You can close a Truist account online through your digital banking portal, but the process depends on whether you have outstanding balances or linked services
Closing a Truist account online starts in your account settings, but Truist requires you to handle certain things before or after the digital closure — you cannot do everything in one step. If your account has a positive balance, you will need to move that money out first. If you have a negative balance (you owe the bank), you must pay it before closing. Truist also requires you to cancel any linked services like bill pay or automatic transfers before you initiate the closure itself.
The actual closure request takes place in your online banking dashboard under account settings. After you submit the request, Truist will send you a confirmation email and may take several business days to fully close the account. During that time, the account remains open but inactive — you cannot use it, but it still exists in their system.
Key Takeaways
- Move all money out of your account and pay any negative balance before you start the closure process.
- Cancel automatic bill payments, transfers, and any other linked services through your online dashboard first.
- Log into your Truist online banking account, go to account settings, and look for the close account or account closure option.
- Truist will send you a confirmation email after you submit your closure request, and the account typically closes within several business days.
- If you cannot close the account online, call Truist customer service at 1-800-872-8748 to close it by phone.
Step-by-step: closing your account through online banking
Log into your Truist online banking account using your username and password. If you use the Truist mobile app, you can also close your account there — the steps are the same.
Go to your account settings or profile menu. In most online banking systems, this appears as a gear icon or a menu labeled "Settings" or "Profile." Look for an option that says "Manage Accounts," "Account Settings," or "Close Account."
Select the specific account you want to close. Truist will show you a list of all accounts linked to your login. Click on the account you are closing, then look for a "Close Account" or "Request Account Closure" button.
Review the information Truist displays. The system will show you the account number, current balance, and any pending transactions. Read through any warnings or notices — Truist may remind you that closing the account is permanent and that you should move any money out first.
Confirm your closure request. Click the button to submit. Truist will ask you to confirm one more time before the request goes through. After you confirm, you will see a confirmation message on screen and receive an email confirmation within a few minutes.
What you must do before you close the account
Move all money out of the account. If your account has a positive balance, transfer it to another bank account — either another Truist account or an account at a different bank. You can do this through Truist's bill pay or transfer feature, or you can withdraw the money in cash at a Truist branch or ATM. Truist will not close an account that still holds money.
Pay any negative balance. If you owe Truist money — because of overdraft fees, returned checks, or other charges — you must pay that balance before closure. You can pay online through your account, by phone, or in person at a branch. Once you pay, the balance will show as zero and you can proceed with closure.
Cancel automatic payments and transfers. If you have set up bill pay, automatic transfers to other accounts, or recurring payments through this account, you must cancel them first. Go to your bill pay settings or transfer settings and delete each one. Truist will not let you close an account that has active automatic transactions scheduled.
Remove linked services. If you have a credit card, line of credit, or other Truist product linked to this account for transfers or payments, contact Truist to unlink them or close those products first. Some linked services will prevent account closure.
What happens after you submit your closure request
Truist sends you a confirmation email. This email will include the account number, the date you requested closure, and an expected closure date. Keep this email for your records.
The account enters a pending closure status. During this time — usually three to five business days — the account remains open in Truist's system but you cannot use it. No transactions will go through. If you accidentally try to use the account, the transaction will be declined.
Truist closes the account. Once the closure is complete, you will receive a final confirmation email. The account is now closed and no longer appears in your online banking login. If you had a debit card linked to this account, it will stop working.
You may receive a final statement. Depending on your account type, Truist may mail you a final account statement showing all activity up to the closure date. This statement is useful for your records and for tax purposes if the account earned interest.
If you cannot close the account online
Some account types or situations prevent online closure. If you see an error message when you try to close your account, or if the close account option does not appear in your settings, you will need to close the account by phone or in person.
Call Truist customer service at 1-800-872-8748. Have your account number and identification ready. A representative will walk you through the closure process and can close the account over the phone. This usually takes 10 to 15 minutes.
Visit a Truist branch in person. Bring a photo ID and your account number. A branch representative can close your account on the spot. This is the fastest option if you need the account closed when ready.
Common reasons the online closure does not work
You still have a balance in the account. Move all money out first, then try again.
You have an outstanding negative balance. Pay what you owe, then try again.
You have active bill pay or automatic transfers set up. Cancel all of them in your bill pay settings before attempting closure.
The account is a joint account. Truist may require both account holders to request closure together, or may require you to call to verify both owners consent.
The account is linked to a credit card or loan. Contact Truist to unlink or close those products first.
What to do with your money and documents
If you are moving to a different bank, set up your new account before you close your Truist account. Transfer your direct deposit, automatic payments, and any recurring transfers to the new account. This prevents a gap where money is supposed to arrive but has nowhere to go.
Keep your final account statement. Truist will mail it to you, or you can read it from your online banking account before the account closes. Save this for your tax records and for proof that the account is closed.
Update any services that pull money from this account. If you have subscriptions, insurance payments, or other recurring charges that come out of your Truist account, update those services with your new bank account information before the account closes. Otherwise, those payments will fail.
Frequently Asked Questions
Can I reopen a Truist account after I close it?
Yes, but Truist treats it as a new account. You will need to go through the account opening process again, including providing identification and initial funding. There is no automatic way to reopen a closed account — you must open a new one.
What happens to my debit card when I close the account?
Your debit card will stop working when ready after the account closes. If you have a new Truist account, you can order a new debit card for that account. If you are leaving Truist, destroy the old card or contact Truist to have it cancelled.
How long does it take for Truist to fully close my account?
Most accounts close within three to five business days after you submit your closure request. You will receive a confirmation email when the closure is complete. Some accounts may take longer if there are pending transactions or other complications.
Will closing my account hurt my credit score?
Closing a bank account does not directly affect your credit score. Bank accounts do not appear on your credit report. However, if you close the account while you owe money, that debt may be reported and could affect your score.
Can I close a joint account online if the other owner does not want to?
No. Truist requires both owners to consent to closure of a joint account. If you want to close a joint account and the other owner disagrees, you will need to contact Truist by phone or visit a branch to discuss your options.