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 is currently offering a $500 checking bonus. The core requirement is $2,000 in qualifying direct deposits within 120 days. The account has a $12 monthly fee; review the waiver terms before applying.
Who This Checking Bonus Is Best For
Applicants who can safely route $2,000 in qualifying direct deposits within 120 days without disrupting higher-value offers, and who meet every geographic and prior-customer restriction.
How to Maximize This Bonus
Receive $2,000+ in direct deposits within 120 days. Allow approximately 30 days for the bonus to post after qualification.
Pros
Cons
How This Compares to Other Bonuses
Truist's $500 offer is closest in headline value to Bank of America's $500 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Truist checking bonus?
Truist currently advertises $500. The principal requirement is $2,000 in qualifying direct deposits within 120 days.
Does the Truist bonus require direct deposit?
Yes. The catalog currently records $2,000 in qualifying direct deposits within 120 days. Confirm the bank's exact definition before applying.
When should the Truist bonus post?
The tracked estimate is about 30 days after you satisfy the requirements.
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
Truist One Checking is $12 a month, and Truist waives it on any ONE of five routes: $500 or more in total qualifying direct deposits per statement cycle; a combined ledger balance of $500 or more across your Truist accounts; a related Truist personal credit card, mortgage or consumer loan; a linked Small Business Checking account; or being a student, under 25, or age 62 and older. The bonus's own two direct deposits totalling $2,000 clear the first route on their own. Truist Marquee Checking, the other eligible account, is $35 a month and waives only at a $250,000 combined balance or on Truist Wealth relationship terms.
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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Sources (2)
We last checked this against the bank's page on August 16, 2026.
Historical Promotions
The current $500 is the highest we've tracked since August 2023.
More Truist offers we track
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What actually counts as a direct deposit at 53 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.