BB&T is now Truist Financial Corporation

BB&T Bank no longer exists as a separate entity. In December 2019, BB&T Corporation and SunTrust Banks merged to form Truist Financial Corporation. If you have an account that was with BB&T, it is now a Truist account. Your account number, routing number, and the money in it transferred automatically—you did not have to do anything.

The merger was one of the largest bank combinations in U.S. history. BB&T had been operating since 1872 and served customers across the Southeast and Mid-Atlantic regions. SunTrust had similar geographic reach. The combined company, Truist, now operates thousands of branches across the country and offers the same services that both banks previously provided.

If you are looking for information about your old BB&T account, your statements, or how to access your money, you will find those answers through Truist's systems now. The transition happened over a year, with most customer-facing changes completed by mid-2020.

Key Takeaways

  • BB&T merged with SunTrust in December 2019 to create Truist Financial Corporation, and all BB&T accounts became Truist accounts automatically.
  • Your account number, routing number, and account balance transferred to Truist without any action required on your part.
  • Truist offers the same checking, savings, and loan products that BB&T previously offered, though some product names and features may have changed.
  • If you need to contact your bank about a former BB&T account, you now contact Truist using their phone numbers, website, or branch locations.

What BB&T offered before the merger

Before the merger, BB&T was a full-service regional bank. It offered personal checking and savings accounts, money market accounts, certificates of deposit (CDs), home loans, auto loans, credit cards, and investment services. The bank had branches primarily in North Carolina, South Carolina, Virginia, West Virginia, Kentucky, and other southeastern states, though it had expanded into the Mid-Atlantic region over time.

BB&T was known for personal banking relationships—customers could work with a banker at a local branch rather than only through phone or online channels. The bank also offered business banking services, including merchant processing and commercial loans. Many of these services are still available through Truist today, though the product lineup and names have shifted.

How your BB&T account works now under Truist

If you had a BB&T checking account, it is now a Truist checking account with the same account number. You can still use your debit card, write checks, set up automatic bill payments, and transfer money the same way you did before. Your online banking login may have changed during the transition, but Truist sent instructions to all customers about how to access their accounts online or through the mobile app.

Savings accounts, money market accounts, and CDs that were held at BB&T are now held at Truist. The interest rates, terms, and features may have changed as Truist consolidated its product offerings. If you had a BB&T credit card, it may have been converted to a Truist card or closed, depending on the card type and your account status. Truist sent notices about any changes to credit card accounts before they took effect.

Loans—mortgages, auto loans, personal loans—that you took out through BB&T are now serviced by Truist. You make payments the same way, and your loan terms remain the same. If you need to modify a loan or refinance, you work with Truist's loan department.

Finding your routing number and account information

Your BB&T account number stayed the same after the merger, but your routing number may have changed. Truist uses different routing numbers depending on which state your account is held in and which service you are using (ACH transfers, wire transfers, or check deposits). The safest way to find your correct routing number is to log into your Truist online banking account or call Truist customer service.

You can also find your routing number on the bottom left of any check you write from your Truist account. The nine-digit number printed there is your routing number. If you need your account number, it appears on the bottom center of your checks, after the routing number.

For wire transfers or ACH payments, always confirm the routing number with Truist directly rather than relying on old paperwork from the BB&T era. Using an outdated routing number can delay your payment or send money to the wrong place.

Accessing customer service and branches

Truist operates customer service phone lines, online banking, a mobile app, and physical branches. If you need to speak to someone about your account, you can call Truist at 1-800-872-2657 (the number varies slightly by service type, so check your statement or the Truist website for the specific line you need). You can also visit any Truist branch in person—many of the old BB&T branch locations are still operating under the Truist name.

Online banking and the Truist mobile app let you check your balance, transfer money, pay bills, deposit checks by phone camera, and manage your accounts 24 hours a day. If you have not set up online access yet, you can do so on the Truist website using your account number and other identifying information.

What changed and what stayed the same

Your account number and the money in your account stayed the same. Your routing number may have changed. Some product names changed—for example, certain BB&T savings products were renamed or consolidated into Truist's product line. Interest rates on savings accounts and CDs may have changed as Truist set new rates across its combined customer base.

Fees may have changed as well. Truist may charge different monthly maintenance fees, overdraft fees, or ATM fees than BB&T did. You should review your account statements and the Truist fee schedule to understand what you are being charged. If you had fee waivers or special account terms with BB&T, contact Truist to confirm whether those still apply.

Truist's ATM network is larger than BB&T's was, so you may have access to more ATMs without paying out-of-network fees. Truist is part of the Allpoint network, which gives you access to hundreds of thousands of ATMs worldwide.

If you want to move your account elsewhere

You are not locked into Truist. If you want to close your account and move to a different bank, you can do so at any time. To close an account, contact Truist and ask them to close it. Make sure you have transferred any automatic bill payments or direct deposits to your new bank first, or update those with your new account information.

Truist can provide you with a written record of your account history if you need it for tax purposes or other reasons. They can also help you set up a wire transfer to move a large balance to another bank, though wire transfers typically cost $15 to $30.

Frequently Asked Questions

Do I need to do anything with my BB&T account now that it is Truist?

No. Your account converted automatically when the merger closed in December 2019. Your money is still there, your account number is the same, and you can use your debit card and online banking as before. You may want to update your online banking password and review your new fee schedule, but no action is required to keep your account active.

What is my new routing number?

Your routing number depends on which state your account is held in and what type of transaction you are making. Log into your Truist online account, call Truist customer service, or look at the bottom left of one of your checks. Do not use an old BB&T routing number, as it may not work for new transactions.

Can I still use my BB&T debit card?

If your BB&T debit card was still valid at the time of the merger, Truist sent you a new Truist debit card before your old one expired. If you never received a new card, contact Truist to request one. Old BB&T cards stopped working after the transition period ended.

What if I had a BB&T credit card?

BB&T credit cards were handled differently depending on the card type. Some were converted to Truist credit cards, and some were closed. Truist sent notices to all credit card holders explaining what happened to their specific card. If you are unsure about your card, call Truist or log into your online account.

Where can I find a Truist branch near me?

Visit the Truist website and use their branch locator tool, or call customer service. Many BB&T branch locations are still operating as Truist branches. You can also visit any Truist branch to conduct business on your account, even if it is not the branch where you originally opened your account.