Close your Truist account by phone, in person, or online depending on your account type
Truist lets you close most checking and savings accounts by calling their customer service line at 1-800-872-2657, visiting a branch in person, or using online banking if your account type supports it. The fastest route is usually a phone call — you'll confirm your identity, move any remaining balance, and the account closes within one to three business days. If you have a mortgage, investment account, or credit card with Truist, those close through different processes and may take longer.
Before you close, make sure any automatic payments or direct deposits tied to the account are moved to another bank. Truist will not automatically redirect them, and missed payments or lost deposits can damage your credit or leave you without income. You also need to know your current balance and decide whether to request a check, transfer the money electronically, or leave it with Truist temporarily.
Key Takeaways
- Call 1-800-872-2657 to close most Truist checking and savings accounts; the process takes five to ten minutes and the account closes in one to three business days.
- Move any automatic bill payments, direct deposits, or recurring transfers to another bank before you close, because Truist will not forward them automatically.
- Request your remaining balance as a check mailed to you, an electronic transfer to another bank, or a wire transfer — do not leave money sitting in a closed account.
- Investment accounts, mortgages, and credit cards close through separate departments and may require additional steps or documentation.
- If you have a negative balance or outstanding fees, Truist may hold the account open until those are resolved.
Close a checking or savings account by phone
Call Truist customer service at 1-800-872-2657 during business hours (usually 8 a.m. to 9 p.m. Eastern, Monday through Friday, and 9 a.m. to 5 p.m. Saturday). Have your account number and a form of ID ready. The representative will ask why you're closing — you don't have to give a detailed reason, but they may offer to keep the account open or waive fees if there's a specific problem.
Tell the representative you want to close the account and confirm your current balance. If there is money in the account, you can request it as a check mailed to your address on file, an ACH transfer to another bank account (you'll need to provide the routing and account number), or a wire transfer if you need the money faster. A check typically arrives in five to seven business days; an ACH transfer takes one to three business days; a wire transfer can arrive the same day or next business day but may carry a fee of $15 to $25.
After you choose how to receive your balance, the representative will confirm your mailing address or the receiving bank details, then close the account. You'll receive a confirmation number — write it down. The account will be marked closed in Truist's system within one business day, though it may take up to three days for the status to show in online banking.
Close an account in person at a Truist branch
Visit any Truist branch with a photo ID and your debit card or account number. Tell a teller you want to close the account. They will pull up your account, confirm your balance, and ask how you want to receive any remaining money. You can take a check on the spot, request an ACH transfer to another bank, or arrange a wire transfer. If you choose a check, the teller will print it immediately and you can cash it or deposit it elsewhere right away.
Closing in person is useful if you have questions about pending transactions, need to resolve a fee dispute before closing, or want to make sure the account is closed the same day. The teller will give you a receipt confirming the closure and the method used to return your balance.
Move automatic payments and direct deposits before closing
Any bill payments, subscription charges, or payroll deposits tied to your Truist account will fail after the account closes. Truist does not forward these automatically to a new bank — it is your responsibility to update them. Start this process at least one week before you plan to close the account.
Log into online banking and review your recent transactions to find recurring charges. For each one, go to the biller's website or call them directly to update your payment method. For payroll direct deposits, contact your employer's HR or payroll department and provide your new bank's routing number and account number. For government benefits (Social Security, unemployment, tax refunds), update your information through the relevant agency's website or by calling them.
After you've moved everything, wait at least two pay cycles to make sure deposits and payments are hitting the new account correctly. Only then close the Truist account. If you close too early and a payment bounces, you may face overdraft fees at your new bank and late fees from the biller.
What happens to your balance after you close
If you request a check or ACH transfer, Truist sends it within the timeframe you chose. If you request a wire transfer, the money leaves Truist's system the same day or next business day. Once the money leaves Truist, the account is closed and you cannot reopen it — you would have to open a new account if you wanted to bank with Truist again.
If you leave money in the account without requesting a payout, Truist will hold it indefinitely, but you cannot access it through online banking or a debit card. To retrieve it later, you would have to call customer service and request a check or transfer. This is not recommended because it complicates your finances and you may forget about the money.
If your account has a negative balance (you owe Truist money due to overdrafts or fees), Truist will not close the account until the balance is paid. You can pay it by phone, in person, or through online banking before closing, or you can ask the representative to deduct the amount owed from your remaining balance if you have one.
Close investment accounts, mortgages, and credit cards
These products close through different departments and processes. For a Truist investment or brokerage account, contact Truist Wealth at 1-800-872-2657 or visit a branch. You'll need to liquidate any holdings (sell stocks, mutual funds, or bonds) and request the proceeds be sent to you or transferred to another brokerage. This can take five to ten business days depending on the type of investment.
For a Truist mortgage, you cannot simply close it — you must pay off the loan in full. Contact your loan servicer (usually Truist Mortgage) to request a payoff quote, which shows the exact amount owed including interest through your payoff date. You can pay it with a check, wire transfer, or by refinancing with another lender. Once paid, Truist will release the lien on your property and send you a satisfaction of mortgage document.
For a Truist credit card, call the number on the back of your card or 1-800-872-2657. Pay any outstanding balance in full, then request the account be closed. The card issuer will confirm closure and you'll receive written confirmation by mail. Closing a credit card can lower your credit score slightly because it reduces your total available credit, so consider this before closing if you're planning to apply for credit soon.
What to do if you cannot close your account
If Truist refuses to close your account, the most common reason is an outstanding balance or pending transactions. Ask the representative specifically what is blocking closure and when it will be resolved. Pending deposits or withdrawals typically clear within one to three business days. If there is a fee dispute, ask to speak with a supervisor or request that the fee be waived so you can close.
If you believe Truist is wrongfully refusing to close your account, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or call 1-855-411-2372. The CFPB investigates complaints against banks and can require them to respond. You can also contact your state's banking regulator — for most states this is the state attorney general's office.
Frequently Asked Questions
Can I close my Truist account if I have a negative balance?
No, Truist will not close the account until the negative balance is paid. You can pay it by phone, online, or in person before closing, or ask the representative to deduct the amount owed from any remaining positive balance you have in another account.
How long does it take for a closed Truist account to stop showing up in online banking?
The account will be marked closed within one business day, but it may remain visible in your online banking history for up to 90 days. This is normal and does not mean the account is still active. You cannot make transactions on it once it is closed.
What if I close my account and then realize I need to reopen it?
You can open a new Truist account, but it will have a different account number. The old account cannot be reopened. If you closed it recently and need access to old statements or transaction history, call customer service at 1-800-872-2657 and they can provide copies even after closure.
Do I need to close my Truist debit card separately from my account?
No, closing the account automatically deactivates the debit card. You can also destroy the card yourself after closure. If you want to close the card before closing the account, call the number on the back of the card.
Will closing my Truist account hurt my credit score?
Closing a checking or savings account does not affect your credit score because these accounts are not reported to credit bureaus. Closing a Truist credit card may lower your score slightly because it reduces your available credit, but the impact is usually small and temporary.