Truist One Checking
- Bonus
- $500
- To qualify
- 2 direct deposits ($2,000 total) within 120 days + 20 debit purchases within 120 days
- What counts as a direct deposit
- Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
- Who can open it
- Residents of 18 states: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC, online
- Monthly fee
- $12 a month, waived with $500 or more in direct deposits a month
- When the bonus is paid
- Within about 14 days after you finish the requirements
- Keep it open
- At least until the bonus posts. Truist's offer doesn't list a penalty for closing early, but some banks take the bonus back within 6 months, so 6 months is the safe choice.
- Past customers
- Not eligible if you got a Truist checking bonus in the last 12 months
- Open by
- February 2, 2027
Good to know: Truist's offer page shows a single-use promo code. Start your application from that page and make sure the code is applied when you open, because it can't be added later. Direct deposits must be ACH credits over $5.
Checked against Truist's own terms on October 19, 2026.