The basic steps to close a Truist account

You can close a Truist account by contacting the bank directly through phone, in person at a branch, or online through your account settings. Truist does not charge a fee to close an account. Before you close, you need to withdraw or transfer any remaining balance, stop any automatic payments or direct deposits linked to the account, and make sure any outstanding checks have cleared.

The exact process depends on the account type and whether you want to close it remotely or in person. A phone call to Truist customer service is often the fastest route if you want confirmation that the account is closed. If you close online or by mail, keep records of your request and follow up after a few business days to confirm the closure went through.

Key Takeaways

  • Withdraw or transfer your remaining balance before closing, since Truist will not hold money in a closed account.
  • Cancel any automatic payments, recurring transfers, or direct deposits tied to the account at least a week before closure.
  • Call Truist customer service at 1-800-872-2657 to close over the phone and receive immediate confirmation.
  • If you close in person, bring a photo ID and any account statements or cards associated with the account.
  • Keep written confirmation of your closure request, whether by email, letter, or call notes, in case disputes arise later.

Closing your account by phone

Calling Truist customer service is the most direct method. Dial 1-800-872-2657 and have your account number and photo ID information ready. A representative will verify your identity, confirm your account balance, and process the closure. They will also ask whether you want to transfer your remaining balance to another account or receive a check.

The phone line is open Monday through Friday during business hours, with extended hours on some days. Ask the representative for a confirmation number and note the date and time of your call. Request that they email or mail you written confirmation of the closure. This record protects you if the account appears open later or if a payment attempt is made against it.

Closing your account in person at a branch

Visit any Truist branch with your photo ID and the account card if you have one. Tell the teller or banker you want to close the account. They will verify your identity, check the balance, and ask how you want to handle any remaining funds. You can transfer the money to another account on the spot, receive a cashier's check, or request a check by mail.

Bring any statements or documents related to the account so the banker can locate it quickly if there are multiple accounts under your name. Ask for a written receipt showing the account is closed and the date of closure. Keep this receipt with your financial records.

What to do before closing

Stop all automatic payments and recurring transfers at least seven to ten days before you plan to close. Log into your Truist account online or call customer service to review what is set up. Common items to cancel include automatic bill payments, transfers to savings accounts, paycheck direct deposits, and subscription charges. If you miss canceling something, a payment attempt after closure may be rejected and could trigger overdraft fees or late charges from the merchant.

Withdraw or transfer your full balance. Truist will not keep money in a closed account, and funds may be returned to the source if you do not claim them. If you have a small balance you cannot easily transfer, ask the representative whether you can leave it or if they will mail you a check. Do not assume the bank will hold it.

Destroy your debit card and any checks linked to the account once closure is complete. If you have checks still in use, contact Truist to stop payment on them before closing, or wait until you are certain they have all cleared.

Handling remaining balances and transfers

If you want to move money to another bank, you have several options. You can transfer funds online to an external account if you have already linked it to your Truist account. You can also request a wire transfer, though Truist may charge a fee for this service. The simplest method is often to withdraw cash at a Truist ATM or branch and deposit it at your new bank, or to request a cashier's check.

If your balance is very small — under $25 — some banks will close the account and mail you a check for the remainder rather than requiring you to transfer it first. Ask the representative what Truist's policy is for your account type.

What happens after you close

Once closed, the account number is deactivated and cannot receive deposits or payments. Any attempt to use the account — whether by automatic payment, direct deposit, or manual transfer — will be rejected. The merchant or employer making the attempt will receive a notice that the account is closed or invalid.

Truist typically removes closed accounts from your online banking portal within a few days, though the account may remain visible in your history for record-keeping purposes. Your credit report is not affected by closing a checking or savings account. If you had a credit card or line of credit with Truist, closing those requires a separate process.

If you need to reopen or dispute the closure

If you closed the account by mistake or need to reopen it, contact Truist within a short window — usually 30 days. Reopening is faster than opening a new account, though Truist may require you to make a new deposit. After 30 days, you will need to open a new account instead.

If you believe the account was closed in error or without your consent, call customer service immediately and ask to speak with a supervisor. Provide the confirmation number from your closure request and any written documentation you have. Truist can investigate and may be able to reverse the closure if it was processed incorrectly.

Frequently Asked Questions

Can I close my account online?

Truist does not offer full account closure through its online banking portal. You must call, visit a branch, or mail a written request. Some account settings allow you to request closure through the app, but you will still need to speak with a representative to complete it.

Will Truist charge me to close my account?

No. Truist does not charge a fee to close a checking or savings account. If you request a wire transfer of your balance, there may be a wire fee, but the closure itself is free.

What if I have a negative balance or owe money?

You cannot close an account with a negative balance. You must pay the overdraft amount first. Contact Truist to discuss payment options if you cannot pay the full amount immediately.

How long does it take to close an account?

If you close by phone or in person, the account is typically closed the same day. If you mail a written request, allow 5 to 10 business days for processing. Always follow up to confirm closure was completed.

What if I have direct deposit set up?

You must update your direct deposit with your employer or benefits provider before closing the account. Provide them with your new account information at least one pay period in advance. If a deposit arrives after closure, it will be rejected and returned to the sender.