You can close a Truist savings account by phone, in person, or online, depending on your account type and what you prefer
Truist lets you close a savings account through three main routes: calling their customer service line, visiting a branch in person, or using online banking if your account type supports it. The fastest method is usually a phone call — you'll reach someone within minutes, confirm your identity, and have the account closed the same day. Before you close, make sure your balance is zero or move any remaining money to another account, because Truist will not close an account with a positive balance.
The process itself takes less than 10 minutes once you're connected to the right department. You'll need to provide your account number and answer security questions to verify you own the account. Truist will confirm the closure in writing, either by email or mail depending on your preferences. If you have pending transactions or automatic payments tied to the account, those need to be handled before closure — the bank will flag this during the call and walk you through what needs to change.
Key Takeaways
- Call Truist customer service at 1-800-872-2657 to close your account by phone, which is the fastest option for most people.
- Your account balance must be zero before closure; move any remaining funds to another account first.
- You'll need your account number and answers to security questions to verify your identity during the process.
- Truist will send written confirmation of the closure by email or mail within a few business days.
- Cancel any automatic payments or transfers linked to the account before you close it, or update them to point to a different account.
Closing by phone is the most direct route
Call Truist customer service at 1-800-872-2657 and tell the representative you want to close your savings account. Have your account number ready — you can find it on your debit card, a recent statement, or in the Truist mobile app. The representative will ask you to verify your identity by providing your Social Security number, date of birth, and answers to security questions you set up when you opened the account.
Once verified, the representative will confirm your account balance and make sure there are no pending transactions. If your balance is not zero, they'll walk you through transferring the money out. They'll also ask whether you have any automatic payments, direct deposits, or recurring transfers tied to the account — if you do, you'll need to update those before the account closes or they'll fail. The representative will give you a confirmation number and tell you when to expect written confirmation.
Truist customer service is available Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. Closing by phone means you don't have to visit a branch, and you get immediate confirmation that the request is in process.
Closing in person at a Truist branch
Walk into any Truist branch with a government-issued photo ID and your account number. Tell a teller or banker you want to close your savings account. They'll pull up your account, verify your identity, and confirm your balance is zero. If it's not, they can help you transfer the money to another account right there — either another Truist account or an external account if you have the routing and account numbers ready.
The teller will ask about any automatic payments or transfers linked to the account and make sure you understand those will stop working once the account closes. They'll process the closure on the spot and give you a receipt with a confirmation number. You'll still receive written confirmation by mail within a few business days, but the account is closed immediately.
In-person closure is useful if you're already at a branch, if you have questions the phone line doesn't answer clearly, or if you want to handle the transfer of funds face-to-face. Bring your ID and account number to speed up the process.
Closing online through Truist digital banking
Not all Truist savings accounts can be closed through online banking — it depends on the account type and whether you have any linked services. Log into your Truist online account or mobile app and look for account settings or account management options. Some account types show a "close account" button; others do not.
If the option is available, click it and follow the prompts. Truist will confirm your balance is zero and ask you to verify the closure. You'll get an on-screen confirmation and a confirmation number. If the option is not available in your app, you'll need to use the phone or branch method instead — there's no workaround for accounts that don't support online closure.
Online closure is the fastest if your account type supports it, because you can do it anytime without waiting for business hours. However, you won't be able to ask questions in real time, so use this method only if you're certain your account is ready to close and you have no pending transactions.
What to do before you close the account
Move your money out first. If your Truist savings account has any balance, transfer it to another account — either another Truist account you own or an external bank account. You can do this through online banking, the mobile app, or by calling customer service. Truist will not close an account with money in it, so this step is mandatory.
Cancel or update any automatic payments or recurring transfers. If you have bills set to pay from this savings account, or if you receive direct deposits into it, change those to point to a different account. Check your recent statements to see what's been coming in and going out. If you miss this step, those transactions will fail after the account closes, and you may face late fees on bills or miss income deposits.
If you have a debit card linked to the savings account, it will stop working once the account closes. If you need a debit card, make sure you have one tied to a different Truist account, or plan to get a new one from another bank.
What happens after you close the account
Truist will send you written confirmation of the closure by mail or email, depending on your communication preferences. This usually arrives within 3 to 5 business days. Keep this confirmation for your records — it shows the account is officially closed and can be useful if you ever need to dispute something or prove the account was closed on a certain date.
The account number becomes inactive immediately and cannot be used for deposits or withdrawals. If someone tries to send money to the account after it's closed, the transfer will fail and the money will be returned to the sender. If you had overdraft protection linked to this account, that protection is removed once the account closes.
If you had a savings account with a monthly maintenance fee, you won't be charged any more fees after closure. However, if there were any pending fees at the time of closure, Truist may deduct them from your final balance before you transfer the money out.
Frequently Asked Questions
Can I close my Truist savings account if it has a negative balance?
No. You must bring the balance to zero or positive before closure. If your account is overdrawn, you'll need to deposit money to cover the negative balance, then transfer out the remaining funds. Truist won't close an account with a deficit.
What if I have a pending direct deposit scheduled to hit the account after I close it?
Update the direct deposit to point to a different account before you close. If a deposit hits a closed account, it will be returned to the sender, and you may miss income. Contact your employer or the organization sending the deposit and give them your new account number.
Do I lose my transaction history after I close the account?
Truist keeps your transaction history on file for a set period even after closure. You can request statements or transaction records by calling customer service. However, you won't be able to see the history in online banking once the account is closed, so download or print statements you need before you close.
How long does it take to close a Truist savings account?
The closure itself is immediate — once you confirm it by phone, in person, or online, the account stops accepting transactions right away. Written confirmation arrives within 3 to 5 business days. The entire process from start to finish usually takes less than a week.
Can I reopen a Truist savings account after I close it?
Yes, you can open a new savings account with Truist at any time. However, the old account number will not be reactivated — you'll get a new account number. There's no penalty for closing and reopening; Truist treats it as a new account.