How to close a Truist account

You can close a Truist checking or savings account by calling Truist customer service at 1-800-872-2657, visiting a branch in person, or using online banking if the option appears in your account settings. The fastest method is usually a phone call, which takes about 10 minutes. Before you close, make sure any pending transactions have cleared, set up direct deposit or transfers elsewhere if you receive regular deposits, and confirm you have no outstanding checks or automatic payments still tied to the account.

Truist will not charge you a fee to close an account. However, if your account has a negative balance—money you owe the bank—you must pay that amount before closing. Once closed, the account cannot be reopened; you would have to open a new one if you change your mind later.

Key Takeaways

  • Call Truist at 1-800-872-2657, visit a branch, or use online banking to close your account; phone is usually fastest.
  • Stop all automatic payments and transfers linked to the account before you close it, or they may fail.
  • If you receive direct deposits, update your employer or the sending organization with your new bank details first.
  • Pay any negative balance on the account before closing; Truist will not close an account with money owed.
  • Closed accounts cannot be reopened—you must open a new account if you want to bank with Truist again.

Steps to close your account by phone

Call Truist customer service at 1-800-872-2657 during business hours (typically 8 a.m. to 9 p.m. Eastern Time, Monday through Friday, and 9 a.m. to 5 p.m. on Saturday). Have your account number ready. The representative will ask why you are closing the account, verify your identity, and confirm that you have no pending transactions or outstanding checks.

Tell the representative if you have automatic payments or recurring transfers set up. They will remind you that these will stop once the account closes. Ask them to confirm the exact date the account will be closed—usually it happens the same day or within one business day. Request written confirmation by email or mail if you want a record of the closure.

Closing your account in person at a branch

Visit any Truist branch with a photo ID and your account number. A teller or banker can close the account on the spot. This method works well if you want to withdraw any remaining balance in cash or if you prefer to speak face-to-face. Bring a list of any automatic payments or transfers you have set up so you can discuss them with the banker.

If your account has a positive balance, ask how you want to receive the money—as a check mailed to you, a cashier's check you take with you, or a transfer to another bank account. The branch can usually process this the same day.

What to do before closing

Review your account for any pending transactions, scheduled transfers, or automatic bill payments. Log into online banking or call customer service to see a list of recurring payments. Contact each company or service that pulls money from your Truist account—utilities, subscriptions, insurance, loan payments—and update your payment method or account number with them before you close.

If you receive direct deposits from your employer, Social Security, or another regular source, update your banking information with that organization first. Provide them with your new bank account details so deposits do not bounce or get delayed. This usually takes a few business days to take effect, so do this at least a week before you close your Truist account.

Check for any outstanding checks you have written. If checks are still in circulation, they may bounce after the account closes. Contact anyone you wrote a check to and ask them to cash it before your closure date, or wait until you are certain all checks have cleared.

Handling a negative balance

If your account is overdrawn—meaning you owe Truist money—you cannot close the account until you pay the balance. Truist will tell you the exact amount owed when you request closure. You can pay this by transferring funds from another bank account, making a payment online through Truist banking, or paying in cash at a branch.

Overdraft fees may continue to accrue if the account remains negative. Paying the balance as soon as possible stops these charges. Once you pay, the account is ready to close.

After your account is closed

Truist will send you a final statement showing the closure date and any remaining balance or amount owed. Keep this statement for your records. If you had a positive balance, the funds will arrive by the method you chose—usually within 5 to 10 business days if mailed as a check, or immediately if transferred to another bank account.

If you need to dispute a transaction or have questions about your account after closure, you can still contact Truist customer service. They can access closed account records for up to seven years. Save your account number and final statement in case you need to reference them later.

Frequently Asked Questions

Can I reopen a Truist account after I close it?

No. Once closed, the account cannot be reopened. You would have to open a new account, which may take a few business days. If you think you might want to use Truist again in the future, consider keeping the account open even if you do not use it regularly.

What happens to checks I wrote before closing?

Checks will bounce if they are deposited after your account closes. Contact anyone you wrote a check to and ask them to cash it before your closure date. If a check bounces after closure, Truist may charge a returned-check fee to the account, which you will owe before the account can fully close.

How long does it take to close a Truist account?

Closure usually happens the same day you request it or within one business day. However, if you have a positive balance being mailed as a check, that check may take 5 to 10 business days to arrive. The account itself closes immediately, but the final transaction may take longer.

Do I have to close my account in person, or can I do it over the phone?

You can close over the phone, in person, or sometimes online. Phone is usually fastest. In-person closure is useful if you want to withdraw cash or discuss automatic payments face-to-face. Online closure may not be available for all account types.

What if I have a Truist credit card—does closing my bank account affect it?

No. Closing a checking or savings account does not close a credit card. Your credit card remains open and active. However, update your billing address and payment method with Truist if you were using the bank account to pay your credit card bill.