Truist’s routing number depends on the state where you opened your account — the most common are 061000104 (Georgia/Texas), 053101561 (North Carolina), 051404260 (Virginia), and 063104668 (Florida). For domestic wire transfers, all Truist customers use the same number: 061000104. For international wires, the SWIFT code is SABORUMM. Truist’s routing numbers replaced all legacy BB&T and SunTrust numbers in 2022 — if you’re still using an old number, update it now to prevent payment failures.
Truist Routing Numbers by State
Use the state where you opened your account — not where you currently live. If you moved after opening your account, your original routing number still applies unless you opened a new account in the new state. Find routing numbers for all other banks at the routing numbers by bank guide.
| State | Routing Number |
|---|---|
| Alabama | 062203984 |
| Arkansas | 082006726 |
| District of Columbia | 054001547 |
| Florida | 063104668 |
| Georgia | 061000104 |
| Indiana | 064000017 |
| Kentucky | 064000017 |
| Maryland | 055002707 |
| Mississippi | 062203984 |
| New Jersey | 021302668 |
| North Carolina | 053101561 |
| Ohio | 064208706 |
| Pennsylvania | 031309123 |
| South Carolina | 053100465 |
| Tennessee | 064000017 |
| Texas | 061000104 |
| Virginia | 051404260 |
| West Virginia | 051503394 |
Truist operates primarily across the Southeast and Mid-Atlantic in 18 states plus DC. Some states share routing numbers — Indiana, Kentucky, and Tennessee all use 064000017, and Alabama and Mississippi both use 062203984. These groupings reflect the predecessor banks’ regional footprints before the merger. If you’re unsure which state applies to your account, verify through the Truist app or call 1-844-487-8478.
BB&T and SunTrust Merger History
Truist was formed through the 2019 merger of BB&T and SunTrust Banks — at the time, the largest bank merger in US history since the 2008 financial crisis. The full system integration was completed in 2022, at which point all legacy routing numbers were replaced. Understanding the timeline explains why many customers still encounter their old numbers in saved payee records.
| Event | Date | Impact |
|---|---|---|
| Merger announcement | February 2019 | $66 billion “merger of equals” announced |
| Merger completed | December 2019 | Truist Financial Corporation formed |
| Brand consolidation begins | 2020–2021 | Branches, apps, websites rebranded |
| System integration complete | 2022 | New Truist routing numbers issued |
| Former BB&T accounts migrated | February 2022 | New Truist routing numbers assigned |
| Former SunTrust accounts migrated | March 2022 | New Truist routing numbers assigned |
If you’ve been using a BB&T or SunTrust routing number since before 2022, most transactions may still process during a grace period — but you should update all direct deposits, autopay accounts, and saved payees to the correct Truist number. Transactions that fail due to a stale routing number can take 1–5 business days to reverse. For context on how Truist compares to other large banks, see biggest banks in America and bank fees comparison. For Truist’s specific fee schedule, see Truist Bank fees.
Truist Wire Transfer Routing Number
The wire routing number and SWIFT code are the same regardless of which state you’re in. Never use your state-specific ACH number for a wire transfer — wires require the dedicated wire routing number.
| Transfer Type | Routing/SWIFT Number |
|---|---|
| Domestic wire transfer | 061000104 |
| ACH / direct deposit | State-specific (see table above) |
| International wire (SWIFT code) | SABORUMM |
For receiving an international wire transfer into your Truist account, provide the sender with these details:
| Information | Details |
|---|---|
| SWIFT/BIC code | SABORUMM |
| Bank name | Truist Bank |
| Bank address | 214 N. Tryon Street, Charlotte, NC 28202 |
| Your account number | Your full Truist account number |
| Your name and address | As it appears on your Truist account |
Truist’s SWIFT code (SABORUMM) was inherited from SunTrust Bank and has not changed since the merger. International wires typically take 1–5 business days to arrive depending on the originating country and intermediary banks involved. For more on timing and costs, see wire transfer time and wire transfer limits.
How to Find Your Truist Routing Number
1. Truist Mobile App
Open the Truist app → select your checking or savings account → tap “Account details.” Your routing number is displayed there alongside your account number.
2. Truist Online Banking
Log in at truist.com → navigate to your account → click “Account details” or “Account info.” Both the routing number and full account number are shown.
3. On a Paper Check
Your routing number is the first 9 digits printed on the bottom-left of any Truist check, before your account number and the check number. The three sets of numbers at the bottom of a check always appear in the same order: routing number | account number | check number.
4. Customer Service
Call Truist at 1-844-487-8478 (24/7) to verify your routing number with a representative. Have your account information ready to verify your identity. For a general guide on locating routing numbers, see how to find your routing number.
Which Routing Number Do I Need?
| Transaction | Which Number to Use |
|---|---|
| Direct deposit from employer | State-specific ACH number |
| IRS tax refund | State-specific ACH number |
| Social Security or government benefits | State-specific ACH number |
| Bill pay / autopay | State-specific ACH number |
| Linking to Zelle, Venmo, Cash App | State-specific ACH number |
| Linking to PayPal or payment apps | State-specific ACH number |
| Domestic wire (sending or receiving) | 061000104 |
| International wire | SWIFT: SABORUMM |
The most common mistake is using the domestic wire number (061000104) for direct deposit — this will cause the direct deposit to fail or be returned. Always use your state-specific ACH number for payroll and recurring payments. For how long direct deposits take to arrive once set up correctly, see when direct deposit hits.
ACH vs. Wire Transfers at Truist
Understanding the difference between ACH and wire transfers determines which routing number you need and how quickly your money moves.
| Feature | ACH Transfer | Wire Transfer |
|---|---|---|
| Routing number | State-specific | 061000104 |
| Speed | 1–3 business days | Same day or next day |
| Cost (outgoing domestic) | Free | $25–$35 |
| Cost (outgoing international) | N/A | $45–$50 |
| Reversible | Yes (limited window) | No — once sent, permanent |
| Best for | Payroll, bills, routine transfers | Large or time-sensitive payments |
For most everyday transactions — payroll, ACH transfers, and bill payments — the free ACH route is correct. Wire transfers are faster and irrevocable: once sent, they cannot be recalled. Use wires only when the recipient requires it (such as real estate closings) or the payment is time-sensitive and large enough to justify the $25–$35 fee. For Truist ATM limits and cash access, that’s separate from routing number transactions.
Quick Reference Summary
| Question | Answer |
|---|---|
| How many routing numbers does Truist have? | ~15 (one per state or state group) |
| Wire transfer routing number | 061000104 |
| SWIFT code (international wires) | SABORUMM |
| Where does Truist operate? | Southeast & Mid-Atlantic — 18 states + DC |
| Did numbers change from BB&T/SunTrust? | Yes — update all saved payees |
| Fastest way to verify | Truist app → Account details |
| Customer service phone | 1-844-487-8478 (24/7) |
For everything else related to routing numbers and bank transfers, see routing numbers by bank, what is a routing number, routing number vs. account number, ACH transfer time, wire transfer time, biggest banks in America, best checking accounts, and banks vs. credit unions.
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