
To earn the Truist Bank bonus, you'll need to meet specific requirements, which can be found in the Truist Bank bonus program details.
The bonus is only available to eligible customers who have a qualifying relationship with the bank.
To qualify, you'll need to have a minimum balance in your account, which is $2,500 for the basic tier, $15,000 for the premium tier, and $50,000 for the elite tier.
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Earning a Bonus
To qualify for a Truist Bank bonus, you typically need to meet specific performance targets, such as achieving certain sales goals or meeting customer satisfaction targets.
Truist Bank bonuses can range from a few hundred dollars to tens of thousands of dollars, depending on the position and performance.
You'll need to review your employee handbook or speak with your supervisor to understand the specific requirements for earning a bonus at your location.
Bonuses are usually paid out annually, often in December or January, after the performance period has ended.
You can earn a higher bonus by taking on additional responsibilities, such as mentoring a new team member or leading a project.
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Bank Account Options

If you're considering opening a checking account with Truist Bank to earn the $400 bonus, you'll need to live in one of the eligible states: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, or DC.
The account type required is a checking account, and you'll need to make a direct deposit to qualify for the bonus.
You can expect a soft pull credit inquiry when applying for the account, but don't worry, it won't affect your credit score.
One thing to note is that ChexSystem is in effect, which means that if you've had any issues with overdrafts or other banking mishaps in the past, you might not be eligible for the account.
You can fund your account with cash or other forms of payment, but you won't be able to use a credit card to do so.
The good news is that the monthly fees are avoidable, ranging from $0 to $12, depending on your account activity.
Here's a summary of the account features:
Fees and Requirements
The Truist One Checking account has a $12 monthly maintenance fee, but you can waive it by choosing one of the available options. You only need to do one!
If you have a Truist Simple Business Checking account, you're in luck - there's no monthly maintenance fee. However, the Truist Dynamic Business Checking account has a $20 monthly fee, but it's waived if you have an average relationship balance of $5,000.
Here are the ways to waive monthly fees for various Truist accounts:
The Truist Money Account (Prepaid Debit) has a $5 monthly fee, but it's waived if you have a monthly load of at least $500.
Reward Processing
Reward Processing is a crucial aspect of the new business checking account offer. The reward will be credited to your account up to four weeks after the qualification requirements have been met and verified.
To receive the reward, your new business checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification. This means you'll need to keep your account active and maintain a small balance to qualify.
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Only one newly opened business checking account per client is eligible to participate in this offer. This means if you open multiple accounts, only one will be eligible for the reward.
Truist may report the value of any reward received through any offer to the Internal Revenue Service, as required by law. This is a standard practice, but it's essential to be aware of it.
Any applicable taxes are the responsibility of the recipient. This means you'll need to consider the tax implications of receiving the reward.
Monthly Fees
Monthly fees can be a real hassle, but some accounts at Truist offer ways to waive them. Truist One Checking account allows you to choose one way to waive the $12 monthly maintenance fee, and you only need to do one thing.
Here are some accounts that have monthly fees and how to waive them:
- Truist Bright Checking has a $12 monthly fee, but it's waived with either monthly direct deposits over $500 or a $1,500 average ledger balance.
- The $20 monthly fee for Truist Dimension Checking can be waived with one of several options, but unfortunately, we don't have enough information to list them all.
- Truist Money Account (Prepaid Debit) has a $5 monthly fee, but it can be waived when you load at least $500 per month.
- The $12 monthly fee for Truist Money Market Account can be waived by maintaining a minimum daily ledger balance of $1,000 or more.
- Truist Simple Business Savings has a $5 monthly fee, but it can be waived with one of several options, including maintaining a minimum daily balance of $5,000 or more.
- Business Money Market account has a $10 monthly fee, but it can be waived when you maintain a $5,000 minimum daily balance.
It's worth noting that some accounts, like Truist Student Checking and Truist Community Business Checking, have no monthly fees at all.
Fine Print
To earn the reward, you must open a new Truist One Checking account online and receive at least 2 qualifying Direct Deposits totaling $1,000 or more within 120 days of account opening.
Account must be opened online and enrollment in the promotion is required at the time of account opening using promo code AFL2425TR1400.
Qualifying Direct Deposits are electronic credits of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency.
Transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.
Reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified.
The new checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited to receive the reward.
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Truist verification will occur one time after the qualification requirements are initially met.
Minimum opening deposit is $50.
The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time.
Reward forfeiture will occur if the checking account is changed to an account type not included in this client offer, or if the checking account is closed prior to the reward being deposited.
Reward forfeiture will also occur if the new checking account has a $0.00 or negative available balance at the time of qualification validation.
All promotional payouts will be processed no later than 1/31/26 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.
The promotion is only applicable once per checking account and per client.
Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible to participate in the promotion.
The offer is only available to US residents with a valid US taxpayer identification number.
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Promotion Details
The Truist Bank bonus promotion is a great opportunity for small business owners to earn some extra cash. The promotion is valid until March 31, 2025.
To qualify for the bonus, you'll need to open a new Small Business Checking account. This can be done online, by phone, or in a branch from October 1, 2024, through March 31, 2025, using the promo code SB24Q4BIZAFL.
You'll need to make qualifying deposits of $2,000 or more into your new account within 30 days of opening. Deposits can be made on a one-time basis or cumulatively over the 30 days, but debit card credit transactions and NSF fee refunds don't count.
The reward will be credited to your new business checking account up to four weeks after the qualification requirements have been verified.
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Eligibility and Compliance
To be eligible for the Truist bank bonus, you must meet certain requirements. You must be a new Truist business checking client, with no existing account or a closed account within 180 days of the promotion start date, same Taxpayer Identification Number (TIN), including Employer Identification Number (EIN).
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The business account holder must be at least 18 years old and have a valid U.S. TIN. Your physical address must be located in one of the eligible states, including AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, or DC.
To ensure compliance, note the following conditions that may lead to reward forfeiture: changing your account type, closing your account before the reward is processed, or having a $0.00 or negative available balance at the time of qualification validation.
Eligibility Requirements
To be eligible for the promotion, you must meet certain requirements. One of the key requirements is that you must be a new Truist business checking client.
A new business checking client is defined as a business that does not have an existing Truist business checking account or has not closed a Truist business checking account within 180 days of the promotion start date, which is on or after April 4, 2024.

The business account holder must also be at least 18 years old at the time of account opening.
Additionally, the account holder cannot be a non-resident alien and must have a valid U.S. Taxpayer Identification Number (TIN).
The business's physical address must be located in one of the following states: Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Maryland, Mississippi, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, or Washington D.C.
Here is a list of the required states:
- Alabama (AL)
- Arkansas (AR)
- Florida (FL)
- Georgia (GA)
- Indiana (IN)
- Kentucky (KY)
- Maryland (MD)
- Mississippi (MS)
- North Carolina (NC)
- New Jersey (NJ)
- Ohio (OH)
- Pennsylvania (PA)
- South Carolina (SC)
- Tennessee (TN)
- Texas (TX)
- Virginia (VA)
- West Virginia (WV)
- Washington D.C. (DC)
Consequences of Non-Compliance
You'll want to be aware of the potential consequences of not meeting the requirements. If your business checking account is changed to an account type not included in this client offer, you'll forfeit your reward.
Here are some specific scenarios where reward forfeiture will occur:
- The business checking account is changed to an account type not included in this client offer.
- The business checking account is closed prior to the reward being processed.
- The new business checking account has a $0.00 or negative available balance at the time of qualification validation.
These scenarios are all clearly outlined in the terms, so be sure to review them carefully to avoid any issues.
Our Verdict
Truist Bank is the new name for the merged BB&T and SunTrust bank.
The bank has a $400 personal checking bonus and a $400 business checking bonus, both of which are phenomenal offers.
Customer service at Truist Bank has been stellar, according to my personal experience.
If you've held a BB&T/SunTrust or Truist account since 2/1/21, you won't be eligible for this bonus.
The bank has a history of offering generous bonuses, but the $500 bonus they launched with is no longer available.
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Frequently Asked Questions
How to get $400 from Truist?
To earn a $400 bonus from Truist, open a new One Checking account and receive direct deposits totaling $1,000 within 120 days. This offer provides a solid return on deposit of 40%.
What is the promo code for Truist Bank?
To open a new One Checking account at Truist Bank, use promo code AFL2425TR1400. This code unlocks a bonus offer when you meet specific direct deposit requirements.
Sources
- https://www.hustlermoneyblog.com/truist-bank-promotions/
- https://fitsmallbusiness.com/best-business-bank-account-promotions/
- https://www.hustlermoneyblog.com/truist-bank-checking-bonus/
- https://www.doctorofcredit.com/truist-300-checking-bonus-al-ar-ga-fl-in-ky-md-ms-nc-nj-oh-pa-sc-tn-tx-va-wv-or-dc/
- https://www.bankdealguy.com/truist-bank-promotions/
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