Who qualifies for the Truist $400 bonus?

This bonus is available to new customers only, residents of AL, AR, FL, GA, IN and 13 more states.

How long does it take to earn the Truist bonus?

You can complete the requirements in 120 days. After qualifying, the bonus is typically credited within 28 days. Total time from account opening to bonus: approximately 148 days.

What are the requirements for the Truist bonus?

Set up direct deposit of any amount. Make 20 debit transactions.

Are there any fees for the Truist Truist One Checking?

No, this account has no monthly maintenance fees and no early closure fee.

Is the Truist $400 bonus worth it?

The Truist bonus offers $400 in value. With no fees to worry about, you keep the full bonus amount.

BankOffers.app

CheckingEasy

Truist $400 Bonus

Truist One Checking

Expires: March 25, 202618 states

Last verified: December 25, 2025View official bank terms →

Bonus Amount

$400

Apply Now

Direct Deposit

Required

Time to Qualify

120 days

Payout Time

28 days

💡 Quick Answers

Who qualifies?

New customers only. Available in 18 states.

Fastest way to earn

Complete requirements in 120 days. Bonus arrives within 28 days after qualifying.

Key requirements

• Direct deposit required
• 20 debit transactions

Fees & gotchas

• No monthly fee ✓
• No early closure fee ✓

Is it worth it?

$400 bonus with no fees to worry about. Full bonus value! Requirements are straightforward—good for bonus beginners.

🧮 Calculate your personalized net value →

✅ How to Qualify

1Open a new Truist One Checking account online from October 30, 2025 through March 25, 2026 using promo code DC400TR1Q425
2Receive at least 2 qualifying direct deposits totaling $2,000 or more within 120 days of account opening
3Complete at least 20 qualifying debit card purchases within 120 days of account opening

📅 Timeline

Day 1

Open Account

Open a new Truist One Checking account

Within 120 days

Set Up Direct Deposit

direct deposit

Within 120 days

Debit Transactions

Make 20 debit purchases

28-28 days after qualifying

Receive Bonus

Bonus credited to your account

💵 Fees & How to Avoid Them

Monthly Fee$0 ✓

Early Closure Fee$0 ✓

✓ No monthly fees or early closure fees!

⚠️ Things to Watch Out For

•New customers only - existing customers do not qualify
•Promo code required at account opening

❌ You Won't Qualify If...

•You currently have or previously had an account with this bank
•You have any existing account with this bank
•You don't live in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ...

📍 Available States

ALARFLGAINKYMDMSNCNJOHPASCTNTXVAWVDC

Truist One Checking $400 offer requires a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC (terms on open-account page).

Ready to Earn $400?

Click below to apply directly on Truist's website.

Apply for Truist Bonus

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