Are you looking to switch banks or open a new checking account? Truist, formerly known as BB&T and SunTrust, is offering a fantastic promotion for new customers who open a Truist One Checking account online. This limited-time offer can net you a cool $400 bonus simply by setting up direct deposits. If you’re interested in boosting your bank balance, understanding the details of this offer is key. Let’s break down the terms and conditions to see if this promotion is right for you.
Truist $400 Checking Bonus: Key Offer Details
To snag the $400 bonus, you need to open a new Truist One Checking account online between October 31, 2024, and April 30, 2025. The core requirement is to establish qualifying direct deposits. Specifically, you must receive at least two qualifying direct deposits totaling $1,000 or more within 120 days of opening your account. Remember to use the promo code DC2425TR1400 during the online account opening process to enroll in this promotion.
What counts as a “Qualifying Direct Deposit”? This refers to electronic credits like your paycheck, pension payments, Social Security benefits, or other regular monthly income directly deposited by your employer or an external agency. Crucially, transfers between accounts, branch or ATM deposits, online or mobile transfers, debit card loads, or mailed deposits do not qualify.
Are You Eligible for the BB&T Online Banking Bonus?
Eligibility for this bb&t online banking promotion has specific criteria. This offer is exclusively for new Truist checking clients. If you are currently a primary account holder of a Truist personal checking account, or if you’ve closed a Truist personal checking account since October 31, 2023, you are not eligible. This offer is limited to Truist One Checking accounts only, and the primary account holder must be at least 18 years old. Truist employees, Directors, Officers, and Local Boards/Advisors are also excluded. Finally, this offer is for US residents with a valid US taxpayer identification number, and the account must be opened online with a mailing address 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.
Person using online banking on a laptop
Getting Your $400 Reward
Once you’ve met the direct deposit requirements, Truist will verify your eligibility. The $400 reward will then be deposited into your new checking account within 4 weeks of verification. To receive the bonus, your account must remain open, in good standing, and have a balance of at least $0.01 at the time of verification and when the reward is deposited. Keep in mind that this promotion is limited to one reward per checking account and per client. As required by law, Truist may report the bonus value to the IRS, and any applicable taxes are your responsibility.
What Could Cause You to Miss Out on the Bonus?
Reward forfeiture can occur in a few scenarios. If you change your Truist One Checking account to a different account type, close your account before the reward is deposited, or if your account balance is $0.00 or negative when Truist verifies eligibility, you will forfeit the bonus.
Other Important Terms to Note
The minimum deposit to open a Truist One Checking account is $50. This offer cannot be transferred or combined with other checking account offers and is subject to change or discontinuation at any time. Truist also reserves the right to withhold the bonus from individuals who claim offers through unauthorized third-party websites. All bonus payouts will be finalized by January 31, 2026, after which no further payouts will be made.
How to Open Your Account and Enroll in the Promotion
To take advantage of this bb&t online banking offer, visit the Truist offer website and click “Open an account online.” It’s crucial to enter the promo code DC2425TR1400 in the designated field during the online application process. Carefully review the full terms and conditions, then select “Accept Offer.” Accounts opened without applying the promo code will not be eligible for the bonus. After enrolling, you may receive promotional updates via email or by calling 800.709.8700.
This Truist One Checking promotion offers a significant incentive to new customers. By understanding and meeting the terms and conditions, you can easily earn a $400 bonus while experiencing the convenience of bb&t online banking through Truist.
