Truist Bank was formed in 2019 from the merger of BB&T and SunTrust Banks — two institutions with over a century of combined history — making it the seventh-largest U.S. bank by assets. With approximately 2,000 branches concentrated in the Southeast and Mid-Atlantic, Truist is the dominant regional bank from Virginia to Florida.
The standout feature for fee avoidance: any $500 direct deposit waives the $12 monthly fee — a single part-time paycheck qualifies. The main watch-out: the $36 overdraft fee is among the highest at any major bank.
Truist at a Glance
| Feature | Details |
|---|---|
| Monthly fee (One Checking) | $12 (waived with $1,500 balance OR $500 direct deposit OR linked product) |
| Monthly fee (Confidence Account) | $5 (not waivable) |
| Overdraft fee | $36 per item (max 3/day; grace until 10 PM same day) |
| ATM limit — standard | $500–$1,000/day |
| ATM limit — Premier/Wealth | Up to $2,000/day |
| Truist ATM network | ~3,500 ATMs (Southeast/Mid-Atlantic) |
| Non-Truist ATM fee | $3.00 per transaction |
| Domestic wire out | $35 |
| International wire out | $50 |
| Wire routing number (all states) | 061000104 |
| SWIFT code | SABORUMM |
| US branches | ~2,000 (18 states + DC) |
| Customer service | 1-844-487-8478 (24/7) |
Truist Account Tiers
Truist One Checking is the flagship account, with three paths to avoid the $12 monthly fee:
| Waiver Method | Requirement |
|---|---|
| Minimum balance | $1,500 daily balance |
| Direct deposit | $500+ per month (any qualifying direct deposit) |
| Linked product | Active Truist credit card, mortgage, auto loan, or personal loan |
The direct deposit waiver is the easiest for most customers — a single $500 paycheck per month, even from a part-time job, triggers it. The linked product waiver is automatic if you already bank with Truist for a mortgage or auto loan.
Truist Fees Overview
The two fees that matter most for everyday banking:
| Fee | Amount | How to Avoid |
|---|---|---|
| Monthly maintenance | $12 | $500 direct deposit OR $1,500 balance OR linked product |
| Overdraft | $36 (max 3/day) | Link savings for free transfers OR opt out |
| Non-Truist ATM | $3.00 | Use Truist ATMs (Southeast) |
| Domestic wire out | $35 | Use Zelle (free) |
| International wire out | $50 | Use Wise or similar |
| Stop payment | $36 | — |
| Paper statements | $3/month | Switch to e-statements |
→ Full breakdown: Truist Bank Fees 2026
Truist ATM Limits
Truist’s $500–$1,000 standard daily ATM limit is in line with Southeast regional peers. Premier Banking and Wealth clients access up to $2,000 per day.
| Account | Daily ATM Limit |
|---|---|
| Truist One Checking (new) | $500 |
| Truist One Checking (12+ months) | $500–$1,000 |
| Truist Bright Checking | $500–$1,000 |
| Truist Confidence Account | $500 |
| Truist Premier / Wealth | Up to $2,000 |
Truist’s ~3,500 branded ATMs are concentrated in the Southeast. Out-of-network ATMs cost $3.00 per transaction for standard accounts; Premier Banking customers receive reimbursements.
→ Full details: Truist ATM Withdrawal Limits
Truist Routing Numbers
Truist’s routing number depends on the state where you opened your account. All domestic wire transfers use 061000104 regardless of state.
| State | Routing Number |
|---|---|
| Alabama / Mississippi | 062203984 |
| Arkansas | 082006726 |
| DC | 054001547 |
| Florida | 063104668 |
| Georgia / Texas | 061000104 |
| Indiana / Kentucky / Tennessee | 064000017 |
| Maryland | 055002707 |
| New Jersey | 021302668 |
| North Carolina | 053101561 |
| Ohio | 064208706 |
| Pennsylvania | 031309123 |
| South Carolina | 053100465 |
| Virginia | 051404260 |
| West Virginia | 051503394 |
| Wire transfers (all states) | 061000104 |
| International SWIFT | SABORUMM |
Note: Truist replaced all legacy BB&T and SunTrust routing numbers in 2022. If you’re still using an old number, update it with your employer and billers immediately to avoid payment failures.
→ Full state list and BB&T/SunTrust history: Truist Routing Number by State
All Truist Bank Guides
- Truist Bank Fees 2026 — monthly fees, overdraft charges, ATM costs, wire fees, and how to avoid every charge
- Truist ATM Withdrawal Limits 2026 — daily limits by account tier, how to request an increase, ATM network coverage
- Truist Routing Number by State 2026 — ACH and wire routing numbers for all 18 states, SWIFT code SABORUMM
- Truist Bank Customer Service 2026 — 24/7 phone number, legacy BB&T/SunTrust numbers, how to reach a live person
- Truist Bank Hours 2026 — branch hours, Saturday hours, holiday closures, 7-day availability compared
- Truist Minimum Balance Requirements 2026 — 3 ways to waive the $12 fee, all account tiers explained
- Truist Mobile Deposit Limit 2026 — daily caps, 8 PM ET cutoff, funds availability schedule
- Truist Transfer Limits 2026 — Zelle, ACH, wire limits, routing numbers, SWIFT code
- Truist vs Bank of America 2026 — overdraft fees, branches, fee waivers, and Southeast coverage compared
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