Truist Bank’s Zelle limit is typically $2,000 per day for standard accounts. ACH transfers cap at $2,500/day. All domestic wire transfers use routing number 061000104 regardless of state, with a $35 fee. The SWIFT code for international wires is SABORUMM.
Truist Transfer Limits by Type and Account
| Transfer Type | Truist One / Bright Checking | Truist Premier / Wealth |
|---|---|---|
| Zelle — Daily | $2,000 | Up to $5,000 |
| Zelle — Monthly | $10,000 | Up to $25,000 |
| ACH Outgoing — Daily | $2,500 | $5,000+ |
| ACH Incoming — Daily | $5,000 | $10,000+ |
| Wire — Domestic Online | Up to $50,000 | Up to $100,000 |
| Wire — International Online | Up to $25,000 | Up to $50,000 |
| Internal Truist-to-Truist | Unlimited | Unlimited |
Limits reflect typical ranges. Call Truist customer service at 1-844-487-8478 to confirm your exact limits.
Truist Routing Numbers by State
Truist uses different ACH routing numbers by state. All wire transfers use a single nationwide number.
| State | ACH Routing Number |
|---|---|
| Alabama / Mississippi | 062203984 |
| Arkansas | 082006726 |
| 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 |
| Washington DC | 054001547 |
| West Virginia | 051503394 |
| Wire transfers — all states | 061000104 |
| SWIFT code — international | SABORUMM |
How to find your routing number: Open the Truist app → select your account → tap Account Details. It also appears as the first 9 digits on the bottom-left of your paper checks.
Note for legacy customers: If you were a BB&T or SunTrust customer, your routing number changed when accounts migrated to Truist in 2022–2023. Update any payroll, direct deposit, or autopay setups to the current Truist routing number for your state.
Truist Wire Transfer Fees
| Wire Type | Fee |
|---|---|
| Outgoing domestic wire | $35.00 |
| Outgoing international wire | $50.00 |
| Incoming wire (domestic or international) | $15.00 |
Truist’s $35 domestic wire fee is $5 higher than most competitors. For transfers under $10,000, Zelle (free, within minutes) or ACH (free, 1–3 days) is more cost-effective.
How to Send a Zelle Payment with Truist
- Open the Truist Mobile Banking app
- Tap Send Money → Zelle
- Enter the recipient’s US mobile number or email address
- Enter amount (up to your daily limit) and optional note
- Confirm — enrolled recipients receive funds within minutes
Canceling: Payments to enrolled recipients cannot be canceled after submission. For unauthorized Zelle payments, call Truist fraud at 1-844-487-8478 immediately.
How to Send an ACH Transfer with Truist
- Log into Truist Online Banking or the app
- Go to Transfer Funds → External Transfers
- Add the external account (requires routing and account numbers; micro-deposit verification takes 1–3 days)
- Enter amount and transfer date
- Standard delivery: 1–3 business days (free)
How to Wire Money from Truist
- Log into Truist Online Banking
- Navigate to Payments → Wire Transfers
- Enter recipient details:
- Bank name and address
- ABA routing number 061000104 (all domestic wires)
- Recipient’s account number
- Amount and purpose of transfer
- Domestic cutoff: 5:00 PM ET for same-day credit
- International cutoff: 4:00 PM ET
Truist Transfer Limits vs. Competitors
| Bank | Zelle Daily Limit (Standard) | Domestic Wire Fee |
|---|---|---|
| Truist | $2,000 | $35 |
| Chase | $2,000 | $35 |
| TD Bank | $1,000 | $30 |
| PNC | $1,000 | $30 |
| Wells Fargo | $3,500 | $30 |
| Citi | $2,000 | $25 |
Truist’s $2,000 standard Zelle limit matches Chase and Citi and is higher than TD Bank and PNC. Its $35 domestic wire fee is tied with Chase as the highest in this comparison — use ACH or Zelle for transfers where speed isn’t critical.
See the full Truist guide for fees, ATM limits, and routing numbers by state.
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