Truist One Checking $400 Bonus

Truist Bonus — Truist is currently offering $400 to new customers as part of their “Truist One Checking $400 Bonus” promotion. This bonus is available for a limited time and expires on July 09, 2026. Earn a $400 cash bonus when you open a new Truist One Checking account online with promo code AFL400TR1Q226. You must receive at least two qualifying direct deposits totaling $2,000 or more AND complete at least 20 qualifying debit card purchases within 120 days of account opening. The bonus is deposited within 4 weeks after all requirements are met. Below, we break down exactly how to qualify, what you need to know before signing up, and whether this bonus is worth your time.

How Do I Earn the Truist “Truist One Checking $400 Bonus” Bonus?

Qualifying for the Truist bonus is straightforward, but you need to follow every step carefully. Here is the complete process from start to finish:

1. Step 1: Open account online with promo code AFL400TR1Q226
2. Step 2: 2 direct deposits totaling $2
3. Step 3: 20 debit card purchases within 120 days

Make sure to complete all requirements within the specified timeframe. Missing even one step could disqualify you from receiving the bonus. Most bonuses are deposited within 10 to 15 business days after all conditions are met, though some institutions may take longer.

We recommend screenshotting or saving a copy of the offer terms before you start. Promotions can change or be pulled at any time, and having proof of the original terms protects you if there’s a dispute about your eligibility.

What Are the Requirements for the Truist Bonus?

Here is a summary of everything you need to know about this offer at a glance:

Always read the full terms and conditions on the official offer page before signing up. Requirements can change without notice, and some bonuses have additional conditions — such as maintaining a minimum balance for a set period or avoiding early account closure fees — that are not always highlighted in the promotional materials.

If the bonus requires a direct deposit, keep in mind that what counts as a “direct deposit” varies by institution. Some banks accept ACH transfers from other banks, while others require an employer payroll deposit. Confirm this detail before you start so there are no surprises.

Is the Truist Bonus Worth It?

With a $400 bonus on a $50 deposit, that’s a 800% return — significantly better than most savings accounts or CDs.

Keep in mind that new personal checking customers only. must not currently hold or have closed a truist personal checking account on or after 3/26/25. must have mailing address in al, ar, dc, fl, ga, in, ky, md, ms, nc, nj, oh, pa, sc, tn, tx, va, or wv., so make sure you qualify before going through the application process.

Also consider any monthly maintenance fees on the account. Some banks waive these fees if you maintain a minimum balance or have direct deposit set up, but if you plan to close the account after earning the bonus, factor in any fees you might incur during the holding period.

This offer from Truist is valid until July 09, 2026. As with any financial promotion, terms and conditions apply — we recommend visiting the official offer page for the most current details before you sign up. Bonus offers in this space change frequently, and acting sooner rather than later helps ensure you lock in the current terms.

If this bonus isn’t the right fit for your situation, don’t worry — there are plenty of other options available right now. Browse our full list of active bonuses to compare offers and find the best match for your goals. We update our listings daily for April 2026 so you always have access to the latest verified promotions.