Your Truist routing number depends on which state your account is in and what type of transaction you're making

Truist does not use a single routing number for all accounts. The number you need depends on where your branch is located and whether you're setting up a direct deposit, wire transfer, or ACH payment. Truist inherited multiple routing numbers when it formed from the merger of BB&T and SunTrust in 2019, and those numbers remain active by state.

The most common routing numbers are 061000104 for most Truist accounts and 061000105 for some regions, but you should verify the correct one for your specific account before you submit it to an employer, creditor, or payment processor. Using the wrong routing number will delay or reject your transaction.

Key Takeaways

  • Truist routing numbers vary by state and account type, so you cannot assume one number works for all your transactions.
  • Your account statement, online banking portal, and Truist customer service can all confirm your correct routing number in under five minutes.
  • Wire transfers and ACH payments may require different routing numbers than direct deposits, so ask which one applies to your specific transaction.
  • If you enter the wrong routing number, the transaction will fail or be delayed, but the money will not be lost — it will return to your account or be held pending correction.

Where to find your routing number on your account statement

The fastest way to locate your routing number is to look at the bottom left corner of any check from your Truist checking account. The first nine digits printed there are your routing number. If you do not have checks or prefer not to write one, pull up your most recent account statement — paper or digital — and look for the routing number in the account information section, usually near your account number.

If you cannot find it on your statement, log into your Truist online banking account and navigate to Account Details or Account Information. Most banks display the routing number alongside your account number in this section. The number will be nine digits long and will start with 061 if you are a Truist customer.

Common Truist routing numbers by region

Truist operates under several routing numbers depending on your account location. The two most widely used are 061000104 and 061000105. Some older SunTrust accounts may still use 067000007, and some BB&T accounts may use 055003308. However, Truist has been consolidating these numbers, so your account may have been assigned a newer routing number even if you opened it under the old bank name.

Do not assume your routing number based on your state alone. Call Truist customer service at 1-800-872-2657 or use your online banking portal to confirm which routing number is assigned to your specific account. This takes two minutes and prevents failed transactions.

Routing numbers for wire transfers versus ACH payments

Most Truist accounts use the same routing number for both wire transfers and ACH payments (direct deposits, bill payments, peer transfers). However, some financial institutions and payment processors may request a different routing number depending on the transaction type. Before you submit your routing number, ask the receiving institution or payment processor whether they need the ACH routing number or the wire routing number — they will tell you if they are different.

If you are setting up a direct deposit with your employer, use the routing number from your account statement or online banking. If you are sending a wire transfer, confirm with your bank that the routing number has not changed. Truist's wire routing number is the same as the ACH routing number for most accounts, but it is worth a five-second confirmation call to avoid delays.

What happens if you use the wrong routing number

If you enter an incorrect routing number, the transaction will either fail immediately or be rejected by the receiving bank. You will not lose the money — it will either stay in your account or be returned to the sender within one to three business days. The transaction simply will not go through.

If your employer or a creditor has already submitted a payment with the wrong routing number, contact Truist customer service right away. Provide them with the transaction details, and they can help trace the payment and request a return. In the meantime, contact the sender and provide them with your correct routing number so they can resubmit. Do not wait for the payment to return on its own if you need the money urgently.

How to verify your routing number before submitting it

Before you give your routing number to an employer, lender, or payment processor, verify it one more time using your account statement or online banking. Write down the nine-digit number and read it aloud to yourself to catch any typos. If you are submitting it online, copy and paste it directly from your bank's website rather than typing it by hand — this eliminates transcription errors.

If you are uncertain whether the number you have is current, call Truist at 1-800-872-2657 and confirm with a representative. They can also tell you whether the routing number applies to the specific type of transaction you are about to make. This five-minute step prevents delays and rejected payments.

Frequently Asked Questions

Can I use the same routing number for direct deposit and bill payments?

Yes, in most cases. Truist uses the same routing number for both ACH transactions (which include direct deposits and bill payments) and wire transfers. However, confirm with your employer or biller that they do not require a different routing number for their specific system.

What if I have multiple Truist accounts?

Each account has its own routing number, though they are usually the same if both accounts are at the same branch. Check your statement for each account to be certain, or log into your online banking and view the account details for each one separately.

Is the routing number the same as the account number?

No. Your routing number identifies your bank and branch (nine digits). Your account number identifies your specific account at that bank (usually 10 to 12 digits). You need both for direct deposits and wire transfers.

Do I need a different routing number if I moved to a different state?

Not necessarily. Your routing number is tied to the branch where you opened your account, not your current address. If you moved but kept the same account, your routing number stays the same. Check your current statement to confirm.

Where do I find the routing number if I bank online only?

Log into your Truist online banking account and go to Account Details or Account Information. Your routing number will be displayed there. You can also call Truist customer service at 1-800-872-2657 and they will provide it over the phone.