Truist routing numbers depend on which state your account is in and what type of account you have

Truist does not have a single routing number for all customers. The number you need depends on where your branch is located and whether your account is a checking account, savings account, or something else. The most common routing number for Truist checking accounts is 061000104, but this applies only to accounts held in most states. Some states and account types use different numbers.

The fastest way to find your specific routing number is to look at the bottom left corner of any check you have from that account — the first nine digits are your routing number. If you do not have a check, you can log into your Truist online banking, call Truist customer service at 1-800-872-2657, or visit a local branch with your account information.

Key Takeaways

  • The routing number printed on your checks is always correct for your specific account and location.
  • The most common Truist routing number is 061000104, but some states and account types use different numbers.
  • You can find your routing number by logging into online banking, calling customer service, or asking at your branch.
  • Wire transfers and ACH payments both require the correct routing number for your account type and location.

Where to find your routing number in online banking

Log into Truist online banking and go to your account details or account information page. Most banks display the routing number alongside your account number in this section. If you cannot find it there, look for a link labeled "Account Details," "Routing Information," or "Wire Instructions" — different banks organize this differently, but the routing number is always in one of these places.

If you are setting up a direct deposit or automatic payment and Truist's system asks for a routing number, it usually fills in the correct one automatically based on your account. You can verify it matches what appears on your checks or in your account details before you submit.

Routing numbers for different account types and states

Truist uses different routing numbers depending on whether you opened your account in North Carolina, South Carolina, Virginia, Maryland, Delaware, Washington D.C., Florida, Georgia, or Alabama. The number 061000104 works for most checking and savings accounts across these states, but some older accounts or accounts opened through specific Truist divisions may use 054001220 or other numbers.

If you have a money market account, a business account, or an account you opened before Truist's merger of BB&T and SunTrust in 2019, your routing number may differ. The safest approach is always to use the number from your check or from your online banking portal rather than relying on a general number you find elsewhere.

Using your routing number for wire transfers and ACH payments

When you send money out of your Truist account through a wire transfer or set up an automatic payment (ACH), you will need to provide your routing number along with your account number. The routing number tells the receiving bank which Truist location to pull the money from. If you use the wrong routing number, the transfer may be delayed, rejected, or sent to the wrong place.

For wire transfers, Truist may also ask for a SWIFT code if you are sending money internationally. The SWIFT code for Truist is TRUSUS33. Always double-check both numbers before confirming a large transfer, because wire transfers are difficult to reverse once they leave your account.

What to do if you cannot find your routing number

Call Truist customer service at 1-800-872-2657 during business hours. Have your account number ready, and they can tell you the correct routing number in less than a minute. You can also visit any Truist branch in person with your ID and account information, and a teller will provide it when ready.

If you are trying to set up a payment or transfer and need the number urgently, the fastest option is usually to look at a check. If you do not have checks, online banking is the next fastest — log in and look for account details. Phone and branch visits work but may take longer depending on wait times.

Routing number versus account number: what is the difference

Your routing number identifies which bank and which location processes your account. Your account number identifies your specific account within that bank. When you give someone your information for a transfer, you need both: the routing number tells the system where to go, and the account number tells it which account to use once it gets there.

A routing number is the same for many customers at the same bank location. An account number is unique to you. If someone asks for "your bank information," they need both numbers, not just one.

Frequently Asked Questions

Is 061000104 the routing number for all Truist accounts?

It is the routing number for most Truist checking and savings accounts across the states where Truist operates. However, some accounts — particularly older ones or business accounts — may use a different number. Check your checks or online banking to confirm yours.

Can I use the same routing number for wire transfers and direct deposits?

Yes. The routing number is the same regardless of whether you are receiving money (direct deposit) or sending it (wire transfer). The difference is in how the receiving bank processes the transaction, not in the routing number itself.

What happens if I use the wrong routing number?

The transfer may be rejected by the receiving bank, delayed while it is rerouted, or in rare cases sent to a different account. Always verify the routing number before confirming a transfer. If a transfer goes to the wrong place, contact Truist when ready — they can sometimes recover it, but the process takes time.

Do I need a SWIFT code to send money from Truist?

You need a SWIFT code only for international wire transfers. For domestic transfers within the United States, use only the routing number and account number. Truist's SWIFT code is TRUSUS33 if you are sending money to another country.