All offers / Bank accounts / Truist
Truist pays $500. The promo code it needs is the one thing no website can give you.
$500 is the top of the market right now, and 120 days to earn it is unusually generous. The complication is the promo code, which Truist requires at account opening, will not let you add later, and says is single use. There is no code for us to print, none for any deals site to print, and none you should accept from a page like this one.
If you arrived from a page advertising a $400 Truist bonus with a code printed beside it, that page is describing something else. One of those, the small business offer under promo code SB26Q2CHECKING, did pay $400 and did close on 7/9/2026. Live today: the $500 personal offer, 7/14/26 through 2/2/27, and a business offer paying up to $800 through 3/24/2027.
What Truist counts as a direct deposit
Counts. In Truist's own words, a qualifying direct deposit is an electronic credit greater than $5.00 deposited into your new checking account via ACH. A paycheck routed through payroll is the ordinary way people meet this.
Does not count, in Truist's own words. Person to person payments such as Zelle. Real Time Payments, the newer instant rail some banks and payroll apps use. Pre-authorized transfers made from one account to another, the formal name for the push you would set up from your old bank. And deposits made via a branch, an ATM, an online transfer, a mobile device, a debit or prepaid card number, or the mail.
Two, not one. The requirement is at least two qualifying direct deposits totaling $2,000 or more. A single $2,000 deposit meets the dollar figure and fails the offer.
Why this list is where most bonuses die. The intuitive move is to push $2,000 over from the bank you already use. That is a pre-authorized transfer from one account to another, excluded by name, and nothing will tell you so until the 120 days are gone.
The debit card leg, and the word "posted"
The second half of the deal is 20 qualifying debit card purchases: any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals and Zelle transactions are not qualifying transactions, and bank fees are not included. Nothing in the terms we read sets a minimum purchase size. The load bearing word is posted: a card purchase sits as a pending authorization for a day or several before it posts, so twenty purchases made on day 118 are not necessarily twenty purchases posted by day 120. Use the card for small ordinary things from the first week and the count takes care of itself.
What pays what
| Two or more ACH direct deposits totaling $2,000+, and 20 debit card purchases, all posted within 120 days | $500 |
|---|---|
| Business: $2,500 in within 30 days, then a daily balance of $2,500+ from day 30 to day 90 | $400 |
| Business: $10,000 in within 30 days, then a daily balance of $10,000+ from day 30 to day 90 | $800, as two $400s |
| One single direct deposit of $2,000 | $0 |
| Zelle, Real Time Payments, or a transfer pushed in from your own account | $0 |
| Deposits made at a branch, at an ATM, online, by mobile device, by card number or by mail | $0 |
| ATM withdrawals and Zelle payments, toward your 20 purchases | Do not count |
| Existing Truist checking customers, or anyone who closed one on or after 7/14/25 | $0 |
| An address outside the 17 states and DC | $0 |
| An account at $0.00, negative, restricted or closed on payout day | $0 |
Do this, in this order
- Check the map first. The offer is open only to US residents with a valid US taxpayer identification number, and the client must have a physical address in AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC. Outside the list there is nothing here to chase.
- Check that you count as new. Primary holders of an existing Truist personal checking account, and anyone who closed one on or after 7/14/25, are not eligible. The primary holder must be 18 or older at opening, Truist employees are excluded, and the promotion applies once per checking account and once per client.
- Take the code from Truist's page and apply it as you open the account. It cannot be added afterwards, so do it in one sitting and check the review screen shows the promotion attached before you submit. Only Truist One Checking and Truist Marquee Checking qualify, and the opening minimums are $50 for Truist One and $100 for Marquee.
- Write down day 1 and day 120. The offer is open 7/14/26 through 2/2/27, so the account must be opened inside that. The day after your account is opened is day 1, and every required transaction must post within the 120 day qualification period.
- Change your payroll at the source. Give your employer the new account and routing numbers instead of asking your old bank to forward money, and start in week one, because payroll teams routinely take a full cycle to switch. When the first deposit lands, check whether the transaction list reads it as an ACH credit from a payer or as a transfer.
- Start the 20 card purchases immediately, not in month four. Twenty transactions is about a week of ordinary life, and doing them early removes the posting risk entirely.
- Deal with the $12 monthly fee. Truist One Checking charges $12 a month, waived by any one of: $500 or more in total qualifying direct deposits per statement cycle, a total combined ledger balance of $500 or more in your Truist related accounts, a related Truist personal credit card, mortgage or consumer loan including LightStream, a linked Small Business Checking account, being a student, or being under 25 or 62 and older. Payroll of $500 a month clears it; $12 a month is $144 a year eating the reward.
- Leave the account funded and open until the money arrives. The reward is deposited within 10 business days after the requirements are met, and is forfeited if at the time of attempted payout the account has a $0.00 or negative current balance, or is restricted or closed. Spending down to exactly zero the week the reward is due is a real way to lose $500 you have already earned.
- The reward, paid once$500
- Truist One Checking maintenance, a year of it, if you never clear a waiver$144
The $12 monthly fee is waivable several ways, and $500 or more of qualifying direct deposit per statement cycle is one of them.
If you are opening this for a business: up to $800, and it is a balance test
Open a new Truist Simple Business Checking or Truist Dynamic Business Checking account from 07/14/26 through 3/24/2027. Deposit at least $2,500 within 30 days of opening and keep a daily current balance of at least $2,500 from day 30 through day 90, and you earn $400. Do the same with $10,000 and you earn $800, paid as two separate $400 payments.
There is no direct deposit test and no card requirement. The hard part is the word daily. Truist defines Current Balance, also called ledger balance, as the actual amount in the account, excluding holds and pending transactions. That is a floor you must clear on every one of those sixty days, not an average. If your current balance falls below $10,000 from day 30 through day 90 you still remain eligible for the $400 reward if all other requirements are met. One supplier payment that dips you under $10,000 on a Tuesday costs $400. Under $2,500 costs the lot.
Eligibility is tighter than on the personal side. You must be a new Truist business checking client: no existing Truist business checking account, and none closed on or after 7/14/2025, under the same taxpayer identification number including an EIN. You are also out if a primary owner, controlling person or beneficial owner is already enrolled. The business address must be in the same 17 states or DC, the minimum opening deposit is $100, a monthly maintenance fee applies to Dynamic Business Checking accounts whose average daily balance is under $5,000, and the same zero balance and restricted account forfeiture rule applies at payout.
The fine print that can still cost you the $500
Truist reserves the right to refuse the reward on offers claimed through third party websites. The clause sits verbatim in both the personal and the business terms: Truist reserves the right, in its sole discretion, to prohibit a reward payout for any offers claimed through third party websites with no affiliation or prior authorization from Truist, and to disqualify any account it suspects was opened to exploit the promotion. Read who that punishes. Not the website. You. We are not an authorized Truist partner, and nothing in Truist's own documents establishes that being one would lift this risk off a reader, so we will not tell you it would. Removing the uncertainty costs ten seconds: type truist.com yourself, find the checking offer from their homepage, and take your code from there.
The reward is taxable and Truist may report it. Truist may report the value of any offer reward received to the IRS as required by law, and any applicable taxes are the responsibility of the recipient.
It cannot be stacked, moved or relied on forever. 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.
Marquee is the expensive door into the same offer. Truist Marquee Checking earns the same $500, but it carries a $35 monthly maintenance fee, waived only at a combined ledger balance of $250,000 or more, and the Annual Percentage Yield is 0.01% for all balances $0.01 and above, accurate as of 7/14/26.
These terms carry version stamps, and they change. The personal disclosure we read was marked Version 2 06032026, the business one Version 5 06052026. Everything here is what those two said on July 25, 2026. Read the disclosure on the page you open the account from, on the day you open it.
Is it worth your time?
Yes, if you live in the footprint and your paycheck can move. $500 is the largest ordinary checking bonus we have examined this month, 120 days is the most forgiving window in the batch, and the two requirements are things a working person does anyway: get paid twice, use a debit card twenty times. Budget half an hour for the account, one payroll form at work, and a calendar note at day 100. What holds this at "worth it if" rather than "worth it" is not the money, it is the plumbing: a single use code that cannot be added later, a deposit definition that rules out every shortcut, a reward that vanishes if the balance touches zero on the wrong day, and a bank that has written down it may refuse to pay someone who arrived through an unaffiliated third party site. I have read that last clause several times and it still says what it says. Know what you are walking into, then walk in through Truist's own front door.
