Truist’s main routing number is 061000104. This number covers most Truist checking and savings accounts for direct deposit, ACH transfers, and domestic wire transfers. If your account originated with BB&T before the 2022 system migration, a small number of state-specific legacy codes may still apply – verify through the Truist app or by calling 1-844-487-8478 if you are unsure which number applies to your account.
See the full Truist banking guide for fees, ATM limits, and account overview.
What Is a Routing Number?
A routing number is a nine-digit identifier assigned by the Federal Reserve to every US bank and credit union. It appears in every electronic transaction – direct deposits, ACH bill payments, wire transfers – and tells the payment network exactly which financial institution to credit or debit. Without the correct routing number, a transaction will be rejected or sent to the wrong bank.
Routing numbers are used for:
- Direct deposit (paychecks, government benefits, tax refunds)
- ACH transfers (bill pay, bank-to-bank transfers, Zelle)
- Domestic wire transfers
- International wire transfers (paired with a SWIFT/BIC code)
The nine digits encode three pieces of information: a Federal Reserve district identifier, an ABA institution identifier, and a check digit to catch transcription errors. Entering even one wrong digit can delay or misdirect a payment.
Truist Main Routing Number
Since the merger of SunTrust and BB&T, Truist has used 061000104 as its primary routing number. This code was historically tied to SunTrust and remains the standard for the vast majority of Truist accounts.
| Transaction type | Routing Number |
|---|---|
| Direct deposit | 061000104 |
| ACH transfers and bill pay | 061000104 |
| Domestic wire transfers | 061000104 |
If you opened your account after the 2022 system integration – or if your account came from SunTrust – 061000104 is the number you will see in the Truist app, on your checks, and in online banking.
Legacy BB&T Routing Numbers
Some accounts that originated with BB&T before the 2022 migration may still carry older state-specific routing numbers. Truist has confirmed the following legacy codes remain in use for certain accounts:
| State | Legacy BB&T Routing Number |
|---|---|
| Florida | 263191387 |
| North Carolina | 053101121 |
| Virginia | 051404260 |
If your account dates to BB&T, check the Truist mobile app under Account details to see which routing number is assigned to your specific account. Do not assume a legacy number still applies – some BB&T accounts were migrated to 061000104 during the 2022 integration. When in doubt, call Truist at 1-844-487-8478 before submitting a routing number to your employer or a biller.
BB&T and SunTrust Merger Background
Truist was formed through the 2019 merger of BB&T and SunTrust Banks. The full system integration completed in 2022, at which point most legacy routing numbers were consolidated under 061000104. Transactions that fail due to a stale routing number can take 1-5 business days to reverse.
| Event | Date |
|---|---|
| Merger announced | February 2019 |
| Merger completed | December 2019 |
| Former BB&T accounts migrated | February 2022 |
| Former SunTrust accounts migrated | March 2022 |
International Wire Transfers
For international wire transfers, you will need Truist’s SWIFT/BIC code in addition to the routing number.
| Information | Details |
|---|---|
| SWIFT/BIC code | SNTRUS3A |
| Bank name | Truist Bank |
| Bank address | 214 N. Tryon Street, Charlotte, NC 28202 |
| Routing number | 061000104 |
| Your account number | Your full Truist account number |
Truist’s SWIFT code (SNTRUS3A) was inherited from SunTrust Bank. For wire transfer costs, see the Truist fee guide.
How to Find Your Truist Routing Number
1. Truist Mobile App
Open the Truist app, select your checking or savings account, then tap Account details. Your routing number is displayed alongside your account number – this is the most reliable method.
2. Truist Online Banking
Log in at truist.com, navigate to your account, and click Account details or Account info.
3. On a Paper Check
Your routing number is the first 9 digits printed at the bottom-left of any Truist check – before your account number and check number. There are three sets of numbers at the bottom of a check; always use the leftmost nine-digit group.
4. Customer Service
Call Truist at 1-844-487-8478 (available 24/7) to verify your routing number. Have your account information ready to verify your identity.
ACH vs. Wire Transfers at Truist
| Feature | ACH Transfer | Wire Transfer |
|---|---|---|
| Routing number | 061000104 | 061000104 |
| Speed | 1-3 business days | Same day or next day |
| Cost (outgoing domestic) | Free | $35 |
| Cost (outgoing international) | N/A | $50 |
| Incoming wire fee | N/A | ~$15 |
| Reversible | Yes (limited window) | No – irrevocable |
| Best for | Payroll, bills, routine transfers | Large or time-sensitive payments |
Reserve wire transfers for situations where speed and finality matter – such as a real estate closing or a large business payment. For most everyday transfers, free ACH is the right choice.
Quick Reference
| Question | Answer |
|---|---|
| Main routing number | 061000104 |
| Domestic wire routing number | 061000104 |
| SWIFT/BIC code (international wires) | SNTRUS3A |
| Legacy BB&T – Florida | 263191387 |
| Legacy BB&T – North Carolina | 053101121 |
| Legacy BB&T – Virginia | 051404260 |
| Best way to verify your number | Truist app – Account details |
| Customer service phone | 1-844-487-8478 (24/7) |
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