Truist SkyMiles Checking Bonus [AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC]

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Offer at a glance

  • Maximum bonus amount: 25,000 SkyMiles
  • Availability: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Yes
  • Credit card funding: None
  • Monthly fees: $12, avoidable
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: June 30, 2022

The Offer

Direct link to offer

  • Truist is offering a bonus of 25,000 Delta SkyMiles when you open a Dimension Checking account and a Delta SkyMiles® Debit Card. Bonus is broken down as follows:
    • Earn 5,000 bonus miles after your first qualifying purchase
    • Earn 20k miles after the account has been opened for 60 days and has a positive balance.

The Fine Print

  • Open a new Truist Dimension account and a Delta SkyMiles® Debit Card online from 05/19/22 through 6/30/22. Primary account holder must be 18 or older at the time of account opening. Offer available online only to U.S. residents with a U.S. valid US taxpayer identification number. The qualifying checking account must have a mailing address in the following states: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH,PA, SC, TN, TX, VA, WV or DC. Truist employees are not eligible.

     

  • 5,000 bonus points will be awarded after the first signature or pin-based purchase within 90 days on Delta SkyMiles® Debit Card.
  • 20,000 bonus points will be awarded after the new associated Truist Dimension account is open for 60 days AND has a positive balance greater than zero on the review date.

     

  • Bonus points will be reviewed and applied within 5 weeks of verifying the qualification requirements. Promotion is only applicable once per account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

There is a $95 annual fee

Early Account Termination Fee

I didn’t see any mention of the EATF in the fee schedule.

Our Verdict

The $95 annual fee kills the deal for most people, there is a $300 checking bonus and has been a $500 bonus in the past as well. I’d personally wait for a bigger offer to return.

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