You can close a Truist savings account by phone, find message, or in person, but not through the app or website itself

Truist does not offer a full account closure option within their online banking app or website. Instead, you will need to either call their customer service line at 1-800-872-2657, use their find message feature inside online banking, or visit a branch in person. If you have a zero balance and no linked accounts, the phone route is fastest — usually 10 to 15 minutes. If your account still holds money or is connected to other products like a checking account or credit card, you will need to move or withdraw those funds first, which can be done online.

The process is straightforward once your account is ready: confirm your balance is zero, remove any overdraft protection links, then contact Truist through your preferred method. Most closures are finalized within one to three business days, depending on which method you choose.

Key Takeaways

  • Truist does not allow account closure through their mobile app or website; you must call, visit a branch, or send a find message through online banking.
  • Your savings account must have a zero balance before closure; any remaining funds must be withdrawn or transferred online first.
  • If your savings account is linked to overdraft protection on a checking account, you will need to remove that link before closing.
  • Calling 1-800-872-2657 during business hours (Monday through Friday, 8 a.m. to 9 p.m. ET) is the fastest way to close an account with no balance.

Prepare your account before requesting closure

Before you contact Truist to close your savings account, withdraw or transfer any remaining balance. Log into your Truist online banking account, go to your savings account details, and note the exact balance. If the balance is above zero, you can transfer money to another Truist account you own, move it to an external bank account, or withdraw it at an ATM or branch.

Check whether your savings account is linked to overdraft protection on a checking account. If it is, Truist will require you to remove that link first. You can do this through online banking by going to your checking account settings and disabling overdraft protection tied to this savings account. Once the link is removed and the balance is zero, you are ready to request closure.

Close your account by phone

Call Truist customer service at 1-800-872-2657 and tell the representative you want to close your savings account. Have your account number ready — you can find it on your debit card, in your online banking portal, or on a recent statement. The representative will confirm your identity by asking for your Social Security number, date of birth, and possibly other security questions.

Once verified, the representative will confirm that your account balance is zero and that no overdraft protection is active. They will then process the closure, which is usually when ready. Ask the representative to provide a confirmation number and note the date. Some closures take one to two business days to finalize in the system, so check your online banking a few days later to confirm the account no longer appears in your account list.

Close your account through find messaging

If you prefer not to call, log into your Truist online banking account and look for the "Messages" or "find Mail" option, usually found in the account menu or under "Help & Support." Send a message to Truist stating that you want to close your savings account and include your account number. Mention that your balance is zero and that any overdraft protection has been removed.

Truist typically responds to find messages within one business day. A representative will reply asking you to confirm your identity — they may ask you to verify information over the phone or through additional security questions. Once confirmed, they will process the closure. This method takes longer than calling (usually two to three business days from your initial message to final closure) but creates a written record of your request.

Close your account in person at a branch

If you have a Truist branch near you, you can visit in person to close your savings account. Bring a government-issued photo ID and your account number. The branch representative will verify your identity, confirm your balance is zero, and process the closure on the spot. This is the fastest method if you need when ready confirmation, though it requires a trip to the branch during business hours.

Branch hours vary by location, so check the Truist website or call ahead to confirm hours at your nearest branch. If you have questions about linked accounts or overdraft protection, a branch representative can walk you through removing those connections before closure.

What happens after your account closes

Once your savings account is closed, you will no longer be able to access it through online banking or at ATMs. Any pending transactions may still post for a few days after closure, so monitor your email for any activity. Truist will not charge you a fee for closing the account, but if there is a remaining balance at the time of closure, they will mail you a check within 10 business days.

If you closed the account because of a problem — such as unexpected fees or poor service — you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. This creates a record that may help other consumers and can prompt Truist to review their practices.

Frequently Asked Questions

Can I close my Truist savings account if it still has money in it?

No. You must withdraw or transfer the full balance to zero before Truist will close the account. You can do this online by transferring to another account or withdrawing at an ATM. If you do not empty the account before requesting closure, the representative will ask you to do so before processing.

How long does it take to close a Truist savings account?

Closing by phone usually takes 10 to 15 minutes, and the account closes when ready. find messaging takes two to three business days. In-person closure at a branch is when ready. Some closures take one to two business days to fully disappear from your online banking, but the account is inactive right away.

Will Truist charge me to close my savings account?

No. Truist does not charge a fee to close a savings account. However, if you close the account while it still has a balance, Truist will mail you a check for that amount within 10 business days.

What if my savings account is linked to overdraft protection?

You must remove the overdraft protection link before closing. Go to your checking account settings in online banking and disable overdraft protection tied to this savings account. Once removed, you can proceed with closure through any method.

Do I need to close my account in person, or can I do it remotely?

You can close remotely by phone or find message. In-person closure at a branch is also an option if you prefer face-to-face confirmation, but it is not required.