Truist Bank Promotions: $300 New Account Bonus (September 2023)

Truist Logo

If the Truist name is new to you, its lineage features names you’re probably familiar with.

In mid-2019, BB&T and SunTrust formally merged to become Truist Bank. Today, you can see the Truist logo and purple colors adorning the various branches around the nation.

Before the merger, I wasn’t sure how they were going to be doing promotions. BB&T had some but SunTrust was by far the more generous bank. It appears that Truist will be closer to SunTrust level generosity and that’s a good thing.

They’ve become the 6th largest bank in the nation so you know they’ll want to grow even more and that means getting more deposits. No one wakes up and says “eh, 6th is good enough.” 🙂

And as you’d expect, they currently have a strong offering of $300:

💰 BMO Bank – $600

BMO Bank has a generous offer – get up to $600 when you open a new checking account and set up direct deposits that meet their requirements. Depending on the size of your direct deposit, you can make quite a tidy sum for not too much trouble.

Learn more about this offer

Table of Contents
  1. Truist Personal Checking Bonus – $300
  2. Truist Business Checking Bonus – $400
  3. About Truist Bank
  4. Find a Truist Bank Near You
  5. Truist Bank Routing Numbers
  6. How Does This Promotion Compare?

🔃 Updated August 2023 with the latest details of the personal checking bonus (new link) and the business promotion, which has increased to $400 with a new promo code SB23Q3CHECKING.

Truist Personal Checking Bonus – $300

We keep a bigger list of banks offering new account cash bonuses in case this offer doesn’t appeal to you. Sometimes there are banks offering similar amounts (such as Wells Fargo’s $300 offer).

Truist Bank Bonus Summary

  • What you get: $300 cash bonus
  • Who qualifies: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
  • Promotion code: TRUISTCHKQ223
  • Where to open: Online only
  • How to get it:
    • Open a Truist Bright, Truist Fundamental or Truist Dimension checking account,
    • receive two qualifying direct deposits totalling $1,000 or more within 90 days of account opening,
    • get a $300 bonus!
  • When does it expire: 10/31/2023

You can get $300 when you open a Truist Bright, Truist Fundamental or Truist Dimension checking account and receive two qualifying direct deposits totalling $1,000 or more within 90 days of account opening.

Open to residents of AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC. You cannot have an existing personal checking account with Truist Bank or have closed one on or after 7/26/22

The Truist Dimension Checking has a $50 monthly fee but you avoid it by satisfying one of these conditions:

  • Make $3,000 or more in total qualifying monthly Direct Deposits OR
  • keeping a $10,000 total combined relationship balances linked across deposits and investments OR
  • Linked personal Truist Credit Card, Mortgage, or Loan OR
  • Linked Small Business Checking account

You can open this online or in a branch but you still need to meet residency requirements if you open it online. You must use the promotion code TRUISTCHKQ223 (it’s listed on the promotional page) to get the bonus.

Also, review our guide on bank account bonuses so you know what to look for with bonuses like this.

👉 Learn more about this offer

(Expires 10/31/2023)

Previous Truist Bank Promotion Codes

If you need to know what the previous codes are, here they are:

  • For 2/1/2022 through 4/30/2022 – the promotion code was TR1CHK22B ($500 bonus)
  • For the period ending 7/14/2022 – the promotion code was CHECKINGQ222 ($300 bonus)
  • For the period ending 12/30/2022 – the promotion code was TRUIST1CHKQ422 ($200 bonus)
  • For the period ending 4/14/2023 – the promotion code was CHKQ123TRUIST1 ($400 bonus)
  • For the period ending 7/25/2023 – the promotion code was TRUISTCHKQ223 ($400 bonus)
  • For the period ending 10/31/2023 – the promotion code was (again) TRUISTCHKQ223 ($300 bonus)

Truist Business Checking Bonus – $400

Truist Bank has a $400 checking bonus when you open a new SunTrust Business Checking Account.

Open a Simple Business Checking or Dynamic Business Checking account online or inside a branch with the promo code SB23Q3CHECKING then – make qualifying deposits of $1,500+ into your new account within 30 days of account opening.

Check the terms of each account type for the features that meet your business needs. For example, the Truist Simple Business Checking has no monthly maintenance fee and includes 50 transactions and $2,000 cash processing included.

The business must have a physical address in AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

👉 Learn more about this offer

(Offer expires 9/29/2023)

About Truist Bank

Truist Bank is insured by the FDIC under FDIC Certificate #9846, which was formerly the certificate of BB&T. They are a Non-member Bank of the Federal Reserve System and headquartered in Charlotte, NC.

Find a Truist Bank Near You

It’s really easy to find a Truist Bank location, just use their bank locator. You will notice that after the merger, you get access to the previously SunTrust and BB&T locations throughout the country:

Truist Bank Routing Numbers

This can get a little tricky to look up because Truist Bank is a merger of two banks, BB&T and SunTrust. The ABA routing number you use will depend on where you opened your account. The simplest way is to look on your personal checks (see: how to find your routing number) but if you don’t have one, you’ll have to do a little sleuthing.

If you previously had a SunTrust account, the ABA routing number is 061000104.

If you previously had a BB&T account, your ABA routing number will be based on the state you opened your account:

StateRouting Number
District of Columbia054001547
New Jersey031204710
North Carolina053101121
South Carolina053201607
West Virginia051503394

How Does This Promotion Compare?

SunTrust has a comparable offer to what’s currently available. The $300 bonus is solid but the deposit requirement may be high for some people.

⭐ BMO Smart Advantage Checking – $400

BMO Bank is offering a $400 bonus* when you open a BMO Smart Advantage Checking and when you have a total of $4,000 or more in qualifying direct deposits within the first 120 days. It is a very straightforward offer that is available nationwide.

*Conditions apply

👉 Click here to learn more

⭐Citi Priority Account – up to $2000

Citi Priority is offering up to $2000 bonus when you open an account by 1/9/2024. Then, within 20 days of opening your account, deposit at least $10,000 in New-to-Citi® funds and keep it there for 60 days after the 21st day. The bonus amount is based on how much you can transfer but the lowest tier starts at $10,000.

👉 Click here to learn more

Discover Online Savings Account – $150 or $200

Discover Bank is offering a $150 or $200 bonus when you open your first Discover Online Savings Account with the promotion code WH923 and deposit at least $15,000 into the account within 30 days. You get $150 if you deposit $15,000 or more and $200 if you deposit $25,000.

👉 Click here to learn more

Bank of America – $200 Bonus Offer

Bank of America offers a $200 Bonus Offer cash bonus if you open a new account and Set up and receive qualifying direct deposits totaling $2,000 or more into that account within 90 days of account opening. It has a monthly fee that is easy to have waived.

👉 Click here to learn more

Chase Total Checking® – $200

Chase Bank will give you $200 when you open a Total Checking account and set up and receive a direct deposit within 90 days. There is a $12 monthly fee that is waivable with a monthly direct deposit of just $500, so no gotchas on this deal!

👉 Click here to learn more

No matter which offers you choose, you walk away with a few hundred dollars for your trouble!

Other Posts You May Enjoy:

About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

Reader Interactions


About the comments on this site:

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

  1. Ray says

    Heads up there’s regional restrictions for SunTrust

    > The qualifying checking account must have a mailing address in the following states: Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, or the District of Columbia.

    • Jim Wang says

      Yes, there are, like with many banks, you can only open an account if you live where they have a location. Thanks Ray!

As Seen In: