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 the option is available for your account type. 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 linked to the account.

Truist does not charge a fee to close an account, and the process typically takes a few business days to complete. You will receive written confirmation once the account is closed. If you have a mortgage, credit card, or other Truist products tied to the account you are closing, contact Truist to update your payment method before you proceed.

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.
  • Withdraw or transfer all remaining money from the account before closing, since Truist will not close an account with a balance.
  • Cancel or redirect any automatic payments, direct deposits, or bill pay transactions linked to the account you are closing.
  • Update payment methods for other Truist products like mortgages or credit cards if they are currently set to draft from the account you are closing.
  • You will receive written confirmation by mail once the account is officially closed, usually within a few business days.

Steps to close your account by phone

Call the Truist customer service number printed on the back of your debit card or on your most recent statement. Have your account number and a form of identification ready. Tell the representative you want to close the account and confirm that your balance is zero.

The representative will ask you to verify your identity, review any outstanding transactions, and confirm the closure. They may ask why you are closing the account, but you are not required to provide a reason. Once confirmed, the account will be marked for closure and you will receive a confirmation number. Write down this number for your records.

The account will typically close within three to five business days. During this time, do not attempt to use the debit card or make deposits. Any pending transactions may still post during the closure window, so check your account online or by calling back if you are concerned about a specific charge.

Closing your account in person at a branch

Visit any Truist branch with a valid government-issued ID and your debit card or account number. Tell a teller you want to close your account. They will verify your identity, review your account balance, and process the closure request.

If your account has a balance, the teller will offer to withdraw the funds as cash or issue a cashier's check. If you prefer to keep the money in the banking system, you can transfer it to another account at Truist or elsewhere before closing. Once the balance is zero, the teller will complete the closure paperwork and give you a receipt.

In-person closures are often processed the same day, though it may take a few business days for the account to fully close in Truist's system. You will still receive written confirmation in the mail.

What to do before you close

Check your account for any automatic payments or recurring charges set to draft from this account. Log into online banking or call customer service to review the last 60 days of transactions. Common recurring items include utility bills, subscription services, insurance premiums, and loan payments. Cancel or update the payment method for each one before closing the account.

If you receive direct deposit paychecks or government benefits into this account, contact your employer or the benefit administrator to redirect deposits to a new account. This usually takes one to two pay periods to take effect, so plan ahead if you are closing the account soon.

If you have a Truist credit card, mortgage, home equity line of credit, or auto loan, log into each product online or call the specific department to confirm the payment method. Update it to a different account or payment method before you close the checking or savings account. Failing to do this can result in missed payments and damage to your credit.

What happens to pending transactions

Transactions that have already posted will clear normally. Transactions that are still pending — such as a debit card charge that has not yet settled — may still post to the account after you request closure. This is why it is important to wait until your balance reaches zero and all transactions have cleared before closing.

If a charge posts after you close the account, Truist will typically return the funds to the merchant and the merchant will re-attempt the charge. Contact the merchant directly to update your payment method. If you believe a fraudulent charge posted after closure, contact Truist fraud services to dispute it.

Reopening a closed Truist account

If you close your account and then change your mind, you may be able to reopen it within a certain window. Contact Truist customer service as soon as possible — the sooner you call, the better your chances. Truist does not publish a specific timeframe for reopening, so ask the representative what options are available.

If too much time has passed or if Truist declines to reopen the account, you can open a new account. New accounts typically require an initial deposit, which varies by account type. You will receive a new account number and debit card.

Frequently Asked Questions

Do I have to close my account in person?

No. You can close by phone, which is usually faster, or in person at a branch. Online closure is not always available, so call or visit to confirm your options. Phone closure is typically the quickest method.

What if my account has a negative balance?

You must bring the account to zero or positive before Truist will close it. If you owe money due to overdraft fees or other charges, pay the balance first. Once paid, the account can be closed.

Will closing my account hurt my credit?

Closing a checking or savings account does not directly affect your credit score. However, if you close the account without updating payment methods for credit cards or loans, missed payments can damage your credit. Update all payment methods before closing.

How long does it take to close a Truist account?

The process usually takes three to five business days from the date you request closure. In-person closures at a branch may be processed the same day, but the account may take a few days to fully close in Truist's system. You will receive written confirmation once it is complete.

Can I close my account if I have a pending dispute or claim?

Contact Truist before closing if you have an open dispute, fraud claim, or pending investigation. Closing the account may complicate the process. Ask customer service whether you should wait until the matter is resolved before closing.