Where to find your Truist PIN

Your Truist PIN is a four-digit code you create to use at ATMs and for phone banking. If you set one up when you opened your account, Truist does not send it to you by mail or email — you chose it yourself and only you should know it. If you cannot remember it, you will need to reset it rather than retrieve it.

The PIN is not printed on your debit card, your statements, or any document Truist sends you. It exists only in the system and in your memory. If you have never set a PIN, you may not have one yet, and you can create one the first time you use an ATM or call the bank's phone banking line.

Key Takeaways

  • Your Truist PIN is a code you create yourself, not something the bank assigns or mails to you.
  • You can reset a forgotten PIN at any Truist ATM, through the Truist mobile app, or by calling Truist customer service.
  • Resetting your PIN at an ATM takes a few minutes and requires your debit card and current PIN or your account number and ID.
  • If you cannot remember your PIN and do not have your debit card with you, calling customer service is the fastest option.

Resetting your PIN at a Truist ATM

The easiest way to reset a forgotten PIN is to visit any Truist ATM. Insert your debit card and select the option for "Change PIN" or "Forgot PIN" — the exact wording varies by machine. The ATM will walk you through creating a new four-digit code.

If you do not remember your current PIN, the ATM will ask for your account number and the last four digits of your Social Security number, or it may ask you to verify your identity another way. Once verified, you can create a new PIN on the spot. The change takes effect immediately.

Resetting your PIN through the Truist mobile app

Log into the Truist mobile app on your phone and look for settings related to security or card management. The app usually has an option to change or reset your PIN without leaving home. You will need to verify your identity — typically by entering your password and answering security questions you set up when you opened your account.

After you create a new PIN in the app, it becomes active right away. You can use it at any ATM or for phone banking within minutes. This method works if you have your phone and remember your app login.

Resetting your PIN by phone

Call Truist customer service at the number on the back of your debit card or on your account statements. Tell the representative you need to reset your PIN. They will verify your identity by asking for your account number, the last four digits of your Social Security number, and answers to security questions.

Once verified, the representative can reset your PIN over the phone. They will ask you to create a new four-digit code while you are on the call. The new PIN is active immediately, though you may need to wait a few minutes before using it at an ATM or for phone banking.

What to do if you cannot verify your identity

If you cannot answer your security questions or do not have your debit card, you may need to visit a Truist branch in person. Bring a government-issued photo ID and your account number or a recent statement. A branch representative can verify your identity and reset your PIN for you.

Call ahead to confirm the branch is open and ask whether you need an appointment. Some branches handle PIN resets without an appointment, but it is worth checking first to avoid a wasted trip.

Creating a PIN if you do not have one yet

If you have never set a PIN, you can create one the first time you use an ATM. Insert your debit card, and the machine will prompt you to create a PIN before you can access your account. You can also call Truist customer service and ask a representative to help you set one up over the phone.

Some accounts come with a temporary PIN assigned by the bank. If that is the case, you should change it to a code only you know the first time you use an ATM or log into phone banking.

Frequently Asked Questions

Can I use my PIN at stores that take debit cards?

No. Your Truist PIN works only at ATMs and for phone banking. At stores, you can use your debit card by signing the receipt or entering a different code called a PIN-less debit transaction. Some stores let you choose "credit" instead of "debit" and skip the PIN entirely.

How many times can I try to enter my PIN before it gets locked?

Most ATMs lock your card after three wrong PIN attempts. If this happens, you will need to call Truist customer service or visit a branch to unlock it. Do not try to force the card out — wait for the machine to return it or ask an ATM operator for help.

What if I set a PIN but cannot remember it and do not have my debit card?

Call Truist customer service with your account number and Social Security number. They can verify your identity and reset your PIN over the phone. You can then use the new PIN at any ATM or for phone banking.

Is my PIN the same as my online banking password?

No. Your PIN is a four-digit code for ATMs and phone banking. Your online banking password is separate and longer. You set both independently, and changing one does not change the other.