Truist Bank Promotions: $400 Personal & Business Checking Bonuses

Find the latest Truist Bank promotions, bonuses, and offers here.

Right now, you can earn a $400 bonus when you open an eligible account and meet the requirements.

Update 10/31/25: The $400 checking bonus is available through 3/29/26 and the $400 business checking offer has been extended through 4/2/26. Truist is currently offering a generous $400 personal checking bonus and $400 business checking bonus.

Truist Bank Promotions Review

BB&T and SunTrust formed Truist and combined resources to provide a better financial experience to help people and businesses. They offer a wide range of services including retail, small business and commercial banking; asset management and more! Member FDIC.

I’ll go over Truist Bank offers below.

Truist Bank $400 Checking Bonus

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• What you’ll get: $400 bonus
• Availability: AL, AR, D.C., GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV (Bank Locator)
• Direct Deposit Requirement: Yes
• Credit Inquiry: Soft Pull
• Monthly Fees: $0-$12; waivable
• How to earn it: 
  • Open a new Truist One Checking account online from October 30, 2025 through March 25, 2026 using promo code DC400TR1Q425.
  • You must open the account online and enter the promo code to be eligible to participate in the promotion.
  • Receive at least 2 qualifying direct deposits totaling $2,000 or more AND complete at least 20 qualifying debit card purchases within 120 days of account opening. All debit purchases must be posted to your account to qualify.
  • The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. The new checking account must be open, not restricted, and have a balance of at least $0.01. Truist verification will occur one time after the qualification requirements are initially met.

(Expires 03/29/2026)

Fine Print

• Offer Information: Open a new Truist One Checking account online from 10/30/25 through 3/25/26, complete the following activities within 120 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion.
• Receive at least two qualifying direct deposits* totaling $2,000 or more AND
  Complete at least 20 qualifying debit card purchases** within 120 days of account opening. All debit purchases must be posted to your account to qualify.
  Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code DC400TR1Q425. Please refer to the Account Opening and Enrollment section below for full instructions.
• *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 10/30/24 are not eligible to participate. Offer valid for Truist One Checking accounts only. 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 available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and 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 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 $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 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 promotional payouts will be processed no later than 3/31/27 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made. All standard account terms and conditions apply.
• Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter DC400TR1Q425 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. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.

Truist Bank $400 Business Checking Bonus

• What you’ll get: $400 bonus
• Availability: AL, AR, D.C., GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV (Bank Locator)
• Direct deposit requirement: No
• Credit Inquiry: Soft Pull
• Monthly fees: None
• Early Termination Fee: 180 days, bonus forfeit
• How to earn it: 
  • Open a new Simple Business Checking or Dynamic Business Checking account.
  • Must be a new business checking client. Use promo code SB25Q4CHECKING online, by phone, or in a branch between October 1, 2025, and April 2, 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.

(Expires 04/02/2026)

Editor’s Note: Here’s an alternative link to the offer.

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 10/1/2025 through 4/2/2026, using Promo Code SB25Q4CHECKING and indicating the last four digits of the checking account number opened.
• Disclosure1 Terms and Conditions for the Truist Small Business Checking Q4 2025 & Q1 2026 Offer: SB25Q4CHECKING, 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 10/1/2025 through 4/2/2026 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 account opening using promo code SB25Q4CHECKING 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 Truist business checking account within 180 days of the promotion start date (i.e., on or after 4/4/2025), with the same Taxpayer Identification Number (TIN), including, but not limited to, an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The business’s physical address must be located in one of 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 business checking account within 4 weeks after the qualification requirements have been met and verified. In order to receive the reward, the new business checking account must be open, not restricted, and in good standing with a balance of at least $0.01 at the time of Truist verification and 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. Promotion is only applicable once per client and for one new qualifying business account. Truist may report the value of any offer reward received to the IRS as required by law. Any appliable taxes are the responsibility of the recipient.
• Reward Forfeiture: Reward forfeiture will occur if: (1) the new business checking account is changed to an account type not included in this offer prior to payout, (2) the new business 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 business checking account is closed or restricted at the time of payout.
• 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, to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 9/30/2026, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.
• Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB25Q4CHECKING 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 Q4 2025 & Q1 2026 Offer using promo code SB25Q4CHECKING. 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.

How to Avoid Monthly Fees

• Truist Dimension Checking: $20 monthly fee waived with one of the following:
  • Monthly direct deposits over $3,000 or $10,000 average ledger balance
  • Have a personal Truist credit card, mortgage, or consumer loan
  • Have a linked Small Business checking account
• Truist Bright Checking: $12.00 monthly fee waived with one of the following:
  • Monthly direct deposits10 over $500
  • $1,500 average ledger balance
• Truist Fundamental Checking: $5.00 monthly ($3.00 in New Jersey), cannot be waived.
• Truist Student Checking: No monthly fees
• Money Account (Prepaid Debit): $5.00 monthly, can be waived when you have a monthly load of at least $500.
• Truist Online Savings: No monthly fee
• Truist Money Market Account: $12 monthly fee waived by maintaining a minimum daily ledger balance7 of $1,000 or more
• Simple Business Checking: No monthly fee
• Truist Dynamic Business Checking: $20 monthly fee waived with $5,000 average relationship balance
• Community Business Checking: No monthly fee
• 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.
• Business Money Market: $10 monthly fee waived when you maintain a $5,000 minimum daily balance

Author’s Verdict

To summarize, Truist Bank has some of the best promotions, bonuses, and offers.

For more current offers, check out our bank bonuses page. Compare Truist Bank rates for CDs and Savings with our best rates for Savings and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, Bank of America, Citi, Discover Bank, CIT Bank, TD Bank, Huntington Bank, HSBC Bank, Wells Fargo and many more.