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Truist Bank / Truist One Checking

Truist One Checking $500 Online Bonus

Public offer

Current offer

Bonus
$500
Direct deposit
$2,000+At least 2 qualifying deposits
Qualify within
120 days
Monthly fee
$12/moWaivable
Opening deposit
$50
Availability
18 eligible locations
Offer ends
View official offer (opens in a new tab)↗See how to qualify ↓

Offer terms, eligibility, fees and availability can change. Review the financial institution’s current terms before opening an account.

How to earn the bonus

  1. Open a new Truist One Checking account using a valid promo code by 02-02-2027.
  2. Receive at least 2 qualifying direct deposits totaling $2,000 or more within 120 days.
  3. Complete at least 20 qualifying debit card purchases within the same 120-day period.

Promo code

Promo code required — provided through the official offer.

Direct deposit and qualifying activity

Receive at least 2 qualifying direct deposits totaling $2,000 or more and complete at least 20 qualifying debit card purchases within 120 days.

All qualifying direct deposits and debit card purchases must post within 120 days of account opening.

Minimum opening deposit

$50

Offer timeline

  1. Open the account

    Open a new Truist One Checking account using a valid promo code by 02-02-2027.

  2. Complete requirements

    All qualifying direct deposits and debit card purchases must post within 120 days of account opening.

  3. Expected bonus payout

    Reward is deposited within 10 business days after all qualification requirements have been met and verified.

  4. Account closure and payout conditions

    At payout, the account must be open, unrestricted, and have a balance of at least $0.01.

Monthly fee and how to waive it

$12/mo

How to waive it

  • Primary account owner is under age 25 or age 62 or older.
  • Receive $500 or more in total qualifying direct deposits per statement cycle.
  • Maintain a total combined ledger balance of $500 or more in Truist related accounts.
  • Have a personal Truist credit card, mortgage, or consumer loan, including LightStream.
  • Have a linked eligible small business checking account.
  • Primary account owner is a student.

Eligibility and previous-customer rules

New-customer rule

Not eligible if you are currently the primary account holder on an existing Truist personal checking account or closed a Truist personal checking account on or after 07-14-2025.

Previous-bonus rule

The promotion is applicable once per checking account and per client.

Other restrictions

Primary account holder must be 18 or older, be a U.S. resident with a valid U.S. taxpayer identification number, and meet the geographic requirements. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible.

Availability

Available only to eligible U.S. residents with a physical address in AL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, or WV.

Eligible locations: AL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV.

Deadline, payout and account closure

Offer ends

Offer valid for qualifying account openings through 02-02-2027.

Expected bonus payout

Reward is deposited within 10 business days after all qualification requirements have been met and verified.

Closure and payout conditions

At payout, the account must be open, unrestricted, and have a balance of at least $0.01.

Official information

Related current offers

Compare checking account bonuses and requirements
Bank (Account)Bonus Amount (Promo Code)Opening DepositRequirementsMonthly FeePayout TimelineAvailabilityOffer ExpirationLink
Bank of America(Bank of America Advantage Plus Banking)Up to $500$100
  1. Open a new eligible Bank of America Advantage Plus Banking account through the promotional page.
  2. Fund the account with the required minimum opening deposit.
  3. Within 90 days, receive qualifying direct deposits totaling at least $2,000 for $100, $5,000 for $300, or $10,000 or more for $500.
$12/moWaived with:

Receive at least one qualifying direct deposit of $250 or more each statement cycle.

Other ways to waive (2)
  • Maintain a minimum daily balance of $1,500 or more.
  • Have an account owner enrolled in BofA Rewards and qualify for the Preferred Plus, Preferred Honors, or Premier tier.
Bank of America states that it will attempt to pay the earned bonus within 60 days after the requirements are satisfied and the deposit period ends.NationwideView Offer
U.S. Bank(Bank Smartly Checking)Up to $450$25
  1. Open a new U.S. Bank Smartly Checking account through the promotional offer by 11-10-2026.
  2. Fund the account with at least $25 within 60 days of account opening.
  3. Enroll in the U.S. Bank Mobile App or online banking within 90 days.
  4. Complete at least two qualifying direct deposits within 90 days totaling $2,000-$4,999.99 for $250, $5,000-$7,999.99 for $350, or $8,000 or more for $450.
$12/moWaived with:

Receive combined monthly direct deposits totaling $1,500 or more.

Other ways to waive (5)
  • Maintain an average account balance of $1,500 or more.
  • Own or open a U.S. Bank Smartly Visa Signature credit card.
  • Own an eligible U.S. Bank small business checking account.
  • Qualify for Smart Rewards Gold, Platinum, or Platinum Plus tier.
  • Qualify for an eligible customer group such as age 13-24, age 65 or older, military, Workplace-Financial Wellness Program, or U.S. Bank Global Transition Solutions.
Bonus is credited within 30 days after all offer requirements are completed.
Check eligibilityState list is not published. Check eligibility with the bank.
View Offer
Chase(Chase Total Checking)$400$0
  1. Open a new Chase Total Checking account through the official promotional offer page.
  2. Receive qualifying direct deposits totaling $1,000 or more within 90 days of offer enrollment.
  3. Keep the enrolled account open and unrestricted through the time the bonus is paid.
$15/moWaived with:

Receive $500 or more in qualifying electronic deposits each monthly statement period.

Other ways to waive (3)
  • Maintain a balance of $1,500 or more at the beginning of each day.
  • Maintain a $5,000 or more average beginning day balance in this account or in combination with qualifying linked personal deposits or investments.
  • Link the account to a qualifying Chase checking account.
Bonus is deposited within 15 days after all qualifying requirements are completed.NationwideView Offer
Bank of America

Bank of America Advantage Plus Banking

Up to $500
Opening Deposit
$100
Requirements
  1. Open a new eligible Bank of America Advantage Plus Banking account through the promotional page.
  2. Fund the account with the required minimum opening deposit.
  3. Within 90 days, receive qualifying direct deposits totaling at least $2,000 for $100, $5,000 for $300, or $10,000 or more for $500.
Monthly Fee
$12/moWaived with:

Receive at least one qualifying direct deposit of $250 or more each statement cycle.

Other ways to waive (2)
  • Maintain a minimum daily balance of $1,500 or more.
  • Have an account owner enrolled in BofA Rewards and qualify for the Preferred Plus, Preferred Honors, or Premier tier.
Payout Timeline
Bank of America states that it will attempt to pay the earned bonus within 60 days after the requirements are satisfied and the deposit period ends.
Availability
Nationwide
Offer Expiration
View Offer
U.S. Bank

Bank Smartly Checking

Up to $450
Opening Deposit
$25
Requirements
  1. Open a new U.S. Bank Smartly Checking account through the promotional offer by 11-10-2026.
  2. Fund the account with at least $25 within 60 days of account opening.
  3. Enroll in the U.S. Bank Mobile App or online banking within 90 days.
  4. Complete at least two qualifying direct deposits within 90 days totaling $2,000-$4,999.99 for $250, $5,000-$7,999.99 for $350, or $8,000 or more for $450.
Monthly Fee
$12/moWaived with:

Receive combined monthly direct deposits totaling $1,500 or more.

Other ways to waive (5)
  • Maintain an average account balance of $1,500 or more.
  • Own or open a U.S. Bank Smartly Visa Signature credit card.
  • Own an eligible U.S. Bank small business checking account.
  • Qualify for Smart Rewards Gold, Platinum, or Platinum Plus tier.
  • Qualify for an eligible customer group such as age 13-24, age 65 or older, military, Workplace-Financial Wellness Program, or U.S. Bank Global Transition Solutions.
Payout Timeline
Bonus is credited within 30 days after all offer requirements are completed.
Availability
Check eligibilityState list is not published. Check eligibility with the bank.
Offer Expiration
View Offer
Chase

Chase Total Checking

$400
Opening Deposit
$0
Requirements
  1. Open a new Chase Total Checking account through the official promotional offer page.
  2. Receive qualifying direct deposits totaling $1,000 or more within 90 days of offer enrollment.
  3. Keep the enrolled account open and unrestricted through the time the bonus is paid.
Monthly Fee
$15/moWaived with:

Receive $500 or more in qualifying electronic deposits each monthly statement period.

Other ways to waive (3)
  • Maintain a balance of $1,500 or more at the beginning of each day.
  • Maintain a $5,000 or more average beginning day balance in this account or in combination with qualifying linked personal deposits or investments.
  • Link the account to a qualifying Chase checking account.
Payout Timeline
Bonus is deposited within 15 days after all qualifying requirements are completed.
Availability
Nationwide
Offer Expiration
View Offer

Understand the requirements