist Bank Hours

Truist Bank Routing Number