So, you're looking to close your Truist account, and you're hoping to do it conveniently through the app? That's a great goal for managing your finances from your fingertips! However, it's important to know upfront that directly closing a Truist account solely through the mobile app isn't typically an available feature. Most banks, including Truist, usually require a more formal process for account closure to ensure security and prevent fraud, often involving a phone call or an in-person visit.
But don't worry! This comprehensive guide will walk you through the necessary steps to successfully close your Truist account, even if the app isn't the final step. We'll focus on preparing your account using the app and then detail the definitive ways to complete the closure.
Understanding Truist Account Closure
Closing a bank account involves more than just hitting a "delete" button. There are important considerations to ensure a smooth transition and avoid any unexpected fees or issues.
Why Can't I Directly Close My Truist Account on the App?
Banks, including Truist, implement stringent security protocols for account closures. This is to protect both you and the institution from potential fraud or unauthorized activity. Features like checking balances, transferring funds, and setting alerts are readily available in the app for daily convenience, but a permanent action like closing an account often requires a higher level of verification and confirmation.
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| How To Close Truist Account On App |
Step 1: Get Your Account Ready (Using the Truist App!)
Are you ready to take control of your banking? Even though you can't initiate the final closure in the app, the Truist mobile app is your best friend for preparing your account. This crucial preparatory phase will make the actual closure process much smoother.
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Sub-heading 1.1: Zero Out Your Balance
This is the most critical first step! You cannot close an account with a positive or negative balance.
- Option A: Transfer Funds Out (Recommended for positive balances)
- Inside the Truist App:
- Log in to your Truist Mobile App.
- Navigate to the "Transfers" or "Move Money" section.
- Select the Truist account you wish to close as the source account.
- Choose a destination account. This could be another Truist account you own, or an external bank account you've already linked.
- If you haven't linked an external account yet, you'll need to do that first. This usually involves providing routing and account numbers and verifying small deposits (micro-deposits) to confirm ownership. This can take a few business days.
- Enter the full balance of the account you intend to close.
- Double-check all details before confirming the transfer.
- Keep a record of the transfer confirmation for your records.
- Inside the Truist App:
- Option B: Withdraw Cash (For small balances or immediate needs)
- Truist ATM: Use your debit card associated with the account to withdraw the remaining balance at a Truist ATM. Be mindful of daily withdrawal limits.
- Truist Branch: Visit a Truist branch and withdraw the full balance. This is often the quickest way to get cash for a small balance.
- Option C: Address Negative Balances
- If your account has a negative balance (due to fees, overdrafts, etc.), you must deposit enough funds to bring the balance to zero or positive before Truist will allow you to close it. You can do this via mobile deposit (if the amount is small and within limits), internal transfer from another Truist account, or by visiting a branch.
Sub-heading 1.2: Cancel Automatic Payments and Direct Deposits
This step is vital to avoid future complications! Any recurring transactions linked to the account you're closing will fail once the account is shut down, potentially leading to missed payments or returned direct deposits.
- Inside the Truist App (for payments you initiated):
- Bill Pay:
- Log in to the Truist App.
- Go to "Bill Pay" or "Payments."
- Carefully review all scheduled and recurring payments linked to the account you want to close.
- Cancel or modify these payments, redirecting them to your new account (if applicable).
- Transfers:
- Check for any recurring transfers you set up within the Truist app (e.g., transfers to savings accounts, investment accounts).
- Cancel these recurring transfers.
- Bill Pay:
- External Services (for direct deposits and automatic withdrawals from merchants):
- Direct Deposits: Contact your employer, government agency (for benefits like Social Security), or any other source of direct deposits. Provide them with your new bank account information.
- Automatic Withdrawals (Subscriptions, Utilities, Loans, etc.):
- Review your past statements in the Truist app (under "Statements" or "Documents") to identify all companies that automatically debit your account.
- Contact each company individually (e.g., utility providers, streaming services, loan providers, insurance companies, credit card companies) and update your payment method to your new bank account.
- It's a good idea to update these well in advance of your desired closure date to ensure no payments are missed.
Sub-heading 1.3: Download and Save Account Statements
For your records and future reference, it's wise to keep digital copies of your account history.
- Inside the Truist App:
- Log in to the Truist Mobile App.
- Go to "Accounts" and select the account you're closing.
- Look for a section like "Statements," "Documents," or "E-Statements."
- Download or save PDF copies of your past statements, typically for the last 1-2 years, or as far back as you need for tax or personal records.
- Store these securely on your computer or cloud storage.
Step 2: Choosing Your Closure Method (Beyond the App)
Since direct app closure isn't an option, you'll need to use one of these reliable methods.
QuickTip: Focus on one line if it feels important.
Sub-heading 2.1: Calling Truist Customer Service (Most Common Method)
This is often the most convenient and widely used method for closing a bank account if an in-person visit isn't feasible.
- Gather Your Information:
- Your Truist account number(s) for the account(s) you wish to close.
- Your Social Security Number (SSN) or Taxpayer Identification Number (TIN).
- Your full name and address as registered with Truist.
- Your online banking User ID and password (if you use them to verify your identity).
- Any other identification details they might request.
- Dial the General Customer Service Line:
- Call Truist Customer Service at 1-844-4TRUIST (1-844-487-8478).
- Operating hours are typically Monday-Friday, 8 AM to 8 PM ET, and Saturday, 8 AM to 5 PM ET. Automated assistance is available 24/7.
- Navigate the Automated System:
- Listen carefully to the prompts. You'll likely need to select options related to "Account Services" or "Closing an Account." You may have to go through a few levels of menus before reaching a live representative.
- Be prepared for a waiting period, especially during peak hours.
- Speak to a Representative:
- Clearly state that you wish to close your Truist account(s).
- They will ask for your personal information to verify your identity.
- The representative will confirm that your balance is zero and that there are no pending transactions or outstanding issues.
- They may ask for your reason for closing the account; you are not obligated to provide a detailed explanation, a simple "personal reasons" is sufficient.
- Confirm how any remaining funds (if a small residual amount was left) will be disbursed – typically by mailed check to your address on file.
- Request Confirmation:
- Always ask for a confirmation number or a written confirmation of the account closure to be mailed or emailed to you. This is crucial for your records.
- Note down the date, time, and the name of the representative you spoke with.
Sub-heading 2.2: Visiting a Truist Branch In-Person (Fastest & Most Secure)
If you prefer face-to-face interaction or have complex issues, visiting a branch is a solid option.
- Locate Your Nearest Branch:
- Use the Truist mobile app's "Locations" or "Find a Branch" feature.
- Alternatively, visit the Truist website and use their branch locator.
- Gather Necessary Documents:
- Bring valid government-issued photo identification (e.g., driver's license, passport).
- Your Truist debit card (if applicable).
- Your Truist account number(s).
- If you have checks associated with the account, bring them with you as the bank may require you to surrender them.
- Speak to a Teller or Bank Representative:
- Inform them you wish to close your account(s).
- They will verify your identity and confirm the account balance is zero.
- Any remaining small balance can often be cashed out immediately.
- They will guide you through any necessary paperwork.
- Obtain Written Confirmation:
- Insist on receiving a written confirmation that your account has been closed. This might be a printout or a stamped form.
- Keep this document safely with your other financial records.
Sub-heading 2.3: Sending a Written Request (Least Recommended)
While generally an option for many banks, this is often the slowest and least secure method for account closure. It's typically reserved for situations where other methods are not possible.
- Draft a Formal Letter:
- Include your full name, current address, phone number, and email address.
- Clearly state your intent to close your Truist account(s).
- Provide the full account number(s) for each account you wish to close.
- Specify how you wish to receive any remaining funds (e.g., check mailed to your address on file).
- Sign the letter.
- Include a Copy of Your ID:
- To aid in identity verification, include a photocopy (not original) of a valid government-issued photo ID.
- Mail to Truist:
- Send the letter via certified mail with a return receipt requested to Truist's corporate address or the address for account services (you may need to call customer service to get the correct address for account closure requests). This provides proof of delivery.
- Expect a significant delay in processing compared to phone or in-person methods.
Step 3: Post-Closure Actions and Monitoring
You're almost done! Even after initiating the closure, a few final steps will ensure everything is wrapped up properly.
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Sub-heading 3.1: Monitor for Final Confirmation
- Email/Mail: Keep an eye on your email inbox and physical mailbox for the official confirmation letter from Truist stating your account has been successfully closed. This may take a few business days to a couple of weeks depending on the method of closure.
- Truist App (Limited Access): While the account will be closed, you might still see it listed in your online banking for a period, potentially marked as "closed" or "inactive." Eventually, it should disappear from your active account list. If you still see it active after a reasonable period (e.g., 2-3 weeks after receiving confirmation), contact Truist.
Sub-heading 3.2: Verify No Remaining Transactions
- It's a good practice to monitor your new account for a few weeks to ensure all direct deposits and automatic withdrawals have successfully rerouted to the correct place.
Sub-heading 3.3: Shred Old Documents and Cards
- Once you've received confirmation and are sure the account is fully closed, securely shred your old Truist debit card, checks, and any physical account statements to prevent identity theft.
Important Considerations Before Closing Your Account
- Early Closure Fees: Some banks, including Truist, may charge an "early account closure fee" if you close an account within a specific timeframe (e.g., 90 to 180 days) of opening it. Check your Truist account agreement or inquire with customer service about any such fees.
- Linked Accounts: If the account you're closing is linked to other Truist accounts for overdraft protection or other services, make sure to update these links or close those accounts as well, if desired.
- Joint Accounts: If it's a joint account, all account holders may need to consent to the closure. Truist will likely require verification from all parties.
- Outstanding Checks/Transactions: Ensure all checks you've written have cleared and all pending transactions (debit card purchases, etc.) have posted before you attempt to close the account. A pending transaction can prevent closure.
10 Related FAQ Questions
Here are some common questions you might have about closing a Truist account:
How to check if my Truist account has an early closure fee?
You can check your original Truist account agreement documents, or simply call Truist customer service at 1-844-4TRUIST (1-844-487-8478) and ask a representative.
How to transfer all my funds out of Truist if I don't have another Truist account?
You can link an external bank account within the Truist app (usually takes a few business days to verify micro-deposits) or perform a wire transfer (fees may apply) or simply withdraw the cash at a Truist branch or ATM.
How to find my Truist account number on the app?
Log into the Truist app, select the account you wish to view, and then look for "Account Details" or "View Account Information." Your full account number should be displayed there.
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How to find my Truist routing number on the app?
Similar to finding your account number, log into the Truist app, select your account, and look under "Account Details." The routing number will typically be listed alongside your account number.
How to cancel automatic bill payments set up through Truist Bill Pay?
In the Truist app, navigate to the "Bill Pay" or "Payments" section. You should be able to view and cancel or modify scheduled and recurring payments from there.
How to ensure all my direct deposits are redirected before closing my Truist account?
Contact your employer, benefits provider, or any other source of direct deposits directly and provide them with your new bank account's routing and account numbers. Request confirmation that the change has been processed.
How to get a written confirmation of account closure from Truist?
When you speak to a Truist representative (either by phone or in person) to close your account, specifically request that a written confirmation be mailed or emailed to you. Note down the representative's name and a reference number if provided.
How to deal with a negative balance when closing a Truist account?
You must deposit funds to cover the negative balance before Truist will allow you to close the account. You can do this via mobile deposit, internal transfer, or an in-person deposit at a branch.
How to handle joint Truist accounts for closure?
For joint accounts, it's generally required that all account holders provide consent for closure. It's best for all account holders to be present if closing in person, or to be on the phone call if closing by phone.
How to find a nearby Truist branch using the app?
The Truist mobile app has a "Locations" or "Find a Branch/ATM" feature. Tap on this to use your device's location services to find the closest Truist branches and ATMs.
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