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 that's a paycheck going into your account, a bill payment going out, or a transfer between banks. Without the correct routing number, a transfer can go to the wrong account or bounce back.
Truist uses different routing numbers depending on which state your account is in and what type of account you have. Using the wrong one won't break anything, but the transfer may be delayed or rejected, which is why it matters to find the right one for your specific account.
Key Takeaways
- Truist routing numbers are nine digits and vary by state and account type, so you need to know which one applies to your account.
- You can find your routing number on the bottom left of your checks, in your Truist online banking portal, or by calling Truist customer service.
- The routing number is different from your account number — your account number appears on the bottom right of your checks and identifies only your account.
- If you use the wrong routing number, the transfer may be delayed or rejected, but using the right one ensures money reaches your account quickly.
How to find your routing number on a check
The easiest way to find your Truist routing number is to look at a check from your account. On the bottom left of the check, you will see a nine-digit number — that is your routing number. The nine-digit number on the bottom right is your account number, which is different.
If you do not have checks or cannot find them, you have other options. But if you have a check in front of you, that is the fastest way to confirm the number without logging in or making a call.
Finding your routing number online
Log into your Truist online banking account and go to your account details or account information section. The routing number is usually listed there along with your account number. If you cannot find it in the main account view, look under settings or account summary.
You can also visit Truist's website directly and search for "routing number" — they maintain a page that lists routing numbers by state. Since Truist operates in multiple states, make sure you select the state where your account is held.
Calling Truist to confirm your routing number
If you prefer to speak with someone or want to confirm the number before using it, call Truist customer service at the number on the back of your debit card or on your monthly statement. Have your account number ready, and they will give you the routing number for your specific account in seconds.
This is also the best option if you are unsure which state your account is registered in or if you have moved and are not sure whether your routing number changed.
Routing number versus account number
These two numbers work together but mean different things. Your routing number tells the banking system which Truist branch or location to send money to. Your account number tells that branch which specific account within Truist to deposit it into.
When you set up direct deposit or make a transfer, you need both numbers. The routing number goes first, then your account number. If you give only one, the transaction will not go through.
When you need your routing number
You will need your Truist routing number when you set up direct deposit for a paycheck, arrange automatic bill payments, transfer money from another bank to Truist, or receive a wire transfer. Any time another bank or employer needs to send money into your Truist account, they will ask for both your routing number and your account number.
You do not need your routing number to withdraw money from an ATM, make a purchase with your debit card, or transfer money out of Truist using your own online banking. Those transactions use only your account number or card number.
What to do if you cannot find your routing number
If you have tried checking a check, logging into online banking, and searching Truist's website without success, call Truist customer service. They can confirm your routing number over the phone and tell you whether it has changed due to a move or account change.
Do not guess or use a routing number you find online without confirming it applies to your account. Using the wrong routing number will not harm your account, but it will delay or reject the transaction, and you may have to start over.
Frequently Asked Questions
Does my routing number change if I move to a different state?
It may. Truist routing numbers are tied to the state where your account is held. If you move and update your address with Truist, your routing number might change. Call Truist or log into online banking to confirm your current routing number after a move.
Can I use the same routing number for checking and savings accounts?
Usually yes, if both accounts are at the same Truist location. However, some banks assign different routing numbers by account type. Log into online banking or call Truist to confirm the routing number for each account you use.
What happens if I use the wrong routing number?
The transfer will likely be rejected or delayed. The sending bank will try to match the routing number to a bank, and if it does not match your Truist account, the money will not arrive. You will need to resubmit the transfer with the correct routing number.
Is my routing number the same as my bank's main routing number?
Not always. Truist has multiple routing numbers depending on location and account type. The main routing number you find on Truist's website may not be the one for your specific account. Always use the number on your check or in your online banking portal.