What a routing number is and why you need it
A routing number is a nine-digit code that identifies which bank or credit union holds your account. Banks use it to send money to the right place — whether you're setting up direct deposit, paying a bill online, or receiving a wire transfer. Without the correct routing number, a payment can go to the wrong bank or get delayed.
Truist Bank has multiple routing numbers because it operates across different states and regions. The routing number you need depends on where your account was opened and which Truist division manages it. Using the wrong one won't necessarily stop a transaction, but it can cause unnecessary delays.
Key Takeaways
- Truist's main routing number for most accounts is 061000104, but the correct number depends on your account location and which Truist division holds it.
- You can find your specific routing number on the bottom left of your checks, in your online banking portal, or by calling Truist customer service.
- Truist operates under different names in different regions — including TIB (The Truist Investment Bank) and former BB&T or SunTrust divisions — each with separate routing numbers.
- If you're unsure which routing number to use, calling Truist directly is faster and more reliable than guessing.
Where to find your Truist routing number
The easiest place to look is the bottom left corner of any check from your Truist account. The first nine digits printed there are your routing number. If you don't have checks handy, log into your Truist online banking account — the routing number appears in the account details or transfer settings section.
You can also call Truist customer service at 1-800-872-2657 and ask for your routing number. Have your account number ready. This is the most reliable method if you're not sure which routing number applies to your specific account, especially if your account was transferred during a bank merger.
Common Truist routing numbers by region
Truist operates across multiple states and uses different routing numbers for different regions and account types. The routing number 061000104 handles most standard checking and savings accounts opened at Truist locations. However, if your account came from a former SunTrust or BB&T branch, or if you opened it at a specific regional office, a different routing number may apply.
Truist also operates investment and commercial banking divisions under the name TIB (The Truist Investment Bank), which uses separate routing numbers. If you're setting up a transfer for a business account or investment account, the routing number will differ from a personal checking account.
| Account Type or Region | Routing Number |
|---|---|
| Most Truist personal accounts | 061000104 |
| Former SunTrust accounts (some regions) | 061000104 or regional variation |
| Former BB&T accounts (some regions) | 061000104 or regional variation |
| TIB (investment/commercial) | Varies — contact Truist directly |
Because Truist was formed from the merger of SunTrust and BB&T, some older accounts may still use legacy routing numbers. If you've had your account for many years, your routing number might not match the standard one listed above.
Using your routing number for direct deposit and bill pay
When you set up direct deposit with an employer, you'll provide both your routing number and your account number. The employer's payroll system uses the routing number to identify Truist, then the account number to deposit into your specific account. If you enter the wrong routing number, the deposit may be rejected or sent to a different bank.
For bill pay through Truist's online banking, you typically don't need to enter a routing number — Truist handles that automatically. However, if you're paying a bill through a third-party website or app, that service may ask for your routing number to pull money from your Truist account. Always double-check the number before confirming the payment.
What to do if you're not sure which routing number to use
If you have multiple Truist accounts or your account history includes a merger or transfer, the safest approach is to contact Truist directly. Customer service can confirm the exact routing number for your account in under a minute. This is especially important for wire transfers or ACH payments, where using the wrong routing number can cause the transaction to fail or be delayed by several days.
Never guess or use a routing number you find online without confirming it matches your specific account. Truist's website lists the main routing number, but regional variations exist. A quick phone call eliminates the risk of a payment going astray.
Routing number versus account number
These two numbers serve different purposes and are often confused. Your routing number identifies Truist Bank itself — it's the same for all customers at that branch or region. Your account number is unique to you and identifies which account within Truist receives the money.
Both are required for most transfers. The routing number tells the sending bank where to send the money; the account number tells Truist which of its customers should receive it. If you provide the correct routing number but wrong account number, the money goes to Truist but lands in someone else's account — a serious problem that can take weeks to reverse.
Frequently Asked Questions
Is the routing number the same for all Truist customers?
No. While most personal accounts use 061000104, the correct routing number depends on your account location, account type, and whether your account came from a former SunTrust or BB&T branch. Check your checks or contact Truist to confirm yours.
Can I use the same routing number for checking and savings?
Yes. Both your checking and savings accounts at Truist use the same routing number. The account number is what distinguishes between them.
What happens if I use the wrong routing number?
The payment may be rejected, delayed, or sent to a different bank. If money reaches Truist but the account number is wrong, it could land in another customer's account. Contact Truist immediately if this happens.
Do I need a routing number for transfers between my own Truist accounts?
No. When moving money between your own Truist accounts through online banking, you only need the account numbers. Routing numbers are for transfers to other banks or from other banks to you.
Where can I find Truist's routing number online?
Truist's main website lists the standard routing number, but it's faster and more accurate to check your checks or call customer service at 1-800-872-2657. Online lists can be outdated or incomplete for regional variations.