Truist routing numbers depend on which state your account is in and what type of transaction you need
Truist does not have a single routing number for all customers. The number you need depends on where your branch is located and whether you are setting up a direct deposit, wire transfer, or ACH payment. Truist operates under different routing numbers across its footprint, which includes the Carolinas, Virginia, Maryland, Delaware, Washington D.C., Florida, Georgia, and Alabama.
The most common routing number for Truist is 061000104, which handles many deposit and ACH transactions across multiple states. However, if your account is in a specific state or you are sending a wire transfer, you may need a different number. Using the wrong routing number can delay your transaction or send money to the wrong account.
Key Takeaways
- The primary Truist routing number for most ACH and direct deposit transactions is 061000104, but this varies by state and transaction type.
- Wire transfers often require a different routing number than ACH payments, so confirm which type of transaction you are making before you look up the number.
- Your account statement, online banking portal, or a call to Truist customer service will show the correct routing number for your specific account.
- Entering an incorrect routing number can delay payment or send funds to an unintended account, so double-check before submitting.
How 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 account. The first nine digits printed at the bottom are your routing number. If you do not have checks available, your account statement also displays this information, usually in a section labeled "Account Information" or near your account number.
If you are setting up direct deposit through an employer or government agency, they will often ask for your routing number and account number together. Having both pieces of information ready prevents delays in setting up payroll or benefit payments.
Routing numbers for wire transfers versus ACH payments
Wire transfers and ACH payments are not the same, and Truist may use different routing numbers for each. ACH transactions (like direct deposit or bill payments) typically use the standard routing number. Wire transfers, which move money faster but cost more, sometimes require a separate routing number depending on whether the wire is domestic or international.
Before you request a routing number, confirm with the person or organization asking for it whether they need it for an ACH transaction, a wire transfer, or something else. Truist customer service can tell you the correct number for your specific situation in one call.
Using Truist online banking to confirm your routing number
Log into your Truist online banking account and navigate to your account details or account information section. Most online banking portals display your routing number alongside your account number. This method is faster than calling and gives you a record you can reference later.
If you cannot find it in your online portal, the mobile app may also display this information under account settings or account details. Having the number visible in your own account reduces the chance of copying it incorrectly.
What happens if you use the wrong routing number
Using an incorrect routing number can send your money to a different financial institution or delay the transaction while the bank tries to sort out where it should go. Direct deposits may be rejected or held for several business days. Wire transfers sent to the wrong routing number are harder to recover and may require the receiving bank's help to trace.
If you realize you have used the wrong number after submitting a transaction, contact Truist immediately. The sooner you report it, the better the chance of stopping or redirecting the payment. For wire transfers especially, time matters — banks can sometimes recall a transfer within hours but not after a day or two.
Truist routing numbers by state
Truist operates in multiple states under its current structure, which resulted from the 2019 merger of BB&T and SunTrust. While 061000104 works for most transactions across most states, some states or specific transaction types may use different numbers. Rather than listing every possible variation (which changes as Truist consolidates systems), the most reliable approach is to check your own account statement or call Truist directly.
Truist customer service can confirm the exact routing number for your state and account type in minutes. You can reach them at the phone number on the back of your debit card or through their website.
Frequently Asked Questions
Is the routing number the same for checking and savings accounts?
Usually yes. Most banks, including Truist, use the same routing number for both checking and savings accounts at the same branch. However, confirm with Truist if you are unsure, since account type alone does not determine the routing number — location does.
Can I use 061000104 for all my Truist transactions?
This number works for most ACH transactions and direct deposits across Truist's service area. Wire transfers may require a different number depending on whether the wire is domestic or international. Check your account statement or call Truist to confirm for your specific transaction type.
What if my Truist branch is in a state Truist recently entered?
Truist continues to expand and consolidate branches. If your branch is new or recently acquired, your routing number may still be in transition. Your account statement will show the correct current number. If you see conflicting information online, trust your statement or call Truist directly.
Do I need a different routing number for international wire transfers?
International wire transfers use a SWIFT code, not a routing number. Truist's SWIFT code is SNTRUS3A. You will also need your account number and possibly other details depending on the receiving country. Truist can provide all the information you need for an international wire.