Yes, you can open most Truist accounts online, but not all of them
Truist lets you open a checking or savings account through their website or mobile app without visiting a branch. The process takes about 10 minutes and you can fund the account when ready. However, some account types—like certain business accounts, trust accounts, or accounts that require a signature card—still require a visit to a physical branch or a call to their customer service line.
The online process works for personal checking, personal savings, money market accounts, and certificates of deposit (CDs). You'll need a valid government ID, a Social Security number, and an initial deposit method (debit card, bank transfer, or wire transfer). Truist will verify your identity electronically during signup.
Key Takeaways
- Personal checking and savings accounts can be opened entirely online through Truist's website or mobile app in about 10 minutes.
- You will need a valid government ID, Social Security number, and a way to fund the account (debit card or bank transfer).
- Business accounts, trust accounts, and some specialty products require a branch visit or phone call to complete.
- Truist verifies your identity electronically during the online signup process, so you do not need to bring documents to a branch.
What you need before you start
Have your government-issued ID ready—a driver's license, passport, or state ID card. Truist will ask for your date of birth, address, and Social Security number to verify your identity. The system checks against databases to confirm you are who you say you are.
You will also need a funding method. Truist accepts debit cards, existing bank accounts (for transfers), and wire transfers. If you use a debit card, the charge appears as a temporary hold and then posts as a deposit. If you transfer from another bank account, the transfer typically takes one to three business days, though you can begin using your Truist account before the money arrives.
Have your phone number and email address ready. Truist sends a verification code to your phone during signup, and you will use your email to log into your account later.
The online signup process, step by step
Go to Truist.com or open the Truist mobile app and select "Open an Account." You will choose the account type—checking, savings, money market, or CD. Truist shows the current interest rates and monthly fees for each option at this point.
Enter your personal information: full name, date of birth, Social Security number, address, phone number, and email. Truist asks whether you are a U.S. citizen and whether you have an existing Truist account. Answer honestly; Truist uses this information to comply with federal banking rules.
Truist then asks you to verify your identity. You will upload a photo of your government ID (front and back) or answer security questions based on your credit history. The verification usually completes in seconds, though occasionally Truist flags an account for manual review, which can take up to 24 hours.
Next, you choose your funding method and enter the amount you want to deposit. Truist requires a minimum opening deposit—typically $100 for checking accounts, though this varies by account type and current promotions. Review the account terms, agree to the deposit account agreement, and submit.
You will receive your account number when ready. If you funded the account with a debit card, the money is available right away. If you used a bank transfer, you can use your account while the transfer processes.
What happens if your identity verification fails
If Truist cannot verify your identity electronically, they will either ask you to answer additional security questions or flag your account for manual review. Manual review typically takes 24 hours. During this time, you can still see your account number and routing number, but you may not be able to transfer money or use your debit card until verification is complete.
If verification fails a second time, Truist will ask you to visit a branch in person with your ID and Social Security card, or to call their customer service line at 1-800-872-2657. Bring your government ID and proof of address (a utility bill or lease works). A representative will verify your information over the phone or in person and complete your account setup.
Account types you cannot open online
Business accounts, nonprofit accounts, and trust accounts require a branch visit or phone consultation. Truist needs to understand the structure of the business or trust and may ask for documentation like an EIN letter, articles of incorporation, or a trust document. These accounts also typically require a signature card—a document you sign in front of a Truist representative to authorize who can access the account.
If you need a business or trust account, call Truist at 1-800-872-2657 and ask to speak with a business banker. They will walk you through the requirements and schedule a time for you to visit a branch or complete the process by phone.
How long until you can use your account
Your account is active when ready after you complete the online signup. You receive your account number and routing number right away and can set up direct deposits or bill pay the same day. If you funded the account with a debit card, the money is available when ready.
If you funded the account with a transfer from another bank, the money typically arrives within one to three business days, depending on the other bank's processing time. You can use your Truist account and receive direct deposits while you wait for the transfer to post.
Your debit card arrives by mail within 7 to 10 business days. Truist sends it to the address you provided during signup. You can request a rush card delivery at some branches, though this may carry a fee.
What to do if something goes wrong
If your account is locked or you cannot log in after signup, call Truist customer service at 1-800-872-2657. Have your account number and ID ready. Representatives can unlock your account, reset your password, or troubleshoot login issues over the phone.
If your initial deposit did not post, check your email for a receipt from Truist. The receipt shows the deposit amount and expected arrival date. If the deposit is late, call customer service with the receipt information. Truist can trace the transfer and tell you where it is in the system.
If you change your mind and want to close the account, you can do so online through your account settings or by calling customer service. Truist will ask whether you want to transfer any remaining balance to another account or receive a check.
Frequently Asked Questions
Do I need to visit a branch to open an account?
No, not for personal checking or savings accounts. You can open these entirely online through Truist.com or the mobile app. Business, trust, and nonprofit accounts do require a branch visit or phone consultation with a business banker.
What if I do not have a government ID?
Truist requires a valid government-issued ID to open an account online. If you do not have one, visit a branch with whatever identification you have and speak with a representative. They may be able to work with you, though requirements vary.
Can I open an account without a Social Security number?
Truist requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. This is a federal banking requirement, not a Truist policy. If you have an ITIN, you can use that instead of an SSN.
How much do I need to deposit to open an account?
Minimum opening deposits vary by account type. Most personal checking accounts require $100, though some promotional offers waive this. Check the account details page during signup to see the current minimum for the account you want.
Can I open a joint account online?
Truist allows joint accounts online, but both account holders must complete the signup process together or separately. If you open it alone, you can add a joint owner later by visiting a branch or calling customer service with the other person's information.