Truist Checking Account Bonus: May 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: Business Checking Account - $400 Bonus
Open a new Simple Business Checking or Dynamic Business Checking account. Use promo code SB26Q2CHECKING at account opening. Make qualifying deposits of $2,000 or more within 30 days of account opening.
Truist Bank: Personal Checking Account - $400 Bonus
Open a new Truist One Checking account online. Use promo code DC400TR1Q226 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.
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 SB26Q2CHECKING at account opening. Make qualifying deposits of $2,000 or more within 30 days of account opening.
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 - Up to $5,000
Discover all that Premier can do for you
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Send money internationally, securely, quickly and fee-free in the HSBC mobile app with our award-winning HSBC Global Money Transfers
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works
- Open a Premier checking account by June 30, 2026
- Add your desired level of deposits and/or eligible investments within 20 days
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
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.
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.
CIT Bank Platinum Savings - 4.10% APY Boost
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.10%* |
| Balance less than $5,000 | 0.60%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
HSBC Premier - Up to $5,000
Discover all that Premier can do for you
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Send money internationally, securely, quickly and fee-free in the HSBC mobile app with our award-winning HSBC Global Money Transfers
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works
- Open a Premier checking account by June 30, 2026
- Add your desired level of deposits and/or eligible investments within 20 days
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 2.68% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
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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