You can close a Truist checking account by phone, in person, or online, but the method depends on your account type and whether you have outstanding transactions

The fastest way to close a Truist checking account is to call Truist Customer Service at 1-800-872-2657 and ask to speak with someone who handles account closures. Have your account number ready. They will confirm your identity, check for pending transactions or automatic payments linked to the account, and process the closure. If your account has a positive balance, Truist will mail you a check or transfer the funds to another account you specify.

You can also close the account in person at any Truist branch. Bring a photo ID and your account number. The teller will review any outstanding items and process the closure on the spot. If you prefer not to call or visit a branch, some Truist accounts can be closed through online banking, though this option is not available for all account types—you will need to log in and look for the account settings or contact support through the app to confirm whether your specific account can be closed online.

Before you close the account, make sure no automatic payments, direct deposits, or recurring transfers are still tied to it. If you have pending checks or scheduled bill payments, those transactions may fail after closure, which can result in overdraft fees or late payment penalties on the bills themselves. Truist will not close the account until these items clear.

Key Takeaways

  • Call Truist Customer Service at 1-800-872-2657 to close your account by phone, which is usually the fastest method and works for all account types.
  • Visit any Truist branch in person with your photo ID and account number if you prefer to handle the closure face-to-face.
  • Stop all automatic payments, direct deposits, and recurring transfers before closing, or they will fail and may trigger fees.
  • If your account has a positive balance, ask Truist to mail a check or transfer the funds to another bank account during the closure process.
  • Account closure is usually final within one to three business days, though Truist may hold the account open briefly if pending transactions are still processing.

What happens to your balance when you close

If your checking account has money in it when you close, Truist will not simply keep the funds. You must tell them where to send the balance. The most common options are a check mailed to your address on file, or a transfer to another bank account (yours or someone else's) that you provide during the closure call or visit.

Request the check if you are unsure about where you want the money to go, or if you do not have another bank account set up yet. Truist will mail it within five to seven business days. If you choose a transfer to another account, confirm the routing and account numbers carefully—a mistake here means the money goes to the wrong place and recovery can be slow.

If your account is overdrawn (you owe Truist money), the closure will not proceed until you pay the negative balance. Truist will tell you the exact amount owed when you call or visit.

Stopping automatic payments and direct deposits before closure

Any automatic payment set to come out of your Truist checking account after closure will fail. This includes utility bills, insurance premiums, loan payments, subscription services, and anything else on autopay. A failed payment can trigger a late fee from the company you owe, damage your credit if it is a loan or credit card, or result in service interruption.

Log into your Truist online banking or mobile app and review your recent transactions to spot recurring charges. For each one, contact the company directly and update your payment method to a different bank account, credit card, or payment method before you close the Truist account. Do this at least one week before closure to be safe.

Direct deposits work the same way. If your paycheck, government benefits, or other regular deposits are set to hit your Truist account, you must update the deposit information with your employer or the agency sending the money. Provide them with your new bank account details. Paychecks that arrive after closure will be rejected, and getting the money rerouted can take weeks.

Timing: how long closure takes

Once you request closure, Truist usually finalizes it within one to three business days. However, if you have pending checks, scheduled transfers, or other transactions still in process, Truist may keep the account open longer to let those clear. This is not a delay on Truist's part—it is a protection against bounced checks or failed transfers.

If you are closing because you are switching banks, plan ahead. Stop autopay and direct deposits at least one week before you call to close. This gives you time to confirm everything has moved to your new bank and nothing is still trying to hit the old account.

Once the account is closed, you will not be able to reopen it under the same account number. If you change your mind, you will need to open a new account, which means a new account number and a new round of updating autopay and direct deposit information.

Closing a joint account

If the checking account is held jointly with another person, both account holders usually need to consent to closure. Call Truist and ask whether both owners must be on the call or whether one owner can request closure on behalf of the account. Policies vary by account type.

If you are the only one who wants to close the account and the other owner does not agree, you cannot unilaterally close it. Your option is to remove yourself as an owner, which converts it to a sole account in the other person's name. Contact Truist to discuss this option.

When a joint account closes, the remaining balance is typically split equally between the two owners unless you specify otherwise. Confirm the split with Truist before closure so there is no confusion about who receives what.

What to do if you need records after closure

Truist will keep records of your closed account for a set period, usually seven years. If you need a statement, transaction history, or proof that the account is closed, you can request these documents by calling 1-800-872-2657 or visiting a branch. Have your former account number ready.

Some companies (landlords, employers, government agencies) may ask for proof that an account is closed or for transaction records from a closed account. Truist can provide these, but it may take a few business days. Request them before you close if you know you will need them soon.

Frequently Asked Questions

Can I close my Truist checking account online?

Some Truist accounts can be closed through online banking, but not all. Log into your account and check the settings or account management section. If you do not see a closure option, call 1-800-872-2657 or visit a branch—those methods work for every account type.

What if I have a pending check that has not cleared yet?

Truist will hold the account open until pending checks clear, which can take several days. If you know a check is outstanding, tell Truist when you request closure. They may ask you to wait or may close the account and reopen it briefly if the check arrives after closure.

Do I have to pay a fee to close my Truist checking account?

Truist does not charge a fee to close a checking account. However, if your account is overdrawn or has unpaid fees, you must settle those before closure.

What if my paycheck is supposed to deposit after I close the account?

Contact your employer or payroll department and provide your new bank account information at least one week before you close the Truist account. Deposits that arrive after closure will be rejected, and rerouting them takes time. Update your direct deposit before you close to avoid missing a paycheck.

Can I reopen the same account after I close it?

No. Once closed, the account number is retired and cannot be reused. If you change your mind, you will need to open a new checking account, which means a new account number and new autopay setup.