Truist Checking Account Bonus: April 2025

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Opening a new Truist checking account may come with a generous signup bonus for a fairly small ask. Find the latest checking bonus here.

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. With its lucrative albeit limited-time checking bonus plus other attractive account features, it's hard not to pay attention.

What matters most when considering banking bonuses?

Truist Checking Account Bonus Offers 2025

Truist has carved out a niche of customers looking to maximize short-term returns on their deposit. Here's what it has right now.

Does Truist Bank have a referral bonus?
As of March 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:

Can I get multiple Truist bonuses?
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 category.

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:

Would you switch banks for a cash bonus or promotional offer?

Frequently Asked Questions

  • Are Truist sign-up bonuses taxed?

    Yes, Truist bonuses are taxable just like your regular paycheck. So while the extra cash is nice, you must include it when you file your yearly taxes.

  • What is a Truist loyalty bonus?

    Truist's Loyalty Cash Bonus is a reward program that enhances the value of rewards earned on eligible Truist credit cards. It provides additional cash back or points based on your banking relationship with Truist. You must have a Truist One Checking account to qualify for a loyalty bonus.

  • How long does it take to get the bonus from Truist?

    The bonus is usually deposited to 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[1]:

    • 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 under age 25.
    • Be a primary account owner 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.

  • 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

Why do banks offer checking bonuses?
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

Truist Bank
Member FDIC

Business Checking Account - $400 Bonus

Expires 9/30/2025
  • Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/1/2025 through 9/30/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening. Must be a new Truist business checking client, Terms Apply.
  • Enrollment in the promotion is required at the time of account opening using promo code SB25Q2BIZAFL to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.
  • *Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.
Terms and Conditions
Bank of America
Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

Expires 5/31/2025
  • The $300 bonus offer 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 05/31/2025.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
  • 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
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 4/16/2025
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • 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*
U.S. Bank
Member FDIC

U.S. Bank Business Essentials - $500 Bonus

Expires 6/30/2025

Promo code Q2AFL25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

Earn your $500 Business Checking bonus by opening a new U.S. Bank Business Essentials or Silver Business Checking account between 4/3/2025 and 6/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

New money is considered money that is new to U.S. Bank. Funds must come 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 (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or 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

Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 9/11/2025

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

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.

Compare:

What matters most when considering banking bonuses?
Would you switch banks for a cash bonus or promotional offer?
73% Yes
27% Depends on the bonus or offer
Source: CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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