Truist Routing Numbers in the US (Comprehensive 2025 Guide)
Looking for your Truist routing number in 2025? Whether you’re a business owner, freelancer, finance team lead, or someone new to Truist Bank, getting this right is essential for smooth transfers, direct deposits, and other transactions. If you’d like to compare details across major financial institutions, check out Wells Fargo Routing Numbers in the US (Complete List). In this guide, you’ll discover how Truist Bank’s main routing digits work, how to handle state-specific numbers, and what to consider for your domestic and international payments.
What Is a Routing Number and Why Does It Matter?
A routing number is a nine-digit identifier assigned to banks and other financial institutions in the United States. This code is recognized nationwide, allowing money to flow reliably between accounts. Whether you’re paying a utility bill, setting up payroll, or transferring funds, knowing the correct routing number helps avoid delays and misdirected transactions. It’s used for:
Direct deposits (e.g., paychecks)
ACH (Automated Clearing House) transfers
Domestic and international wire transfers
Online bill payments
Key Points
Nine digits: Each set of numbers pinpoints a specific financial institution.
Identifies the bank: Ties your account to Truist or any other bank in electronic transactions.
Simplifies money movement: Without the correct routing number, your transaction could be rejected or sent to the wrong place.
Truist’s Main Routing Number
Since the merger of SunTrust and BB&T, Truist has primarily used 061000104 as its core routing number. This code, historically tied to SunTrust, remains widely recognized for most Truist checking and savings accounts.
When you see references to “Truist Bank routing number” in articles or from customer service, 061000104 is the most common one for:
Everyday banking needs
ACH transactions
Domestic wires
If you opened your Truist account after the merger, this is likely the code you’ll see on checks and in your online banking summary.
State-Specific or Legacy Routing Numbers
Although Truist leans on a single routing number (061000104) for most activities, some accounts still use older codes from BB&T. These codes vary based on the state where the account originated. For instance:
Florida: 263191387
North Carolina: 053101121
Virginia: 051404260
It’s a good idea to confirm your exact routing number if your account dates back to BB&T. You can contact Truist support or refer to account documentation if you suspect a state-specific number still applies. As a side note, if you’d like to see how other big banks handle varied routing systems, check out Bank of America Routing Numbers in the US (Complete Edition).
Finding Your Truist Bank Routing Number
Wondering how to confirm which digits belong to your account? Here are a few straightforward methods:
Check Your Paper Checks
Look at the bottom-left corner. The nine-digit sequence before your account number is the routing code.Online Banking or Mobile App
Log in and find your account details. You should see “Routing Number” next to your checking or savings account information.Bank Statement
If you receive paper statements or view them electronically, the routing details may appear on the summary page.
Contact Customer Service
Call 844-487-8478 or visit a branch. A representative can instantly verify the correct code.
Tips for Accurate Verification
Always confirm the nine digits—any wrong entry could postpone deposits or cause a transfer to bounce.
If you had a BB&T account, verify whether your old number still applies or if it has switched to 061000104.
Domestic vs. International Wire Transfers
Routing numbers are critical for wire transfers, especially within the United States. For domestic wires to Truist, you typically only need to provide 061000104 plus the recipient’s account number.
International Considerations
For cross-border wires, you’ll often see mention of a SWIFT code. Truist’s SWIFT code is typically SNTRUS3A. You’ll supply:
Full bank name and address (Truist Bank, 214 North Tryon Street, Suite 3, Charlotte, NC 28202)
Recipient’s full name
The standard routing digits (061000104)
The SWIFT code (SNTRUS3A)
Having both the routing number and SWIFT code lets foreign banks recognize Truist Bank efficiently in the global ecosystem.
Common Pitfalls to Avoid
Hitting a snag with your routing number can cause delays or missed payments. Below are a few pitfalls you can sidestep:
Using an Outdated State-Specific Code
If your account migrated from BB&T but you recently changed locations, your older code might no longer be valid.Duplicating the Check Number
On a paper check, there are three sets of numbers: the routing code, your account number, and the check number. Entering the wrong set could direct funds incorrectly.Copying the Wrong Format from Online Sources
Always confirm with official Truist resources. Websites might list multiple codes for older account types, so double-check.
If you’re managing a business and rely on multiple bank transfers, errors can multiply quickly. Checking your codes at least once a year or whenever you change accounts can mitigate confusion.
Options for Business Owners
Business accounts sometimes require more than just a routing code. Large-scale payments, cross-border vendor transactions, and currency conversions can add complexity. While Truist provides resources for these operations, it’s also useful to explore specialized payment providers.
Mural Pay’s Multi-Currency Solutions
If you frequently send international payments or pay contractors in different regions, Mural Pay can help reduce overhead on foreign exchange and mass payouts. Unlike typical consumer-focused platforms, Mural Pay caters to businesses dealing with recurring global transactions. For additional insights on large-scale cross-border methods, see our article on Popular Payment Methods for International Trade (Edition). This can offer a broader look at various payment platforms and how to handle overseas transfers effectively.
Avoiding Errors in ACH and Other Transactions
Truist’s most common processes—like direct deposit and ACH—rely on the correct routing code. ACH transactions are generally quicker than paper methods and can handle recurring payments for payroll or bills.
Confirm the ACH routing: For Truist, it’s often the same 061000104.
Check for updated details: If your company merges or rebrands, you might need to verify new deposit instructions.
Keep records: Always maintain digital or paper receipts of past transactions in case you need to reconcile a missed payment.
If you handle a variety of payment activities, you may also want to check out some cost-effective ways to move money internationally. Our post on Cheap Ways to Send Money Internationally (Edition) covers methods that might suit personal or business scenarios.
Wrapping Up
Truist Bank’s routing details center around the primary code 061000104, with older BB&T-based account holders possibly needing a state-specific set of digits. For international transactions, add the SWIFT code SNTRUS3A. By verifying which code applies to your account—and double-checking before each payment—you’re less likely to see delays. If you’re exploring broader banking differences or financial strategies, you might like Types of Banks: How They Work & Who They’re Best For.
If you’re a business aiming to streamline payments or pay overseas vendors, consider exploring Mural Pay’s specialized multi-currency tools. A well-tuned approach to routing numbers and international payment options can spare you confusion and keep your finances on track.
References
GOBankingRates. (2023). “Truist Routing Number.” Available at: https://www.gobankingrates.com/banking/banks/truist-routing-number
One Smart Dollar. (2023). “What Is the Truist Bank Routing Number?” Available at: https://www.onesmartdollar.com/what-is-the-truist-bank-routing-number/
Statrys. (2024). “Truist Routing Number.” Available at: https://statrys.com/blog/truist-routing-number
Truist. (2022). “Wire Transfer Transition Information.” Available at: https://www.truist.com/content/dam/truist-bank/us/en/documents/merger/wire-transfer-transition-information-for-suntrust-clients.pdf
