How to close a Truist account
You can close a Truist checking or savings account by calling Truist customer service, visiting a branch in person, or using online banking if the option is available in your account settings. The fastest method is usually a phone call to the number on the back of your debit card or on your Truist statement. You will need to have your account number ready, and Truist will ask you to confirm your identity before processing the closure.
Before you close, make sure any automatic payments or direct deposits linked to the account are moved to another bank account. Truist will not automatically redirect these, and missed payments or lost deposits can create problems weeks after closure. You should also withdraw or transfer any remaining balance, though Truist will mail you a check for funds left in the account after closure.
The account closes when ready when you request it by phone or in branch, though it may take a few business days for the closure to appear in your online banking. Any pending transactions will still process against the account during this window, so monitor the account until you see a zero balance.
Key Takeaways
- Call the number on your Truist debit card or statement to close your account by phone, which is faster than visiting a branch.
- Move any automatic payments or direct deposits to another account before closing, because Truist will not forward them automatically.
- Withdraw or transfer your remaining balance before closure, though Truist will mail a check for any funds left behind.
- The account closes when ready when you request it, but pending transactions may still process for a few business days.
- Keep your account open long enough for any outstanding checks or transfers to clear, or you may face overdraft fees.
Steps to close your account by phone
Call Truist customer service using the number on the back of your debit card. This number routes you to the correct department and confirms you are calling an official Truist line. Have your account number, Social Security number, and a form of identification ready when you call.
Tell the representative you want to close your account. They will ask you to confirm your identity by providing your Social Security number, date of birth, or answers to security questions Truist has on file. They may also ask why you are closing the account, but you are not required to explain.
The representative will confirm your account balance and ask what you want to do with any remaining funds. If you have a balance, you can request a check be mailed to you, or you can provide another bank account number for a transfer. The account will close at the end of the call, and you will receive a confirmation number.
Closing your account in person at a Truist branch
Visit any Truist branch with a photo ID and your debit card or account number. Tell a teller you want to close your account. They will pull up your account, confirm your identity, and review your balance with you.
If you have funds in the account, the teller can withdraw cash on the spot or issue a cashier's check. If you prefer, you can request a check be mailed to your address on file. The teller will process the closure when ready and give you a receipt with a confirmation number.
Closing in person takes longer than calling because you have to travel to a branch and wait for an available teller, but it gives you a paper receipt and the option to walk out with cash the same day.
What to do with automatic payments before closing
Log into your Truist online banking or mobile app and review your account for any recurring charges or automatic bill payments. Look for subscriptions, insurance payments, loan payments, or utility bills that debit your account on a regular schedule. Write down the company name, payment amount, and payment date for each one.
Contact each company or service and update your payment method to a different bank account or credit card. Do this at least one week before you plan to close your Truist account. If you wait until after closure, the payment will fail and the company may charge you a late fee or suspend your service.
For payroll direct deposits, contact your employer's payroll or human resources department and provide them with your new bank account number and routing number. This change usually takes one to two pay periods to take effect, so make the request well before your Truist account closes.
Handling your remaining balance and pending transactions
Before you close your account, withdraw or transfer any balance you want to keep. If you leave money in the account at closure, Truist will mail a check to your address on file. This check typically arrives within one to two weeks, but can take longer depending on mail delivery.
Check your recent transactions for any pending charges or transfers that have not yet posted. These can take several business days to clear, and if they post after your account is closed, Truist may charge an overdraft fee because the account has no funds. If you have pending transactions, wait until they clear before closing, or transfer enough money back into the account to cover them.
If you wrote any checks from this account that have not yet been cashed, wait until they clear before closing. Uncashed checks can post weeks after you close, and a closed account cannot process them.
What happens after your account closes
Your debit card will stop working when ready. If you have a Truist credit card, it is a separate account and will not be affected by closing your checking or savings account.
Truist will send you a final statement showing all transactions through the closure date. This statement will arrive by mail within one to two weeks. Keep this statement for your records in case you need to dispute a transaction or verify that the account closed.
If you closed your account because of a problem with Truist, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. The CFPB investigates complaints about banks and can force a bank to correct errors or refund fees.
Reasons to keep your Truist account open longer
If you have a mortgage, auto loan, or other debt with Truist, closing your checking account does not affect the loan. However, if you have a Truist credit card, closing your checking account does not close the credit card. You must close the credit card separately if you want to close that account.
If you are switching banks, consider keeping your old Truist account open for 30 days after you close it. This gives you time to catch any automatic payments or direct deposits that were missed, and you can contact Truist to redirect them. After 30 days, you can close the account with confidence that nothing important is still using it.
If you have a negative balance or owe Truist money, you cannot close the account until the debt is paid. Contact Truist to find out what you owe and how to pay it before requesting closure.
Frequently Asked Questions
Can I close my Truist account online?
Some Truist accounts allow closure through online banking, but this option is not available on all accounts. Log into your account and look for a "Close Account" or "Account Settings" option. If you do not see it, call Truist customer service or visit a branch to close your account.
Will I be charged a fee to close my account?
Truist does not charge a fee to close a checking or savings account. However, if your account has a negative balance or outstanding fees, Truist will deduct those from any remaining funds before closing.
How long does it take for my account to fully close?
Your account closes when ready when you request it, but it can take three to five business days for the closure to stop appearing in your online banking. Pending transactions may still process during this time, so monitor your account until you see a zero balance and no pending items.
What if I have a Truist savings account and a checking account?
Each account closes separately. You must request closure for each one individually. Call Truist and specify which account you want to close, or close them both in the same call by telling the representative you want to close multiple accounts.
Can I reopen my Truist account after I close it?
Yes, you can open a new Truist account at any time after closure. However, if you closed your account due to a negative balance or fraud, Truist may require you to wait a certain period or may deny your process for a new account. Contact Truist to ask about reopening before you close if this is a concern.