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forum thread Posted by Mentalflosser • Sep 12, 2024
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forum thread Posted by Mentalflosser • Sep 12, 2024

Truist bank offers 400 for opening checking accounts

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Truist Bank is offering a $400 bonus to new Truist One Checking account holders who meet certain eligibility requirements:

Open a new account online between February 28, 2024 and October 30, 2024

Use the promo code TRUIST400DC24 when opening the account

Receive at least one qualifying direct deposit of $500 or more

Make at least 15 qualifying debit card purchases within 90 days of opening the account

Keep the account open, in good standing, and with a positive balance until the bonus is earned

https://www.truist.com/checking/open-checking
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Deal Details
Community Notes
About the Poster
Truist Bank is offering a $400 bonus to new Truist One Checking account holders who meet certain eligibility requirements:

Open a new account online between February 28, 2024 and October 30, 2024

Use the promo code TRUIST400DC24 when opening the account

Receive at least one qualifying direct deposit of $500 or more

Make at least 15 qualifying debit card purchases within 90 days of opening the account

Keep the account open, in good standing, and with a positive balance until the bonus is earned

https://www.truist.com/checking/open-checking

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104 Comments

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Sep 17, 2024
535 Posts
Joined Feb 2004
Sep 17, 2024
DjScibbity
Sep 17, 2024
535 Posts
Quote from Gp_ww :
Closing this account is going to cost $30.
Just transfer all the money out...then close it. Or, leave it open with a $0 balance after transferring all money out. Am I missing something?
Sep 17, 2024
866 Posts
Joined Sep 2015
Sep 17, 2024
Dagaloob
Sep 17, 2024
866 Posts
Quote from ice935 :
This bank lets you do it every 13 months. Done it 3 times in the last 4 years (with my name and my wife's). Feels so goood every time I do it as I used to bank with them and they were so rude and unhelpful.

I have a giant spreadsheet as this point for all my churning lol so I don't overlap
Can you DM me a read-only copy of it? Just remove any PII.
Sep 17, 2024
4,876 Posts
Joined Jul 2013
Sep 17, 2024
JJoye
Sep 17, 2024
4,876 Posts
Quote from Dagaloob :
Can you DM me a read-only copy of it? Just remove any PII.
https://www.doctorofcredit.com/be...t-bonuses/
Sep 18, 2024
102 Posts
Joined Dec 2011
Sep 18, 2024
adityaarya
Sep 18, 2024
102 Posts
I have twin boys who just turned 18. Can I open the accounts in their name and have direct deposit in their accounts from my paycheck?
1
Pro
Sep 18, 2024
2,305 Posts
Joined Jan 2024
Sep 18, 2024
WolfTheCat
Pro
Sep 18, 2024
2,305 Posts
Quote from adityaarya :
I have twin boys who just turned 18. Can I open the accounts in their name and have direct deposit in their accounts from my paycheck?
Yes. They don't care where the direct deposit comes from.
Sep 18, 2024
433 Posts
Joined May 2011
Sep 18, 2024
smohan123
Sep 18, 2024
433 Posts
Quote from SlickDit :
Good for you. Not sure why someone would judge you for not leaving a beeline to clearing out your bank account.

Got code 130 error. I'll pass. Thanks OP.
Me too. Sad. I sure would like that time back on both of my attempts.
1
Sep 18, 2024
851 Posts
Joined Jul 2009
Sep 18, 2024
C47V3770
Sep 18, 2024
851 Posts
Quote from DjScibbity :
Just transfer all the money out...then close it. Or, leave it open with a $0 balance after transferring all money out. Am I missing something?
Looks like that $30 fee is for charged-off accounts. Also, there's a $12 account maintenance fee.
So I assume the best thing to do is close the account after transferring all the funds.

Truist Disclosures and Fees [truist.com]
Last edited by C47V3770 September 18, 2024 at 06:16 AM.

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Sep 18, 2024
693 Posts
Joined Dec 2005
Sep 18, 2024
_DonkeyKong_
Sep 18, 2024
693 Posts
does anyone know any banks that give a sign up offer but does not require a direct deposit from work?
Pro
Sep 18, 2024
2,305 Posts
Joined Jan 2024
Sep 18, 2024
WolfTheCat
Pro
Sep 18, 2024
2,305 Posts
Quote from C47V3770 :
Looks like that $30 fee is for charged-off accounts. Also, there's a $12 account maintenance fee.
So I assume the best thing to do is close the account after transferring all the funds.

Truist Disclosures and Fees [truist.com]
How do they collect $30 from charged-off accounts? I'm guessing if they could collect, they wouldn't be charged-off accounts, they would be paid-up accounts.

Maybe I'm not understanding the word "charged-off" properly.
Sep 18, 2024
4,876 Posts
Joined Jul 2013
Sep 18, 2024
JJoye
Sep 18, 2024
4,876 Posts
Quote from _DonkeyKong_ :
does anyone know any banks that give a sign up offer but does not require a direct deposit from work?
It doesn't have to be a direct deposit from work. Any ACH transfer should work. If you have a brokerage account (Fidelity, Schwab, Robinhood, etc), move the money into that account and then deposit it from there into the checking account and that should work.
Sep 18, 2024
5,166 Posts
Joined Apr 2006
Sep 18, 2024
SlickDit
Sep 18, 2024
5,166 Posts
Quote from WolfTheCat :
Quote from deals_4_fun :
Never knew a card like that exist, I use the debit card only for cash withdrawals.
You are probably young. ATM cards were commonplace before debit cards came around. Now banks push the debit card because they make more money on them, and don't even tell you an ATM card is an option. Sometimes, when I've asked for an ATM card, they argue with me and tell me the debit card is an ATM card (which is true - it's both). Then you have to tell them you do not want Visa or Mastercard on it.
We originally called them "check cards" to make the distinction (check card=visa/mc logo, debit or ATM card = just ATM). I'd say they started becoming popular in our area once fast food restaurants started accepting credit cards-- both no doubt from a large push by the big CC networks. Late 90's/early 2000's?
Last edited by SlickDit September 18, 2024 at 09:22 AM.
Sep 19, 2024
1,422 Posts
Joined Sep 2013
Sep 19, 2024
okhello
Sep 19, 2024
1,422 Posts
How to make a direct deposit $500? I believe an eBay selling money. What are the other ways?
Sep 19, 2024
1,422 Posts
Joined Sep 2013
Sep 19, 2024
okhello
Sep 19, 2024
1,422 Posts
Quote from JJoye :
It doesn't have to be a direct deposit from work. Any ACH transfer should work. If you have a brokerage account (Fidelity, Schwab, Robinhood, etc), move the money into that account and then deposit it from there into the checking account and that should work.
Thanks for the info. An ebay selling money will also work too because when my selling money deposit into my BOA, the transaction was stated as a direct deposit.
Sep 19, 2024
1,422 Posts
Joined Sep 2013
Sep 19, 2024
okhello
Sep 19, 2024
1,422 Posts
The real question, is this deal really reliable after all the requirement is completed? Will the bank pay the bonus?

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Sep 19, 2024
1,422 Posts
Joined Sep 2013
Sep 19, 2024
okhello
Sep 19, 2024
1,422 Posts
Do I need to unlock 3 credit bureaus to apply for this? I know that I have to unlock the checksystems report before applying this.
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