You can close a Truist account by phone, in person, or online, but the method depends on your account type and whether you have outstanding balances

Closing a Truist account takes between a few minutes and several business days, depending on how you do it. The fastest route is usually a phone call to customer service, where a representative can walk you through the process and answer questions about what happens to your remaining balance. If you prefer to do it in person, you can visit any Truist branch with a valid ID. Online closure is available for some account types through your Truist login, though not all accounts can be closed this way.

Before you close, make sure any automatic payments or direct deposits tied to the account are moved to another bank account. If you have a negative balance or outstanding fees, Truist will not close the account until those are resolved. If you're closing because of a problem with the bank or a dispute, document what happened and keep records of your communications — this matters if you need to file a complaint later.

Key Takeaways

  • Call Truist customer service at 1-800-872-2657 to close most accounts; this is the fastest method and works for checking, savings, and money market accounts.
  • You must have a zero or positive balance before closure; if you owe money or have unpaid fees, the bank will not process the closure until you pay.
  • Move any automatic payments, direct deposits, or scheduled transfers to another account before you close, or they will fail after closure.
  • If you close in person at a branch, bring a valid government ID and ask for written confirmation of the closure.
  • Keep your account number and closure confirmation for your records in case disputes or unexpected charges appear later.

Closing by phone is the most straightforward method

Call Truist customer service at 1-800-872-2657 and tell the representative you want to close your account. Have your account number ready, and be prepared to answer security questions to verify your identity. The representative will confirm your account balance, ask why you're closing (this is optional to answer), and walk you through the next steps.

If your account has a positive balance, the bank will ask how you want the money sent to you. You can request a check mailed to your address, or if you have another bank account, you can provide those details and Truist can transfer the funds electronically. Electronic transfers usually arrive within one to three business days; checks take longer depending on mail delivery. If your account has a negative balance or unpaid fees, the representative will tell you the amount owed and how to pay it before closure can proceed.

After you hang up, Truist will send you written confirmation of the closure by mail within a few business days. Keep this confirmation. The account will close within one to five business days after your call, depending on whether there are pending transactions or holds on the account.

Closing in person at a Truist branch

Visit any Truist branch during business hours with a valid government ID (driver's license, passport, or state ID). Tell the teller or banker you want to close your account and provide your account number. They will pull up your account, confirm your balance, and ask the same questions as a phone representative would.

In-person closure has one advantage: you can walk out with a check for your remaining balance the same day, rather than waiting for mail or a transfer. Ask the teller to print a written closure confirmation before you leave. Write down the date, time, teller name, and confirmation number on your copy. If the teller says the account cannot be closed that day (because of a hold or pending transaction), ask when you can return or whether you can complete the closure by phone instead.

Online closure through your Truist account

Some Truist accounts can be closed through online banking. Log into your Truist account, look for account settings or account management, and search for a "close account" or "account closure" option. Not all account types support online closure — if you don't see the option, you'll need to use the phone or in-person method instead.

Online closure usually requires you to confirm your identity and review your account balance before final submission. After you submit the request, Truist will send you a confirmation email and follow up with written confirmation by mail. The closure timeline is the same as phone closure: one to five business days.

What to do with your remaining balance

If your account has money in it when you close, you must tell Truist where to send it. Your options are a mailed check or an electronic transfer to another bank account. If you choose a check, provide your current mailing address and allow one to two weeks for delivery. If you choose an electronic transfer, have your new bank's routing number and your account number ready — the representative will enter this information and the transfer will process within one to three business days.

If you don't specify where the money should go, Truist will mail a check to the address on file. If that address is outdated or you move before the check arrives, you'll need to contact Truist to request a replacement or have the funds transferred. Keep your closure confirmation so you can reference your account number if you need to follow up.

Handling automatic payments and direct deposits before closure

Before you close your account, log into any services that send money to or take money from that Truist account. This includes your employer's payroll system, bill payment services, subscription services, insurance payments, and any other automatic transfers. Update each one with your new bank account information or cancel the service if you no longer need it.

If you close the account while automatic payments are still set up, those payments will fail and you may incur late fees from the companies you owe money to. Your employer's direct deposit will also fail, and you may miss a paycheck until you update your banking information with them. Give yourself at least one full pay cycle to make these changes before you close the account.

What happens if your account has a negative balance or unpaid fees

Truist will not close an account that has a negative balance or outstanding fees. If you owe money, the representative will tell you the exact amount and your options for payment. You can pay over the phone by debit card or from another bank account, pay in person at a branch, or pay online through your Truist account if that option is available.

Once you've paid what you owe, the account balance will be zero and closure can proceed. If you dispute a fee or charge, tell the representative before you pay — they can explain why the fee was assessed and may be able to reverse it if there was an error. If you believe the fee is unfair, you can ask to speak with a manager or file a complaint with the Consumer Financial Protection Bureau after closure.

Keeping records after closure

Save your closure confirmation letter, your final account statement, and any correspondence about the closure. If you received a check for your remaining balance, keep the cancelled check or bank statement showing the deposit into your new account. If you requested an electronic transfer, keep the confirmation email and the bank statement from your new bank showing the deposit arrived.

These records protect you if a charge appears on the closed account later or if there's a dispute about whether the closure was completed. Truist may contact you about outstanding checks or other issues after closure, and having documentation of the closure date makes it easier to resolve those problems. Keep these records for at least one year.

Frequently Asked Questions

Can I reopen a Truist account after I close it?

Yes, you can open a new Truist account at any time. However, if you closed the account because of a problem with the bank or because you were unhappy with the service, opening a new account won't change those underlying issues. If you closed because of fees or poor customer service, consider whether those problems will persist before you reopen.

What if I closed my account and then a check I wrote bounces?

Checks can take weeks to clear, so it's possible a check you wrote will arrive at Truist after you've closed the account. When this happens, the check will bounce and the recipient may charge you a returned check fee. Contact Truist when ready with the check number and amount — they may be able to help you resolve it, though they're not required to process checks on a closed account. Pay the recipient directly to avoid further fees.

Do I need to close my account in person, or can I do it by phone?

Phone closure is just as official as in-person closure. You don't need to visit a branch unless you want to receive your remaining balance as a check the same day. Phone closure is faster and you'll receive written confirmation by mail, which is all you need for your records.

What if Truist says my account can't be closed right now?

This usually means there's a hold on the account, a pending transaction, or an outstanding balance. Ask the representative what's blocking closure and when it will be resolved. If there's a hold, ask why and how long it will last. If there's a pending transaction, ask when it will clear. Once the issue is resolved, you can call back to complete the closure.

Will closing my Truist account hurt my credit score?

Closing a checking or savings account does not affect your credit score. Credit scores are based on credit accounts like credit cards, loans, and lines of credit — not deposit accounts. You can close a Truist checking or savings account without any impact on your credit.