Truist
Truist One Checking $500 Bonus
Truist pays you $500 when you open a One Checking account and receive two direct deposits totaling $2,000 plus 20 debit card purchases within 120 days. A $50 opening deposit is required. The bonus posts within about two weeks. Soft credit pull. Available in select states including GA, FL, NC, TX, and VA.
- Bonus amount
- $500
- Expires
- Feb 2, 2027
- Time to complete
- ~120 days
- Bonus deposited in
- ~135 days
- Difficulty
- Medium
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Requirements
Last verified: Aug 21, 2026
Open a new Truist One Checking account
Open a new Truist One Checking account online between July 14, 2026 and February 2, 2027, using the link above. It carries the current promo code automatically; Truist's codes are single-use and rotate, so do not reuse a code from anywhere else.
Receive qualifying direct deposits
Receive two or more qualifying direct deposits totaling $2,000 or more within 120 days of account opening.
Make debit card purchases
Complete at least 20 debit card purchases of any amount within 120 days of account opening.
Keep a positive balance through payout
Your new checking account must be open, not restricted, and hold a balance of at least $0.01 when Truist verifies the qualifying activity and pays the reward.
Reward deposited within 10 business days after completing the qualifying direct deposits and debit card purchases.
Account Details
- Make total monthly direct deposits of $500 or more
- Maintain a combined average balance of $500 or more in Truist deposit accounts
- Hold a Truist credit card, mortgage, loan or linked small business checking account
- Primary account holder is under 25 or 62+ or part of the Student banking program
Keep the account open for at least 120 days to avoid bonus clawback.
Eligibility
Offer only for new personal checking clients; cannot have an existing or closed Truist, BB&T or SunTrust personal checking account after October 30, 2025.
Tips & Gotchas
- →Available only in select states where Truist operates.
- →Minimum opening deposit is $50.
- →You must be a new personal checking client and cannot have an existing or recently closed Truist, BB&T, or SunTrust checking account.
- →The same $500 offer is also available on Truist Marquee Checking, but One Checking is the lower-fee choice for most people.
- →Do not drain the account to zero after your direct deposits and debit purchases post. Truist requires a balance of at least $0.01 at the qualification check, and readers have reported being denied the $500 on a $0 balance even with both direct deposits showing.
- →Truist promo codes are single use and cannot be added after the account is opened. Start from the link above so the code on Truist’s own offer page is applied at opening, and if you go into a branch, bring the code with you.
Direct Deposit Data Points 244
244 community reports across 35 transfer sources, showing what triggers a qualifying direct deposit at Truist.
Can You Earn This Bonus Again?
Fine Print
Open a new Truist One Checking account using the link above (it carries the current single-use promo code) between July 14, 2026 and February 2, 2027. Within 120 days, receive two qualifying direct deposits totaling $2,000 or more and make at least 20 debit card purchases to earn $500. The account must be open, not restricted, and have a balance of at least $0.01 when the reward is verified. Reward paid within 10 business days after all requirements post. New personal checking clients only and limited to residents of eligible states.
Taxable income · Reported on 1099-INT
Related Articles
What Counts as a Direct Deposit for Truist Bonuses?
Truist counts employer payroll, government benefits, and ACH pushes from banks like Chase, Fidelity Cash Management, and Schwab as qualifying direct deposits. Based on 400 community data points, Zelle and other P2P apps, plus SoFi, PNC, and Ally pushes, are the methods most likely to fail at Truist.
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
Also see: this month's best bank bonuses and community DD data points.
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