You can close a Truist account online through your digital banking portal, but the process depends on your account type and whether you have outstanding balances or linked services
Truist lets you close most checking and savings accounts through their online banking platform without visiting a branch. The steps are straightforward: log in to your account, navigate to the account settings or customer service section, and request closure. However, the actual timeline and what happens to your money varies based on whether you have a zero balance, pending transactions, or linked services like automatic bill pay or direct deposit.
Before you start, move any remaining funds to another account or request a check. Truist will not close an account with a negative balance, and they will not transfer money to an external account during closure. You also need to cancel any automatic payments, transfers, or direct deposits tied to that account—Truist will not do this for you, and missed payments can damage your credit or result in overdraft fees.
Key Takeaways
- Log into your Truist online banking account and look for account settings, customer service, or account management to find the closure option.
- Your account must have a zero balance before Truist will close it; withdraw or transfer any remaining funds first.
- Cancel all automatic payments, direct deposits, and linked services at least one week before requesting closure to avoid failed transactions.
- Closure typically takes five to seven business days after you submit the request, and Truist will send a confirmation letter to your mailing address.
- If you cannot close the account online, call Truist customer service at 1-800-872-2657 or visit a local branch to close it in person.
Steps to close your account through online banking
Log into your Truist online banking account using your username and password. Once logged in, look for a section labeled "Account Settings," "Manage Accounts," "Customer Service," or "Help & Support"—the exact label varies depending on whether you use Truist's website or mobile app.
Select the account you want to close from your account list. You should see options related to that account, which may include settings, preferences, or service requests. Look for a link or button that says "Close Account," "Request Closure," or "Close This Account." Click it and follow the prompts. Truist will ask you to confirm your request and may ask why you are closing the account—this is optional information.
After you submit the request, you will receive a confirmation number. Write it down or take a screenshot. Truist will send a confirmation letter to the address on file within five to seven business days. If you do not receive a letter within that timeframe, call Truist customer service to verify the closure was processed.
What to do with your money before closing
Withdraw all funds from the account or transfer them to another bank account in your name. You can use Truist's online transfer tool to move money to an external account, or you can withdraw cash at a Truist ATM or branch. Do not leave even small balances—Truist will not close an account with any outstanding balance, and the closure request will be rejected.
If you have pending deposits or checks that have not cleared, wait for them to post before requesting closure. Similarly, if you have pending withdrawals or transfers, let them complete first. Closing an account with pending transactions can cause those transactions to fail, which may result in overdraft fees or missed bill payments.
If you receive a refund or unexpected deposit after you request closure, contact Truist immediately. They may reverse the closure request, or they may return the deposit to the sender. Do not assume the money will reach you automatically.
Cancel automatic payments and direct deposits
Before you close the account, stop all automatic bill payments, recurring transfers, and direct deposits. Log into each service or company that pulls money from or deposits money into this account—your employer, your insurance company, your utility provider, your loan servicer, and any subscription services. Update your payment method or deposit account at each one.
This step is critical. If you close the account while automatic payments are still scheduled, those payments will fail. Failed payments can result in late fees, service interruptions, or damage to your credit score. Failed direct deposits mean your paycheck or benefits will not reach you.
Give yourself at least one week to update all automatic services before you request account closure. Some employers and government agencies take several days to process changes to direct deposit information.
What happens after you request closure
Truist processes account closures within five to seven business days of your request. During this time, the account remains open but inactive. You can still access it online, but you should not use it for new transactions. Any checks you wrote before closure may still clear during this window, so make sure you have sufficient funds if that happens.
Once the closure is complete, Truist will deactivate your debit card and online access. You will no longer be able to log in or use the account. If you need to access records or statements after closure, contact Truist customer service—they can provide copies of statements and transaction history for a set period after closure.
Truist will keep your account information on file for a certain period for regulatory and fraud-prevention purposes. This does not mean the account is still active; it means Truist retains records in case you need to dispute a transaction or if a check clears after closure.
If you cannot close the account online
Some account types—such as accounts with outstanding fees, accounts with fraud holds, or certain business accounts—cannot be closed through online banking. If the closure option does not appear in your account settings, or if you receive an error message when you try to submit the request, you will need to close the account by phone or in person.
Call Truist customer service at 1-800-872-2657. Have your account number and a form of identification ready. A representative will walk you through the closure process and can address any issues preventing online closure, such as outstanding fees or pending disputes.
Alternatively, visit a Truist branch in person with a photo ID and your account number. A banker can close the account immediately and provide a receipt. This is the fastest option if you need the account closed right away or if you have questions about your account status.
What to know about account closure and your credit
Closing a bank account does not directly affect your credit score. Bank accounts do not appear on your credit report, and closing one will not lower your score. However, if you close an account while you have outstanding fees or if a check bounces after closure, those issues could lead to collection activity that does affect your credit.
If you are closing the account because of a dispute or fraud, report it to Truist before closure. Truist can flag the account and may help you recover unauthorized transactions. Closing the account does not erase your dispute rights, but it can make the process slower if Truist has to investigate after the account is already closed.
Frequently Asked Questions
Can I close my Truist account if I have a negative balance?
No. Truist will not close an account with a negative balance or outstanding fees. You must bring the account to zero or pay off the negative balance first. If you owe money, contact Truist to arrange payment before requesting closure.
What happens to my debit card when I close my account?
Your debit card will be deactivated once the account closure is complete. You should destroy the card or contact Truist to request they deactivate it immediately if you are concerned about fraud. Any pending transactions on the card may still process if they were authorized before closure.
How long does it take to close a Truist account?
The closure process takes five to seven business days from the date you submit your request. You will receive a confirmation letter in the mail. If you need the account closed faster, visit a branch in person—a banker can close it the same day.
Can I reopen a Truist account after I close it?
Yes, you can open a new Truist account at any time. However, if your account was closed due to fraud, excessive overdrafts, or violation of Truist's terms, you may not be able to open a new account immediately. Contact Truist to ask about reopening an account if you were previously denied.
What if a check clears after I close my account?
If a check clears after your account is closed, Truist will honor it and deduct the funds from your account balance. This can result in a negative balance, which you will owe to Truist. To avoid this, make sure all outstanding checks have cleared before you request closure, or contact the check writer to cancel any checks you are not sure about.