How to close your Truist account

You can close a Truist checking or savings account by calling Truist customer service, visiting a branch in person, or using online banking if the option is available in your account settings. Truist does not charge a fee to close an account. Before you close, make sure any automatic payments or direct deposits tied to that account are moved to another bank account, and that you've withdrawn or transferred out any remaining balance.

The process typically takes a few minutes over the phone or at a branch. If you close online, the account may take one to three business days to fully close. You'll receive written confirmation by mail within one to two weeks.

Key Takeaways

  • You can close a Truist account by phone, in person at a branch, or through online banking without paying a fee.
  • Before closing, redirect any automatic bill payments, paycheck deposits, or other recurring transfers to your new bank account.
  • Withdraw or transfer your remaining balance before the account closes, or Truist will mail you a check.
  • Bring a government-issued ID if you close in person, and ask for written confirmation of the closure.
  • The account closure is complete within one to three business days, with written confirmation arriving by mail within two weeks.

Closing your account by phone

Call Truist customer service at 1-800-872-2657 to close your account over the phone. Have your account number ready. A representative will ask why you're closing and confirm your identity by asking security questions or requesting information from your account.

The representative will verify that you have no outstanding checks, pending transfers, or automatic payments linked to the account. If you do, they'll walk you through moving those to another account first. Once confirmed, they'll process the closure when ready and provide you with a confirmation number. Write this down or ask them to email it to you.

Closing your account in person at a Truist branch

Visit any Truist branch during business hours with a government-issued ID such as a driver's license or passport. Tell a teller or banker that you want to close your account. They'll pull up your account, check for any pending transactions, and ask you to sign a form authorizing the closure.

If your account has a remaining balance, the teller will ask whether you want to withdraw it in cash, transfer it to another account, or have Truist mail you a check. If you choose the check option, it typically arrives within five to seven business days. Ask the teller for a written receipt showing the account is closed.

Closing your account online

Some Truist accounts allow you to request closure through online banking. Log into your Truist account, look for account settings or account management options, and search for a "close account" or "close this account" link. Not all account types offer this option — if you don't see it, you'll need to call or visit a branch.

If the online option is available, you'll be asked to confirm your identity and review any remaining balance. The system will show you a list of any automatic payments or recurring transfers tied to the account. You must move these to another account before the closure can be processed. Once submitted, the account typically closes within one to three business days.

What to do before you close

Before you initiate the closure, log into your account and check for any automatic bill payments, recurring transfers, or direct deposits. These include utilities, insurance premiums, loan payments, subscription services, and paycheck deposits. Update each one to point to your new bank account at least one week before you close the Truist account.

Withdraw or transfer any remaining balance to another account. If you leave money in the account when it closes, Truist will mail you a check, which can take five to seven business days. Some people prefer to do this themselves to avoid the wait. Also check for any pending checks you've written — if checks are still clearing, wait until they post before closing.

What happens to your debit card and checks

Your Truist debit card will stop working once the account closes, usually within 24 hours of the closure being processed. You do not need to do anything to deactivate it — it will straightforward decline at merchants and ATMs. If you want to destroy the card before that happens, you can cut it up or shred it.

Any checks you've ordered but not yet received will be cancelled automatically. If you've already received checks and haven't used them all, do not write any new checks after the closure is processed. Checks written against a closed account will bounce, and you may be charged a fee by both Truist and the merchant or person you wrote the check to.

After your account is closed

You'll receive written confirmation of the closure by mail within one to two weeks. Keep this letter for your records. If you need proof that the account is closed for any reason — such as for a mortgage process or to dispute a charge — you can contact Truist customer service and request a letter of closure.

If you closed the account because of a problem with Truist's service, you may want to review your final statement to make sure all transactions are correct. If you spot an error or unauthorized charge, report it to Truist within 60 days of the statement date. After the account closes, you can still dispute charges that occurred while the account was open.

Frequently Asked Questions

Can I reopen a Truist account after I close it?

Yes, you can open a new Truist account at any time after closing one. However, if your account was closed due to overdrafts, fraud, or violation of Truist's account agreement, Truist may decline to open a new account for you. If you're unsure whether you're may be able to access to open a new account, call customer service before visiting a branch.

What if I have a negative balance when I try to close?

You cannot close an account with a negative balance. You must pay the overdraft amount first. Call customer service or visit a branch, pay the negative balance in full, and then request the closure. If you don't pay it, Truist may close the account on their own and report it to ChexSystems, which can affect your ability to open accounts at other banks.

How long does it take for a closed account to stop appearing in my online banking?

Closed accounts typically remain visible in your Truist online banking for 30 to 90 days so you can review the final statement and check for any remaining transactions. After that period, the account is removed from your active account list but you can still contact Truist to request historical statements.

Do I need to close my account in person, or can I do it entirely by phone?

You can close your account entirely by phone without visiting a branch. Call 1-800-872-2657 and follow the representative's instructions. You'll receive written confirmation by mail. Closing by phone is faster than waiting for mail confirmation if you close in person, though both methods are free.

What if I have a joint account — do both owners need to be present to close it?

Truist typically requires only one owner to request closure of a joint account, but policies vary by account type and state. Call customer service or visit your branch to confirm the requirement for your specific account. If both owners must be present, you'll need to coordinate with the other owner or have them authorize the closure in writing.