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Are you ready to say goodbye to your Truist account and streamline your finances? Closing a bank account might seem daunting, but with the right steps, it can be a smooth process. While Truist's mobile app is excellent for managing your accounts, directly closing an account through the app isn't typically an option for security reasons. However, the app can be a powerful tool to prepare for closure.
This comprehensive guide will walk you through the necessary steps, ensuring you're fully prepared to close your Truist account efficiently, even if the final step requires a quick call or visit.
Step 1: Get Prepared – Your Pre-Closure Checklist (Engage the User!)
Before you even think about hitting a "close account" button (which, as mentioned, isn't usually available in the app), we need to do some important prep work! Think of this as decluttering your financial life. Have you ever tried to move without packing anything first? It would be chaos, right? The same goes for closing a bank account.
Here's what you need to consider and prepare using your Truist app and other resources:
1.1 Empty Your Account – No Loose Ends!
- Transfer Funds Out: This is crucial! Before you initiate any closure, you need to move all funds out of the Truist account you wish to close.
- Using the Truist App: Log in to your Truist mobile app. Navigate to the "Transfers" or "Move Money" section. You can typically transfer funds to another Truist account, or to an external bank account via ACH transfer (which may take a few business days). Make sure you have the correct routing and account number for your destination account.
- Consider Zelle: If you need to send money to someone quickly, and they also use Zelle, you can use the Zelle feature within the Truist app to transfer funds.
- Bill Pay: If you have any pending bill payments scheduled from this account, cancel them immediately or ensure they are processed before you transfer the full balance.
- Withdraw Cash: For smaller amounts, you could withdraw the remaining balance at a Truist ATM or branch.
1.2 Update Automatic Payments and Direct Deposits – Avoid Disruptions!
- Identify All Recurring Transactions: This is perhaps the most critical pre-closure step. Think about everything linked to this account:
- Direct Deposits: Your paycheck, government benefits, etc.
- Automatic Bill Payments: Utilities, loan payments, subscriptions (Netflix, gym memberships, streaming services, etc.), insurance premiums, credit card payments.
- Linked Services: Any online shopping platforms, payment apps (like PayPal, Venmo, etc., if not already covered by Zelle).
- Action Plan:
- Log into your Truist app and review your transaction history for the last 6-12 months. This will help you identify all recurring ins and outs.
- Contact each service provider individually and update your payment information to your new bank account. Do this before closing your Truist account to prevent missed payments or disruptions.
- For direct deposits, contact your employer's HR or payroll department and provide them with your new bank account details.
1.3 Check for Outstanding Checks or Pending Transactions – No Surprises!
- Outstanding Checks: If you've written any checks that haven't cleared yet, ensure there are sufficient funds in the account for them to be processed. It's best to wait until all outstanding checks have cleared before attempting to close the account.
- Pending Transactions: Review your Truist app for any pending debit card transactions or other pending debits. These need to settle before the account can be truly closed.
1.4 Review Account Balances and Fees – Transparency is Key!
- Zero Balance is Best: While you can close an account with a small balance (the bank will typically issue you a check), it's generally easiest to have a zero balance when you initiate closure.
- Check for Fees: Review your Truist account disclosures (often accessible within the app or on their website) for any potential closure fees, especially if you opened the account recently. Some banks charge a fee if you close an account within a certain timeframe (e.g., 90-180 days of opening).
Step 2: Understanding Truist's Account Closure Process via the App (and Beyond)
As of now, Truist generally does not allow direct account closure through their mobile app. This is a common practice among banks for security and verification purposes. However, the app is a fantastic tool for the preparatory steps we just discussed!
So, while you can't click "Close Account" in the app, here are the primary methods Truist provides for account closure:
2.1 Method 1: The Phone Call (Most Common and Convenient)
- Truist Customer Service is Your Ally: This is often the most straightforward and recommended method. You can typically close your account over the phone once you've completed all the preparatory steps.
- Find the Number: Open your Truist app and look for the "Contact Us" or "Support" section. You'll find their general customer service number there. As of current information, the general customer service number for Truist is 844-4TRUIST (844-487-8478).
- Operating Hours: Be mindful of their operating hours. As of now, their phone lines are typically open Monday through Friday, 8 am to 8 pm ET, and Saturday, 8 am to 5 pm ET.
- What to Expect:
- You'll likely go through a verification process to confirm your identity.
- The representative will confirm your account balance (which should ideally be zero).
- They will guide you through any final steps and confirm the closure.
- Be sure to ask for a confirmation number or email confirming the closure.
2.2 Method 2: Visiting a Truist Branch (For In-Person Assistance)
- Personal Touch Option: If you prefer a face-to-face interaction or have a complex situation, visiting a physical branch is a good option.
- Find a Branch: Use the "Locations" or "ATM/Branch Locator" feature within your Truist app to find the nearest branch.
- Bring Necessary IDs: When you visit, bring a valid government-issued ID (driver's license, passport, etc.).
- What to Expect: A banking representative will assist you with the closure process, verify your identity, and ensure all steps are completed. They can also help with transferring any remaining funds.
2.3 Method 3: Sending a Written Request (Less Common, More Time-Consuming)
- For Specific Situations: While less common for basic checking/savings accounts, some individuals prefer to send a written request, especially for more complex accounts or if they are unable to use the other methods.
- Address: You would typically mail this to Truist's corporate address or a specific account services department. You'd need to confirm the correct address by calling customer service first.
- Include Key Information: Your written request should clearly state your intention to close the account, include your full name, account number(s), contact information, and your signature. You might also need to include a notarized signature for verification.
- This method is generally much slower than a phone call or branch visit.
Step 3: The Final Confirmation – Don't Skip This!
You've done the prep work, you've initiated the closure – now for the crucial final step!
3.1 Obtain Confirmation of Closure
- Crucial for Your Records: Whether you close your account over the phone or in person, always ask for written confirmation that your account has been successfully closed. This can be an email, a letter mailed to your address, or a printed receipt from a branch.
- Why it Matters: This documentation serves as proof in case of any future discrepancies or issues. Keep it with your important financial records.
3.2 Monitor Your New Account
- Ensure Smooth Transitions: For a few weeks after closing your Truist account, closely monitor your new bank account to ensure all direct deposits and automatic payments have successfully transitioned. This will catch any forgotten links and prevent late fees or service interruptions.
Step 4: What to Do with Your Truist Debit Card and Checks
Once your account is officially closed:
4.1 Destroy Your Debit Card
- Security First: Cut your Truist debit card into several pieces, making sure to cut through the chip and magnetic stripe, before disposing of it. This prevents unauthorized use.
4.2 Dispose of Unused Checks
- Safely Discard: Shred any unused checks associated with the closed account. Do not simply throw them away, as they contain sensitive account information.
By following these steps diligently, you can ensure a smooth and secure closure of your Truist account.
Frequently Asked Questions (FAQs)
How to check my Truist account balance before closing?
- You can easily check your Truist account balance by logging into the Truist mobile app or online banking, where your current balance will be displayed on the account summary page.
How to transfer money out of my Truist account on the app?
- In the Truist app, go to "Transfers" or "Move Money." You can initiate an internal transfer to another Truist account or an external transfer (ACH) to another bank account using its routing and account numbers.
How to find my Truist routing number in the app?
- Your Truist routing number can typically be found within the Truist mobile app by selecting your account and looking for account details, or on your checks. You can also find it on the Truist website.
How to stop recurring payments linked to my Truist account?
- You must contact each service provider individually (e.g., utility companies, subscription services) and update your payment method to your new bank account. This cannot be done directly through the Truist app for external services.
How to confirm all direct deposits have been switched from Truist?
- Check your new bank account's statements or online activity to confirm direct deposits are successfully posting there. You should also verify with your employer's payroll department.
How to get a confirmation of account closure from Truist?
- When you close your account via phone or in person, explicitly ask for written confirmation. This can be an email, a physical letter, or a printed receipt. Keep this for your records.
How to contact Truist customer service for account closure?
- You can call Truist customer service at 844-4TRUIST (844-487-8478). Their contact information is also available within the Truist mobile app under the "Contact Us" section.
How to find a Truist branch near me using the app?
- Use the "Locations" or "ATM/Branch Locator" feature within the Truist mobile app to find the nearest physical branch.
How to handle outstanding checks when closing a Truist account?
- Ensure there are sufficient funds in your Truist account for any outstanding checks to clear before you initiate closure. It's best to wait until all checks have been processed.
How to avoid fees when closing a Truist account?
- Review your account's disclosures or contact Truist customer service to understand any potential fees for early closure. Ensure your balance is zero or positive before closing.
