Truist operates branches across 17 states, with the largest concentration in the Southeast

Truist Bank has physical locations in Alabama, Arkansas, Delaware, Florida, Georgia, Kentucky, Maryland, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Tennessee, and Virginia. The bank does not have branches in every state, and coverage within each state varies — some states have dozens of locations while others have only a handful.

The bank's headquarters is in Charlotte, North Carolina. Most of Truist's branch network is concentrated in the Carolinas, Georgia, and Florida, which reflects the footprint of the two banks that merged to form Truist in 2019: BB&T (Branch Banking and Trust Company) and SunTrust Banks.

If you live outside these 17 states, you can still use Truist's online banking platform and mobile app to manage accounts, transfer money, and pay bills. You can also use Truist ATMs in your state if the bank has any locations nearby, or use the Allpoint ATM network, which Truist customers can access without a fee at over 55,000 ATMs worldwide.

Key Takeaways

  • Truist has physical branches in 17 states, mostly in the Southeast, with the heaviest presence in North Carolina, South Carolina, Georgia, and Florida.
  • The bank's headquarters is located in Charlotte, North Carolina, where major decisions and customer service operations are based.
  • Customers outside Truist's branch footprint can use online banking, mobile apps, and the Allpoint ATM network to access their accounts without visiting a physical location.
  • You can find the exact address and hours of any Truist branch by using the bank's branch locator tool on its website or by calling customer service.

How to find a Truist branch near you

Truist's website includes a branch locator tool where you can enter your city, state, or ZIP code and see all nearby locations, hours of operation, and available services at each branch. This is the fastest way to confirm whether a branch exists in your area and what services it offers — some branches handle loans and investment services, while others handle basic deposits and withdrawals only.

You can also call Truist customer service at 1-800-872-2657 to ask about branch locations and hours. If you are looking for a specific service — such as a safe deposit box, notary, or loan officer — mention that when you call, because not every branch provides every service.

States where Truist does not have branches

Truist has no physical locations in Alaska, Arizona, California, Colorado, Connecticut, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Mexico, New York (limited presence), Ohio, Oklahoma, Oregon, Rhode Island, South Dakota, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, or Wyoming.

If you live in one of these states and want to bank with Truist, you will need to open and manage your account entirely online or by phone. You can deposit checks using mobile check deposit through the Truist app, and you can withdraw cash at any Allpoint ATM. Wire transfers, ACH transfers, and bill pay all work the same way as they do for customers with local branches.

Truist's headquarters and main operations

Truist's corporate headquarters is located at 214 North Tryon Street in Charlotte, North Carolina 28255. This is where the bank's executive leadership, compliance department, and many customer service operations are based. The Charlotte office is not a retail branch where you can walk in to open an account or deposit cash — it is an administrative and operational center.

Truist also has significant operations centers in other cities, including Winston-Salem, North Carolina (where BB&T was historically based) and Atlanta, Georgia. These locations handle back-office functions like transaction processing, fraud investigation, and loan servicing.

Using Truist services without a physical branch

Truist customers who do not live near a branch can handle most banking needs online or through the mobile app. You can transfer money between accounts, pay bills, set up automatic payments, and check your balance 24 hours a day. Mobile check deposit lets you photograph the front and back of a check and deposit it without visiting a branch.

For services that require a signature or in-person verification — such as opening a new account, applying for a loan, or accessing a safe deposit box — you may need to visit a branch or work with a loan officer by phone or video call. Call 1-800-872-2657 to ask whether your specific need can be handled remotely.

ATM access is available through Truist's own ATM network in the 17 states where it has branches, plus the Allpoint network nationwide. Allpoint ATMs are located in grocery stores, pharmacies, convenience stores, and other retail locations, and Truist customers can withdraw cash without paying a fee.

What changed when BB&T and SunTrust merged

Truist was created in December 2019 when BB&T Corporation and SunTrust Banks merged. The combined bank kept the Truist name and operates branches from both legacy networks. BB&T had a strong presence in the Mid-Atlantic and upper South, while SunTrust was dominant in Florida and Georgia. The merger created the current footprint of 17 states.

After the merger, Truist closed some overlapping branches in areas where BB&T and SunTrust had been located close to each other. If you banked with either institution before 2019, your account was automatically converted to a Truist account, and your branch location may have changed or closed. You can check the branch locator to see which locations are still open in your area.

Frequently Asked Questions

Can I open a Truist account if I don't live in one of the 17 states where Truist has branches?

Yes. You can open an account online or by phone, and manage it entirely through the Truist website and mobile app. You will not be able to visit a physical branch, but you can deposit checks by phone, withdraw cash at Allpoint ATMs, and handle most banking tasks remotely.

Does Truist have any branches in Texas, California, or other large states?

No. Truist does not operate branches in Texas, California, or most western and midwestern states. If you need a bank with nationwide branch coverage, you may want to consider a larger national bank like Bank of America, Chase, or Wells Fargo.

What is the Allpoint ATM network and how do I use it?

Allpoint is a network of over 55,000 ATMs worldwide where Truist customers can withdraw cash without paying a fee. You use your Truist debit card just as you would at a Truist ATM. Allpoint ATMs are typically located in grocery stores, pharmacies, and convenience stores.

Can I visit Truist's headquarters in Charlotte to handle banking business?

No. The headquarters building at 214 North Tryon Street is an administrative office, not a retail branch. To handle banking business in Charlotte, visit one of the retail Truist branches in the area, which you can find using the branch locator tool on Truist's website.

What happens to my account if my local Truist branch closes?

Your account remains open and active. You can continue to use online banking, mobile check deposit, and ATMs. Truist will notify you in advance if a branch is closing and will direct you to the nearest open branch or explain how to handle your banking needs remotely.