You can close a Truist checking account online through your account settings, but Truist requires you to call to complete the closure
Truist does not offer a fully online account closure. You can start the process through the Truist mobile app or website by navigating to your account settings and initiating a closure request, but a Truist representative must finish it over the phone. This means you cannot close your account entirely without speaking to someone, though the phone call is usually brief once you have prepared your account.
Before you call, you need to empty your account completely—transfer or withdraw all remaining funds, and make sure no pending transactions or automatic payments are still attached to it. Truist will not close an account with a balance, and they will not close it if direct deposits, bill payments, or other recurring transactions are still linked to it.
Key Takeaways
- Truist requires a phone call to finalize account closure, even though you can start the request online through the app or website.
- You must have a zero balance and no pending transactions before Truist will close the account.
- Cancel all automatic payments, direct deposits, and recurring transfers linked to the account at least a few days before you call.
- Call Truist customer service at the number on the back of your debit card or in your account settings to complete the closure.
- Ask for written confirmation of the closure once the phone call ends, and keep that confirmation for your records.
Steps to prepare your account before calling
Start by transferring or withdrawing all money from the account. Log into Truist online or through the mobile app, check your balance, and move the funds to another bank account or withdraw them in cash. Even a few cents left in the account can delay or block closure.
Next, cancel every automatic payment and recurring transaction tied to the account. This includes direct deposits from your employer, automatic bill payments, subscription charges, peer-to-peer transfers, and any other recurring activity. Log into each service that pulls money from this Truist account and update the payment method or cancel the transaction. Do this at least three to five business days before you call Truist, so the cancellations have time to process.
Check your recent transactions to make sure nothing is still pending. Pending transactions can block closure. If you see any, wait for them to post or contact the merchant to cancel them. Once your account shows a zero balance and no pending activity, you are ready to call.
How to start the closure request online
Open the Truist mobile app or log into Truist.com on your computer. Navigate to your account settings—this is usually found in a menu labeled "Settings," "Account," or a gear icon. Look for an option that says "Close Account," "Account Closure," or "Manage Account."
Select your checking account from the list of accounts if you have more than one. Truist will ask you to confirm that your balance is zero and that you understand the account will be closed. You may also see a field asking why you are closing the account—this is optional, but Truist sometimes uses this feedback. Complete the online form and submit it.
After you submit the online request, Truist will send you a confirmation message or email. This does not mean your account is closed yet—it means Truist has received your request and a representative will contact you or you will need to call to finish the process.
Calling Truist to complete the closure
Find the customer service number on the back of your Truist debit card, in your account settings, or on Truist.com. Call during business hours—Truist customer service is typically available Monday through Friday during standard banking hours, and some locations offer weekend support. Have your account number and a form of identification ready.
Tell the representative that you have submitted an online closure request and want to complete it. They will verify your identity, confirm that your account balance is zero, and check that no pending transactions remain. If everything is clear, they will process the closure immediately.
The representative may ask why you are closing the account or whether you want to keep any other Truist accounts open. Answer these questions, but remember that your decision to close is final—you do not need to justify it or accept offers to keep the account open.
What happens after closure
Once the representative confirms the closure, your Truist checking account is closed. You will no longer be able to use the debit card, make transfers, or access the account online. Truist will send you a written confirmation in the mail within a few business days.
If you have checks linked to this account, stop using them immediately. Any checks you write after closure will bounce. If you have already written checks that have not cleared, contact the recipients and provide a new payment method.
Keep the written confirmation Truist sends you for your records. If you ever need to prove the account was closed—for tax purposes, to dispute a charge, or for any other reason—this confirmation is your proof.
What to do if you cannot close the account online
If the online closure option does not appear in your account settings, or if you receive an error message when you try to submit the request, call Truist directly instead of trying again online. Some accounts have restrictions that prevent online closure, and a representative can tell you what the issue is and how to resolve it.
Common reasons an account cannot close include an outstanding balance, pending transactions, active direct deposits, or an unresolved dispute. If Truist tells you the account cannot close, ask specifically what needs to be fixed. Once you address the issue, you can try the online request again or ask the representative to process the closure over the phone.
Frequently Asked Questions
How long does it take for Truist to close my account after I call?
Truist closes the account immediately during the phone call. Your account will be inaccessible right away, though the written confirmation may take a few business days to arrive in the mail. If you need proof of closure before the letter arrives, ask the representative for a confirmation number during the call.
What happens to my debit card after I close the account?
Your Truist debit card will stop working as soon as the account is closed. You do not need to do anything to the card—it will simply decline if you try to use it. If you want to destroy it, you can cut it up or shred it. Truist does not require you to return it.
Can I reopen a Truist checking account after I close it?
Yes, you can open a new Truist checking account at any time after closure. However, Truist may review your banking history, and if there were issues with the closed account, they may ask questions or require additional information before opening a new one.
Do I need to close my account in person at a branch?
No. You can close your account entirely by phone after starting the request online. Truist does not require an in-person visit to a branch, though you can visit one if you prefer to speak to someone face-to-face.
What if I have a pending check or automatic payment that has not cleared yet?
Wait for all pending transactions to post before you close the account. If a check or payment is still pending when you call, Truist will not close the account. If you are in a hurry, contact the recipient or your employer and ask them to cancel or redirect the transaction to a different account.