Truist Checking Account Bonus: February 2026
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Opening a new Truist checking account could earn you a generous signup bonus with minimal effort. See the latest checking bonus details here.
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Looking for extra cash? Truist Bank might surprise you.
The top 10 bank in the country is making a significant bid for your banking allegiance.[1] With its lucrative albeit limited-time checking bonus plus other attractive account features, it's hard not to pay attention.
Truist Checking Account Bonus Offers 2026
Truist has carved out a niche of customers looking to maximize short-term returns on their deposit. Here's what it has right now.
Truist Bank: Personal Checking Account - $400 Bonus
Open a new Truist One Checking account online. Use promo code DC400TR1Q425 at account opening. Set up and receive at least two qualifying direct deposits totaling $2,000 or more within 120 days of account opening. Complete at least 20 qualifying debit card purchases within 120 days of account opening.
The information for Truist One Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Truist Bank: Business Checking Account - $400 Bonus
Open a new Simple Business Checking or Dynamic Business Checking account. Use promo code SB25Q4CHECKING at account opening. Make qualifying deposits of $2,000 or more within 30 days of account opening.
The information for Truist One Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
As of November 2025, Truist doesn't give out bonuses for a successful customer referral. Nonetheless, check this page to stay updated with Truist promotions.
Other Truist bonus promotions
The following bonuses might also work for you:
Truist Bank: Business Checking Account - $400 Bonus
Open a new Simple Business Checking or Dynamic Business Checking account. Use promo code SB25Q4CHECKING at account opening. Make qualifying deposits of $2,000 or more within 30 days of account opening.
The information for Truist One Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
It's possible to score two sign-up bonuses or more from Truist. If one bonus is for checking and the other for savings, you could get both concurrently. However, you can't double-dip on promotions from the same account type.
Truist checking bonus alternatives
Still weighing your options? Or perhaps there are no attractive active Truist offers at this time?
Check out these promotions from other banks:
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
HSBC Premier - Earn Up to $7,000
- Send and receive money with Zelle® right from our mobile app
- Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.
- Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
- Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+
If all offer requirements are met, the bonus will be paid by August 31, 2026.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Key Select Checking® - $500 Bonus
- Open a Key Select Checking® account online by May 22, 2026.
- Make the minimum opening deposit of $50 and make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Frequently Asked Questions
- Are Truist sign-up bonuses taxed?
Yes. Truist bonuses are taxable and must be reported on your tax return. While the extra cash is nice, it's considered interest income, so you'll need to include it when filing your taxes.
- What is a Truist loyalty bonus?
Truist Loyalty Cash Bonus is a program that boosts cash rewards on eligible Truist credit cards by 10% to 50% when rewards are redeemed into an eligible Truist deposit account.
- How long does it take to get the bonus from Truist?
The bonus is usually deposited into the Truist checking account within four weeks after the bonus qualification requirements have been met and verified.
- Is Truist checking account any good?
Truist One Checking is a solid option for affordable banking with access to brick-and-mortar branches. Although it's not a free checking account per se, it can be. You can easily waive its monthly service fees by meeting any of the following[2]:
- Make $500 or more in total qualifying direct deposits per statement cycle.
- Maintain a combined ledger balance of $500 or more across all eligible Truist accounts.
- Have a personal Truist credit card, mortgage or consumer loan, including LightStream.
- Link a small business checking account.
- Be a student.
- Be a primary account owner under the age of 25 or age 62 or older.
Meanwhile, Truist Confidence Account is your bare-bones checking option with lower but still waivable monthly fees. While it doesn't come with paper checks, you'll have zero charges on check cashing and overdrafts.
- Make $500 or more in total qualifying direct deposits per statement cycle.
- What are the pros and cons of Truist One Checking?
Here are the pros and cons of Truist One Checking:
Pros:
- Easy to waive monthly fees
- No overdraft penalties
- $100 negative balance buffer
- Automatic benefit level adjustments
- Loyalty bonuses with linked Truist credit cards
Cons:
- Not available in all states
- Expensive bank-related fees
- Live support isn't 24/7
- Easy to waive monthly fees
Banks offer checking bonuses primarily to attract new customers. They compete for your business and know a nice reward might convince you to pick them over another bank.
Bottom Line
Truist's checking bonus, whenever there's one, could make its checking accounts even more appealing to new clients.
References
- ^ Federal Reserve. Large Commercial Banks, Retrieved 04/07/2025
- ^ Truist. Truist One Checking account, Retrieved 11/10/2025
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
U.S. Bank Business Essentials - $400 Bonus
Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC
CIT Bank Platinum Savings - 3.75% APY
- 3.75% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Penelope Besana is a research analyst at CreditDonkey, a bank comparison and reviews website. Write to Penelope Besana at penelope.besana@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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