Truist $400 Checking Account Bonus (2026) - Review & Requirements
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
Truist offers $400 for $2k DD + 20 debit purchases within 120 days. Available in 18 states + DC — one of the widest regional footprints.
Who This Checking Bonus Is Best For
People in the 18 covered states who use their debit card regularly. The 120-day window and 20-purchase requirement are manageable.
How to Maximize This Bonus
Open One Checking with promo code DC400TR1Q226. Route $2k in DD and make 20 debit purchases (about 5/week) within 120 days.
Pros
Cons
How This Compares to Other Bonuses
Similar to Huntington ($400 for $500 DD) but requires debit purchases. Truist covers more states but Huntington is easier.
Frequently Asked Questions
Which states have Truist?
AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC.
Related Bonus Reviews
Full Requirements
Truist One Checking. 2 DD totaling $2,000+ AND 20+ debit purchases within 120 days. Promo code DC400TR1Q226. Expires July 9, 2026.
Fees
Waivable with $500+ DD or $500 min balance.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
New Truist checking customers only. Expires July 9, 2026.
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.