Truist
Truist One Checking $400 Bonus
Bonus amount
$400
Expires
Mar 25, 2026
Time to complete
~120 days
Bonus deposited in
~30 days
Difficulty
Medium
Requirements
Last verified: Mar 21, 2026
Open a new Truist One Checking account
Open a new Truist One Checking account online using promo code DC400TR1Q425 by March 25, 2026.
Receive qualifying direct deposits
Receive at least two 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.
Bonus deposited within four weeks after completing qualifying direct deposits and debit card transactions.
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.
Direct Deposit Data Points 1
Community-reported results for what triggers a qualifying direct deposit at Truist.
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.
Rechurnable?
Fine Print
Open a new Truist One Checking account with promo code DC400TR1Q425 by March 25, 2026. Within 120 days, receive two direct deposits totaling $2,000+ and make 20 debit card purchases to earn $400. Bonus paid within four weeks. New personal checking clients only and limited to residents of eligible states.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.