You can close most Truist accounts online through your account settings, but some account types require a phone call or branch visit

Truist lets you close checking and savings accounts through their online banking platform without leaving home. You log in, find the account closure option in settings, and confirm the request. The process takes a few minutes, though the actual closure may take a few business days to complete.

Not every account type can be closed online. If you have a credit card, investment account, or certain specialty products, you will need to call Truist customer service or visit a branch in person. Before you start the closure process, make sure your account balance is zero — you cannot close an account with money still in it, and you will need to handle any outstanding checks or pending transactions first.

Key Takeaways

  • Checking and savings accounts can be closed online through Truist's website or mobile app by accessing your account settings.
  • Your account balance must be zero before closure, so withdraw or transfer any remaining funds first.
  • Credit cards, investment accounts, and some specialty accounts require a phone call to 1-800-872-2657 or a visit to your local branch.
  • After you request closure online, allow three to five business days for the account to fully close.
  • Keep records of the closure confirmation for your files in case you need proof later.

Steps to close your account through online banking

Start by logging into your Truist online banking account on their website or through the mobile app. Navigate to your account settings — this is usually found in a menu labeled "Settings," "Account," or a gear icon, depending on which platform you are using. Look for an option that says "Close Account" or "Account Closure."

Select the specific account you want to close from your list of accounts. Truist will show you a confirmation screen that explains what happens when you close the account and may ask you to confirm that your balance is zero. Read through any warnings or information they provide, then confirm your request. You should receive a confirmation number or message — save this for your records.

The account will not close when ready. Truist typically processes account closures within three to five business days. During this time, any pending transactions may still post, so check your account a few days after you request closure to make sure everything has cleared.

What to do before closing your account

Before you start the closure process, make sure you have moved or withdrawn all your money. If your account has a balance, Truist will not let you close it. Transfer funds to another bank account you control, or withdraw the money in cash at a Truist branch or ATM.

Check for any pending transactions or automatic payments linked to the account. If you have set up direct deposit, automatic bill payments, or recurring transfers, those will fail once the account closes. Update those payments with your new account information at least a week before you close the account, or contact the companies involved to let them know the account is closing.

If you have checks linked to the account, make sure all checks have cleared before you close it. Any checks you wrote that have not yet been cashed could bounce after the account closes, which may result in fees for you and the person who received the check.

Account types that require a phone call or branch visit

Truist credit cards cannot be closed online through the banking platform. You will need to call the credit card customer service line, which is usually printed on the back of your card, or call Truist's main customer service number at 1-800-872-2657. Have your card number ready when you call.

Investment accounts, brokerage accounts, and retirement accounts like IRAs also require a phone call or in-person visit. These accounts have different rules and tax implications, so Truist requires a representative to walk through the closure with you. Money market accounts and certificates of deposit (CDs) may also fall into this category depending on your specific product.

If you are unsure whether your account type can be closed online, log into your account and look for the closure option. If it is not available, you will need to call or visit a branch. Truist branches are located throughout the Southeast and Mid-Atlantic regions, and you can find your nearest location on their website.

What happens after your account closes

Once your account is fully closed, you will no longer be able to access it through online banking or at ATMs. Any debit card linked to that account will stop working. If you had overdraft protection or linked accounts, those connections will be severed.

Truist will send you a final statement showing the account closure. Keep this statement for your records. If you ever need to prove that the account is closed — for example, if a company tries to charge the account after closure — you will have documentation.

If you closed the account because of a problem or dispute, keep records of your complaint and the closure confirmation. If you closed it straightforward because you no longer need it, there is nothing else you need to do.

If you want to reopen the account later

If you close your account and then change your mind, you may be able to reopen it within a certain timeframe. Truist's policy on reopening closed accounts varies, so call customer service at 1-800-872-2657 to ask whether your account can be reopened and whether there are any fees or waiting periods involved.

If too much time has passed or Truist will not reopen the account, you can open a new account. The process is straightforward and can be done online or at a branch. You will need a government-issued ID, proof of address, and your Social Security number.

Frequently Asked Questions

Do I lose my debit card when I close my account?

Yes. Once the account closes, your debit card will no longer work. If you want to keep using a debit card, open a new account before you close the old one, and request a new card for the new account. You can then close the old account once the new card arrives.

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

You cannot close an account with a negative balance. You will need to deposit money to bring the balance to zero first. If the negative balance is from an overdraft fee, contact Truist customer service to discuss whether they can waive or reduce the fee before you make the deposit.

Will closing my account affect my credit score?

Closing a checking or savings account does not affect your credit score because these accounts are not reported to credit bureaus. However, closing a credit card can affect your score because it reduces your available credit. If you are closing a Truist credit card, call the credit card line before you close it to discuss any impact.

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

Most Truist checking and savings accounts close within three to five business days after you request closure online. During this time, any pending transactions may still process. If your account does not close within a week, contact customer service to check the status.

Can I close my account if I have pending direct deposits?

You can request closure, but it is better to wait until pending deposits have posted and you have transferred the money elsewhere. If a direct deposit arrives after the account closes, it may be returned to the sender, and you could lose access to that money. Update your direct deposit information with your employer or the paying organization before you close the account.