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forum threadMentalflosser posted Sep 12, 2024 07:53 PM
forum threadMentalflosser posted Sep 12, 2024 07:53 PM

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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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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105 Comments

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Oct 08, 2024 04:49 PM
1,606 Posts
Joined Sep 2013
okhelloOct 08, 2024 04:49 PM
1,606 Posts
Quote from WolfTheCat :
What online transaction?

If it is an online purchase using the debit card, yes.

Any other online transaction, no.
I went to that offer website and logged into it and saw that they approved my deposit as a direct deposit with a check mark on it. That is the hardest part to fulfill this offer. Purchasing is a piece of cake to do.
Oct 10, 2024 06:36 PM
4,876 Posts
Joined Jul 2013
JJoyeOct 10, 2024 06:36 PM
4,876 Posts
Quote from WolfTheCat :
According to Doctor of Credit, Truist accepts some, but not all bank transfers as direct deposits. However, this may not be 100% reliable: https://www.doctorofcredit.com/kn...ts/#Truist [doctorofcredit.com]

The only sure-fire way is to have it taken from your paycheck. ADP and most other paycheck companies will allow you to add a second bank and transfer an exact amount. Do that for one paycheck to transfer the $500. Once that is done, fix ADP settings and move the $500 wherever you want it to be.
I used my Fidelity brokerage account to deposit $500 and it worked. I got confirmation the day after my deposit cleared. Didn't need to use my paycheck. I also tried using Robinhood first to make the deposit, but that didn't work for some reason.
Oct 10, 2024 06:40 PM
4,876 Posts
Joined Jul 2013
JJoyeOct 10, 2024 06:40 PM
4,876 Posts
Quote from okkhello :
Online transfer won't work, so ACH transfer will not work. Here is the description of the requirement for direct deposit:

*The definition of a qualifying Direct Deposit is an electronic credit (greater than $0.00) of your salary, pension,
Social Security or other regular monthly income deposited into your new checking account by your employer or
outside agency. Transfers made from one account to another, or deposits made via a branch, ATM, online transfer,
mobile device, debit/prepaid card number or the mail are not eligible direct deposits.
ACH transfer worked for me. I used my Fidelity brokerage account to make the deposit.
Oct 10, 2024 10:27 PM
1,606 Posts
Joined Sep 2013
okhelloOct 10, 2024 10:27 PM
1,606 Posts
Quote from JJoye :
ACH transfer worked for me. I used my Fidelity brokerage account to make the deposit.
I made two deposits to make sure and one from Charles Schwab & one from eBay (selling income). I also completed at least 15 purchases already. Now they let me know on the Truist offer website that $400 will be deposited within 10 days.
1
Oct 11, 2024 06:19 PM
4,218 Posts
Joined Jul 2006
ubiquitousOct 11, 2024 06:19 PM
4,218 Posts
Quote from WolfTheCat :
I asked most of these questions already. Both of my humans signed up to harvest the fees, so I should have $800 worth of tuna in a few weeks!

- Yes. One or more direct deposits totaling $500. My humans haven't made those yet. I am transferring one cent each from their next paycheck, just to make sure I have the routing numbers are right before sending $500.

- The account has a minimum balance of $500 to avoid fees.

- Self-checkout at the grocery store or gas pump. Scan one thing (or pump half a gallon), pay, repeat fifteen times. My humans will do this at Kroger with 2L bottles of soda.

- You can close after receiving and transferring out the balance (subject to funds availability policy). You aren't required the hold past that.

- You can close the account anytime without penalty (but do it too soon and you won't get the bonus). There is a $30 fee for closing a charged off checking account, but if you behave yourself and don't create a negative balance, that won't happen. Be a financially responsible human.

- You should get the bonus within 4 weeks of meeting all the criteria.

Also a neat thing Truist does is they give you a separate login/website to track your progress on getting the bonus. It will tell you if you have made the required transactions, and when. That's kinda nice.
Thanks, this is helpful. Now I just need the debit card to arrive.
Oct 11, 2024 09:24 PM
233 Posts
Joined Oct 2017
BroSanOct 11, 2024 09:24 PM
233 Posts
I did an online ACH transfer from BofA and says it's Online Transfer ACH....
Next updated ADP to transfer portion - it shows up as PAYROLL xxxxxx ACH CREDIT
Anywhere it shows Direct Deposit ? that should be good ?
Any easy way to make 15 debit card trans ?
Pro
Oct 12, 2024 12:53 AM
2,362 Posts
Joined Jan 2024
WolfTheCat
Pro
Oct 12, 2024 12:53 AM
2,362 Posts
Quote from BroSan :
I did an online ACH transfer from BofA and says it's Online Transfer ACH....
Next updated ADP to transfer portion - it shows up as PAYROLL xxxxxx ACH CREDIT
Anywhere it shows Direct Deposit ? that should be good ?
Any easy way to make 15 debit card trans ?
Check your email. Truist has a bonus tracker website, and you should have gotten details about it in email. Register, and you can see if your deposit counted towards the bonus or not.

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Oct 12, 2024 02:42 PM
1,606 Posts
Joined Sep 2013
okhelloOct 12, 2024 02:42 PM
1,606 Posts
I just got a $400 bonus today. I opened an account on 9/22/2024.
Oct 12, 2024 02:45 PM
1,606 Posts
Joined Sep 2013
okhelloOct 12, 2024 02:45 PM
1,606 Posts
Quote from BroSan :
I did an online ACH transfer from BofA and says it's Online Transfer ACH....
Next updated ADP to transfer portion - it shows up as PAYROLL xxxxxx ACH CREDIT
Anywhere it shows Direct Deposit ? that should be good ?
Any easy way to make 15 debit card trans ?
Here is a bonus website tracker:
https://offers.truist.com/login
Oct 12, 2024 04:08 PM
4,876 Posts
Joined Jul 2013
JJoyeOct 12, 2024 04:08 PM
4,876 Posts
Quote from BroSan :
I did an online ACH transfer from BofA and says it's Online Transfer ACH....
Next updated ADP to transfer portion - it shows up as PAYROLL xxxxxx ACH CREDIT
Anywhere it shows Direct Deposit ? that should be good ?
Any easy way to make 15 debit card trans ?
If the deposit you made qualified as a direct deposit, you should find out in a business day or 2 when they send you an email about it. I did an online ACH transfer from Fidelity, and that worked for me. Now I just need to do the debit card transactions.
Oct 12, 2024 07:25 PM
233 Posts
Joined Oct 2017
BroSanOct 12, 2024 07:25 PM
233 Posts
Thanks.. some reason I don't see the emails for registering to the offers site.. I did get new acct details and shows Promo code applied: TRUIST400DC24.
Oct 12, 2024 07:54 PM
4,218 Posts
Joined Jul 2006
ubiquitousOct 12, 2024 07:54 PM
4,218 Posts
https://offers.truist.com/login

To track the bonus go here.
1
Oct 13, 2024 06:12 PM
1,606 Posts
Joined Sep 2013
okhelloOct 13, 2024 06:12 PM
1,606 Posts
I have a question which is not related to Truist and I apologize for that. Chase is offering bonus on their checking account too, but they required direct deposit too. Will an ACH transfer from eBay or brokerage account, Charles Schwab work?
Oct 17, 2024 01:05 PM
865 Posts
Joined Jul 2009
C47V3770Oct 17, 2024 01:05 PM
865 Posts
Amazon gift card balance reloads should count as transactions, right?

Edit:

should be good:

"Qualifying Debit Card purchases include purchase transactions, including PIN Point of Sale (POS), recurring transactions, transactions made via tap or through a digital wallet, and signature-based purchases."

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Oct 17, 2024 01:09 PM
865 Posts
Joined Jul 2009
C47V3770Oct 17, 2024 01:09 PM
865 Posts
Quote from ubiquitous :
https://offers.truist.com/login

To track the bonus go here.
Doesn't work with my debit account login and I don't see a way to create a specific one for this site?

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