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 an outstanding balance

Truist offers three main routes to close a checking account. The fastest is calling Truist customer service at 1-800-872-2657 and asking to speak with someone in account services. You can also walk into any Truist branch with your ID and ask a teller to close the account. Online closure is available through Truist's website or mobile app, but only for certain account types — if you see no close option in your account settings, you'll need to use phone or branch closure instead.

Before you close, make sure your account balance is zero or positive. If you have an outstanding balance (money you owe the bank), Truist will not close the account until you pay it. If you have a positive balance, the bank will either send you a check or transfer the funds to another account you specify — ask which option they offer when you call or visit.

The closure itself is when ready, but any pending transactions may still process for a few days after. This is why you should wait until all your checks have cleared and all automatic payments have stopped before closing.

Key Takeaways

  • Call 1-800-872-2657 to close your account by phone, or visit a Truist branch in person with your ID.
  • Your account balance must be zero or positive before Truist will close the account; if you owe money, you must pay it first.
  • Pending transactions can still process for several days after closure, so confirm all checks have cleared and automatic payments have stopped.
  • If you have a positive balance when you close, ask whether Truist will mail a check or transfer the funds to another account.
  • Online closure through the app or website works only for certain account types; if you don't see a close option, use phone or branch closure instead.

What to do before you close your account

Stop all automatic payments and recurring transfers at least a week before closure. This includes bill payments, paycheck direct deposits, and transfers to savings accounts. If a payment tries to process after your account is closed, it will fail and may trigger a late fee from the company you owe money to.

Update your direct deposit with your employer or benefits provider to point to your new bank account. Truist will not forward deposits to another account, so if your paycheck or benefits payment arrives after closure, it will be rejected and returned to the sender.

Write down the account number and routing number of any new account you're moving to. When you close your Truist account, you'll need to provide this information if you want Truist to transfer your remaining balance electronically rather than mail a check.

Check your recent statements for any outstanding checks you've written. If you wrote a check that hasn't cleared yet, wait for it to process before closing. A check that arrives after your account is closed will bounce.

Closing by phone

Call 1-800-872-2657 and tell the representative you want to close your checking account. Have your account number and ID ready. The representative will ask why you're closing (this is optional to answer) and will confirm your current balance.

If your balance is positive, tell the representative whether you want a check mailed to you or an electronic transfer to another account. If you choose transfer, provide the routing number and account number of the receiving bank. If you choose a check, confirm the mailing address on file.

The representative will process the closure when ready. You'll receive a confirmation number — write it down. The account will be closed within minutes, though any pending transactions may still post for a few days.

Closing at a Truist branch

Bring your ID and go to any Truist branch during business hours. Tell a teller you want to close your checking account. The teller will pull up your account and confirm your balance.

If your balance is positive, the teller can print a check on the spot or process an electronic transfer if you provide the receiving bank's routing and account numbers. If you choose a check, you'll receive it when ready. If you choose transfer, it will process within one to two business days.

The teller will have you sign a closure form and will give you a receipt with a confirmation number. Keep this receipt for your records.

Closing through the Truist app or website

Log into your Truist account online or through the mobile app. Look for account settings or account management, usually found under a menu labeled "Accounts" or "Settings." Some account types show a "Close Account" option here; others do not.

If you see the close option, click it and follow the prompts. You'll be asked to confirm your balance and choose how to receive any remaining funds. The closure will process when ready.

If you don't see a close option, your account type does not support online closure. Use the phone or branch method instead. This is common for accounts with special features or linked services.

What happens after you close your account

Your account number becomes inactive when ready, but Truist keeps a record of it for seven years. If a check or payment arrives after closure, it will be rejected and returned to the sender with a "account closed" notice.

If you had overdraft protection linked to a savings account or credit card, that protection ends when the checking account closes. Make sure you've moved any funds you want to keep to another account before closure.

Truist will not charge you a fee to close the account. If you had a monthly maintenance fee waived because of direct deposit or minimum balance, that waiver ends when you close.

If you need to reopen your account

You can reopen a closed Truist checking account within a certain window, though Truist does not publicly state how long that window is. Call 1-800-872-2657 and ask whether your account can be reopened. If it can, a representative will walk you through the process.

If your account was closed due to inactivity or violation of Truist's account agreement, reopening may not be possible. In that case, you would need to open a new account instead.

Frequently Asked Questions

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

No. Truist does not charge a fee to close a checking account. If you have an outstanding balance (money you owe the bank), you must pay that balance, but the closure itself is free.

What happens to pending transactions after I close my account?

Pending transactions can still process for a few days after closure. If a transaction posts after your account is closed, it will be rejected. This is why you should wait until all checks have cleared and all automatic payments have stopped before closing.

Can I close my account online if I have a joint account?

Joint account closure rules vary by account type. Call 1-800-872-2657 to ask whether your joint account can be closed online or whether both account holders must be present in person or on the phone call.

What if I close my account and then a check arrives?

The check will be returned to the sender with a "account closed" notice. The sender will need to contact you to arrange payment another way. This is why you should wait for all outstanding checks to clear before closing.

Can I reopen my account after I close it?

You may be able to reopen your account within a certain window, though Truist does not publicly state how long that is. Call 1-800-872-2657 to ask. If your account was closed due to inactivity or policy violation, reopening may not be possible.