We love checking account bonuses. Typically all it takes is a little Direct Deposit swap and some light other activity to score a solid payday. This offer from Truist is good, although the 20-debit card purchases requirement is a bit annoying. My experiences with Truist have been entirely fine, as have my experiences with their sign up bonuses.
The Offer (link to offer here)
- Open Truist One Checking between March 26, 2026 & July 9, 2026 (note – there is a fee, but it is waived with $500 in direct deposits monthly)
- Receive at least 2 direct deposits totaling at least $2,000 within 120 days of account opening
- Complete 20 qualifying debit card transactions within 120 days of account opening (any “purchase” is a qualifying transaction)
- Keep account open with a positive balance for 4 weeks from completing qualifying transactions
- Note on exclusions/limitations:
- Only individuals with physical addresses in Truist footprint are eligible (AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC)
- Individuals are ineligible for this offer if they have had an open Truist personal checking account with Truist on or after 3/26/25 (including if that account was closed after that date)
My Take
Sadly I’m ineligible as I have an open account currently. Even if I were to close that account, I would still be ineligible due to their “on or after 3/26/25” exclusion. That said, this would otherwise be worth taking advantage of. A few reasons:
- Solid sign up bonus ($400)
- Easy to waive account fees (mortgage with Truist, credit card with Truist, or $500/mo direct deposits)
- No termination fee for closing account after bonus posts
- Debit card purchase requirement is annoying, but also easy to quickly check off (who doesn’t want to buy 20 x 1 banana at the self-checkout of the grocery store?)
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