How to close a Truist account

You can close a Truist checking or savings account by visiting a branch in person, calling Truist customer service, or using online banking if your account type allows it. The fastest method is usually a phone call to the number on the back of your debit card or on your Truist statement. Before you close, make sure your account balance is zero — withdraw remaining funds or request a check — and confirm that no automatic payments or direct deposits are still tied to the account.

Truist does not charge a fee to close an account. The process typically takes a few business days to complete, though the account may appear closed in your online banking when ready after you request it. If you have a mortgage, investment account, or credit card with Truist, closing a checking or savings account does not affect those products.

Key Takeaways

  • Call the customer service number on your debit card or statement to close your account by phone, which is usually the fastest option.
  • Visit a Truist branch in person with a photo ID to close your account and withdraw any remaining balance on the spot.
  • Withdraw or transfer all money from your account before closing, and cancel any automatic payments or direct deposits linked to it.
  • Truist does not charge a fee to close a checking or savings account, and the process typically takes a few business days.

Closing your account by phone

Call the Truist customer service number printed on the back of your debit card or on your monthly statement. Have your account number and a photo ID ready. The representative will ask you to confirm your identity, verify that your account balance is zero, and check whether any automatic payments are still active on the account.

If you have a remaining balance, the representative can tell you how to withdraw it — either by transferring to another bank account, requesting a check, or visiting a branch. Once you confirm there are no pending transactions, the representative will process the closure. You will receive a confirmation number; write it down for your records.

Closing your account in person at a branch

Visit any Truist branch with a photo ID and your debit card or account number. Tell the teller you want to close your account. They will pull up your account, confirm the balance is zero, and ask about any automatic payments or direct deposits. If you have money in the account, you can withdraw it in cash or request a cashier's check on the spot.

The teller will have you sign a form confirming the closure and will give you a receipt with a confirmation number. This method is useful if you want to handle the balance when ready or if you prefer to close the account face-to-face.

What to do before you close

Check your account for any automatic payments, recurring charges, or subscriptions tied to your Truist debit card or account number. Common examples include streaming services, gym memberships, insurance payments, and utility bills. You will need to update the payment method for these services before closing the account, or they may fail and result in late fees or service interruptions.

If you receive direct deposits — such as paychecks or government payments — contact your employer or the paying organization to update your banking information. Deposits sent to a closed account may be returned or delayed. Withdraw or transfer any remaining balance to another account. If you leave money in the account, Truist may hold it for a set period before returning it to you by check.

After your account is closed

Your Truist debit card will stop working once the account is closed. If you have checks linked to the account, do not use them — they will be rejected. Truist will send you written confirmation of the closure by mail within a few business days.

Your closed account will remain visible in your online banking for a limited time so you can review past statements and transactions. After that period, you can no longer view the account online. If you need records of transactions after the account is closed, read or print your statements before closing.

If you have other Truist products

Closing a checking or savings account does not close credit cards, mortgages, investment accounts, or other Truist products you may have. Those accounts remain open and active. If you want to close a credit card or other product, you will need to request that separately through the appropriate channel — usually a phone call to the number on that card or statement.

If your Truist checking account is linked to a credit card for automatic payments, update the payment method on the credit card before closing the checking account. Otherwise, your credit card payment may fail.

Frequently Asked Questions

Can I reopen a Truist account after I close it?

You can open a new Truist account after closing one, but Truist may review your banking history. If you closed the account in good standing with no negative balance or fraud, opening a new account is usually straightforward. Contact a branch or call customer service to open a new account.

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

Your debit card will no longer work once the account is closed. You do not need to return it to Truist, but you can destroy it or contact Truist to request they deactivate it. Any pending transactions on the card may be declined.

How long does it take for my account to fully close?

The account typically appears closed in your online banking within one business day, but the full closure process can take three to five business days. During this time, pending transactions may still post. You will receive written confirmation by mail once the closure is complete.

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

You must pay the negative balance before Truist will close the account. You can transfer funds from another account, deposit cash at a branch, or arrange a payment over the phone with customer service. Once the balance is zero, the closure can proceed.

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

You can close your account over the phone or in person — both methods work. Phone closure is faster if you have no remaining balance and no pending transactions. In-person closure is useful if you want to withdraw cash or handle the balance when ready.