Truist $500 Checking Account Bonus (2026) - Review & Requirements
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What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
Truist offers $400 for $2k DD + 20 debit purchases within 120 days. Available in 18 states + DC — one of the widest regional footprints.
Who This Checking Bonus Is Best For
People in the 18 covered states who use their debit card regularly. The 120-day window and 20-purchase requirement are manageable.
How to Maximize This Bonus
Open One Checking (or Marquee Checking) through the truist.com offer page — a promo code is generated per applicant now (the old DC400TR1Q226 code is dead). The bonus is $500 as of the 7/14/2026 relaunch, valid through February 2, 2027. Route $2k in DD (2+ deposits) and make 20 debit purchases (about 5/week) within 120 days.
Pros
Cons
How This Compares to Other Bonuses
Similar to Huntington ($400 for $500 DD) but requires debit purchases. Truist covers more states but Huntington is easier.
Frequently Asked Questions
Which states have Truist?
AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC.
Related Bonus Reviews
Full Requirements
Truist One Checking or Truist Marquee Checking. 2 DD totaling $2,000+ AND 20+ debit purchases within 120 days. Promo code is generated per applicant in the truist.com offer flow (the old static DC400TR1Q226 code is dead). Offer window 7/14/2026 through 2/2/2027; bonus raised to $500 from $400 (verified live 2026-07-23).
Fees
Waivable with $500+ DD or $500 min balance.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
New Truist checking customers only; not eligible if a Truist checking account was closed on or after 7/14/2025. Expires 2/2/2027.
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Historical Promotions
The current $500 is the highest we've tracked since August 2023.
More Truist offers we track
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 44 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.