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At a Glance
Requirements
Direct deposit: $2,000 in qualifying direct deposits
Deposit window: 120 days
Truist generates a code per applicant inside the truist.com offer flow, and it cannot be added after the account is opened. The old static DC400TR1Q226 code is dead.
Make 20 debit card transactions
Eligibility
Availability: 18 states: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
No stated lifetime limit
ChexSystems sensitivity: Low
Credit pull: soft pull only
Fees
Monthly fee: $12/mo — 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.
Bank bonuses are taxable interest — expect a 1099-INT. See our bank bonus tax guide.
What Counts as Direct Deposit
218 reports across 2 sources. Last report Jun 26, 2026. Doctor of Credit comments 216, Reddit 2.
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
YESEmployer payroll or government benefit deposit10 reports · 9 worked · 1 failed · last report Mar 24, 2026The only near-universal trigger — real payroll or SSA/pension/tax-refund, PPD-coded. 9 member reports of it working, 1 of it failing, last confirmed Mar 2026.
YESVenmo ACH push7 reports · 6 worked · 1 failed · last report Mar 27, 2026General note: P2P at most; works at Citi, Capital One, PNC, Citizens, KeyBank. 6 member reports of it working, 1 of it failing, last confirmed Mar 2026.
YESBank of America ACH push4 reports · 4 worked · last report Jun 18, 20264 member reports of it working, none of it failing, last confirmed Jun 2026. 5W but fresh fail 2026-07-10.
MAYBEChase (personal) ACH push83 reports · 64 worked · 19 failed · last report Jun 18, 2026Personal-checking ACH pushes only. 64 member reports of it working, 19 of it failing, last confirmed Jun 2026. Members report it posting as "MKTG PROMOTIONS MISC CREDIT".
MAYBEFidelity Cash Management ACH push50 reports · 38 worked · 12 failed · last report Jun 9, 2026The #1 workaround pusher; codes payroll-like at most banks. 38 member reports of it working, 12 of it failing, last confirmed Jun 2025. Members report it posting as "PERSON-TO-PERSON PAYMENT". works when DD-coded but fails when coded P2P (2026-02 x2 in writing; 6/30 fails); risky.
MAYBECharles Schwab ACH push46 reports · 39 worked · 7 failed · last report Jun 12, 2026How it posts: "ACH Credit"General note: Historically strong; deteriorating at Chase/Huntington in early 2026. 39 member reports of it working, 7 of it failing, last confirmed Jun 2026. Members report it posting as "ACH Credit".
MAYBECash App ACH push6 reports · 4 worked · 2 failed · last report May 19, 2026General note: P2P at most; works at Capital One. 4 member reports of it working, 2 of it failing, last confirmed May 2026.
MAYBEPayPal ACH push6 reports · 4 worked · 2 failed · last report Mar 30, 2026General note: P2P at most banks; works at Citi & Capital One (standard ACH, not instant). 4 member reports of it working, 2 of it failing, last confirmed Mar 2026. Members report it posting as "MKTG PROMOTIONS MISC CREDIT…". 4 works incl clean PayPal-only bonus 2026-01-16; standard-ACH rail only, instant fails.
YESRobinhood ACH push2 reports · 2 worked · last report May 17, 2026General note: Mixed/declining; works at Citi & Capital One. 2 member reports of it working, none of it failing, last confirmed May 2026.
YESTreasuryDirect ACH push1 report · 0 worked · 1 failed · last report Mar 28, 2026General note: Gov-coded; helps at strict banks (Chase, BofA), fails at Ally/Amex. 0 member reports of it working, 1 of it failing, last confirmed Mar 2026.
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Source: our guide to what counts as direct deposit, verified per-bank against official terms and community data points (originally compiled with help from Doctor of Credit). Data points change, so always verify with the bank.
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.
Pros
+$500 cash bonus
+No documented hard credit pull
+120-day qualification window
Cons
-Geographic restrictions apply
-$12 monthly fee unless waived
Notes
Receive $2,000+ in direct deposits within 120 days. Allow approximately 30 days for the bonus to post after qualification.
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.
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
Monthly Fee$12/mo
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
Chex SensitivityLow
Hard PullNo
Soft PullYes
Low ChexSystems sensitivity.
Eligibility
Availability18 states: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
Lifetime LimitNo
New Truist checking customers only; not eligible if a Truist checking account was closed on or after 7/14/2025. Expires 2/2/2027.
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.