You can close a Truist account by phone, in person, or online, but the method depends on your account type and whether you have outstanding balances

Closing a Truist account takes between a few minutes and several business days, depending on how you do it. The fastest route is calling Truist customer service at 1-800-872-2657 and speaking to a representative who can walk you through the process on the spot. If you prefer to close in person, visit any Truist branch with a valid ID and ask to speak with an account representative. Online closure is available for some account types through your Truist login, though not all accounts can be closed this way.

Before you close, you need to handle any outstanding balances—pay off credit card debt, cover overdrafts, and withdraw or transfer any remaining funds. Truist will not close an account with a negative balance. Once those are settled, the closure itself is straightforward, but the final steps take time because the bank has to process the request, issue any remaining checks, and handle any pending transactions.

Key Takeaways

  • Call 1-800-872-2657 to close most Truist accounts; a representative can complete the process in one call if your account is in good standing.
  • You must pay off any negative balance, overdrafts, or outstanding credit card debt before Truist will close the account.
  • Transfer or withdraw all remaining funds before closure, because once the account closes, accessing money becomes more difficult.
  • Closure takes three to five business days after you request it, because the bank must process pending transactions and issue final statements.
  • Keep your account open for at least 30 days after closure if you have outstanding checks, because they may still clear after the account is closed.

What you need to do before closing

Pay off any negative balance first. If your account is overdrawn, Truist will not close it until you deposit enough to bring the balance to zero. The same applies to credit card accounts—any outstanding balance must be paid in full. Check your most recent statement or log into your Truist account online to see your current balance and any fees or pending charges.

Transfer or withdraw all remaining funds. Decide where the money should go—another bank account, a check, or cash withdrawal. If you are transferring to another bank, set up an external transfer through your Truist online banking at least one business day before you request closure, because the transfer may not complete if the account closes while it is processing. If you are withdrawing cash, do this at a branch or ATM before you call to close.

Gather any documents you might need. Have your Truist account number, Social Security number, and a valid ID ready. If you are closing in person, bring the ID with you. If you are closing by phone, the representative will ask you to verify this information before proceeding.

Closing by phone

Call Truist customer service at 1-800-872-2657 and tell the representative you want to close your account. They will verify your identity by asking for your account number, Social Security number, and possibly the last four digits of the card or the amount of your last deposit. Have this information ready before you call.

The representative will confirm that your account balance is zero and that there are no pending transactions. If there are pending items, they will tell you how long to wait before calling back. Once everything is clear, they will process the closure request. Ask them for a confirmation number and when the account will be fully closed—usually three to five business days.

Write down the confirmation number and the date you called. You will need this if you have questions later or if you receive unexpected charges after closure.

Closing in person at a Truist branch

Visit any Truist branch during business hours with a valid government-issued ID. Tell the teller or account representative that you want to close your account. They will pull up your account and confirm that the balance is zero and there are no pending transactions, just as a phone representative would.

If everything is in order, they will process the closure and give you a written confirmation with a reference number and the expected closure date. Ask them to print this confirmation for your records. If there are pending items, they will tell you to wait and call back or return to the branch once those clear.

Closing in person is useful if you have questions about your account history or if you want to withdraw cash at the same time. It also gives you a paper record of the closure when ready, rather than waiting for a confirmation email.

Closing online through Truist digital banking

Log into your Truist online account and look for account settings or account management options. Some account types—typically basic checking and savings accounts—can be closed directly through the portal. Look for a "Close Account" or "Manage Account" option. Not all accounts support online closure, so if you do not see this option, you will need to call or visit a branch instead.

If the option is available, click it and follow the prompts. Truist will ask you to confirm that your balance is zero and that you understand the account will be closed. You will receive a confirmation number on screen and via email. Write down the confirmation number and the date you requested closure.

Online closure is fastest if your account type supports it, but it does not work for credit cards, business accounts, or accounts with outstanding balances. If you are unsure whether your account can be closed online, call customer service first.

What happens after you request closure

Truist processes the closure request over the next three to five business days. During this time, any checks you have written that have not yet cleared will still process, and any pending deposits or transfers will complete. This is why you should not request closure if you have outstanding checks—the account needs to stay open long enough for them to clear.

You will receive a final statement by mail or email showing all transactions up to the closure date. Keep this statement for your records, especially if you have any questions about charges or pending items. If you do not receive a final statement within 10 business days, call customer service to request one.

Once the account is closed, you will no longer be able to use any debit cards, checks, or online access associated with that account. If you have automatic payments or direct deposits set up, they will fail once the account closes, so contact those companies to update your banking information beforehand.

If you have outstanding checks or pending transactions

Do not request closure if you know checks are still outstanding. Truist can close an account with pending checks, but the checks will bounce if they arrive after closure. Instead, wait until you are confident all checks have cleared—usually 30 days after you wrote them—before requesting closure.

If you have already requested closure and realize there are outstanding checks, call 1-800-872-2657 when ready and ask to cancel the closure request. The representative can reopen the account if the closure has not yet processed. If the account is already closed, you may be able to reopen it, but this requires a new request and can take additional time.

For automatic payments or recurring charges, contact each company directly and give them your new banking information before you close the account. Do not rely on the company to update your information after the account closes—they will not know where to send the payment, and you may be charged late fees.

Frequently Asked Questions

Can I close my Truist account if I have a negative balance?

No. You must deposit money to bring the balance to zero before Truist will close the account. If you have overdraft fees, those must be paid as well. Once the balance is zero, you can request closure.

How long does it take to close a Truist account?

The closure request itself takes a few minutes, but the account does not fully close for three to five business days. This delay allows pending transactions to clear and gives Truist time to process the request. If you have outstanding checks, keep the account open for at least 30 days.

What happens to my debit card after I close my account?

Your debit card will stop working once the account closes. You do not need to do anything—Truist will deactivate it automatically. If you want to destroy the card yourself, you can cut it up or shred it before closure.

Can I close my Truist credit card account online?

Credit card accounts cannot be closed through online banking. You must call 1-800-872-2657 or visit a branch. Make sure the balance is paid in full before you request closure.

What if I closed my account and then received a charge?

Contact Truist customer service at 1-800-872-2657 with your confirmation number and the date you closed the account. If a charge posted after closure, the bank may be able to reverse it. Keep your final statement so you can show the representative when the account was closed.