Truist Bank was formed in 2019 from the merger of BB&T and SunTrust Banks, making it the seventh-largest US bank by assets. With roughly 2,000 branches concentrated in the Southeast and Mid-Atlantic, Truist is the dominant regional bank from Virginia to Florida. If you live in its footprint, you get branch access, a large ATM network, and a conventional full-service banking setup.
Quick answer: Truist is best for Southeast customers who want branch access and a traditional banking setup. The $500 direct deposit fee waiver is easy to meet, and Truist’s core checking accounts don’t charge overdraft fees.
The fastest path into the cluster: checking account, fees, and routing number. From there, ATM limits and customer service cover the next most common questions.
Truist At A Glance
| Feature | What to know |
|---|---|
| Main footprint | Southeast and Mid-Atlantic |
| Branch count | ~2,000 |
| ATM count | ~3,500 (Southeast focus) |
| Best for | Branch access, checking, Southeast everyday banking |
| Main drawback | Smaller ATM network than national banks; low savings yields |
| Monthly fee waiver | $500 direct deposit OR $500 balance OR linked product |
| Non-Truist ATM fee | $3.00 |
| Wire routing number | 061000104 (all states) |
| International SWIFT | SNTRUS3A |
All Truist Bank Guides
What Makes Truist Different
One of the most important things to know about Truist: unlike most large banks, its core personal checking accounts don’t charge overdraft fees. Truist One Checking uses a $100 “Balance Buffer” instead — the account can go up to $100 negative at no charge (subject to eligibility requirements), and transactions beyond that are declined rather than charged a fee. This is confirmed in Truist’s official fee schedule, effective September 28, 2026.
On the positive side, the $500 direct deposit waiver is one of the easiest to meet — a single paycheck, government payment, or gig platform ACH deposit in the month qualifies. The Truist fees guide covers the full fee schedule.
Checking and Savings Accounts
The Truist checking account page covers Truist One Checking and the other account tiers, including the three waiver paths and what each one actually requires. The Truist savings account page explains savings rates — which are low relative to online banks — and when it still makes sense to keep savings at Truist for convenience or overdraft coverage.
CD Rates
Truist CDs offer competitive short-term rates. The Truist CD rates page covers current rates by term, minimum deposits, and how they compare to online bank CDs at the same maturities.
Fees
| Fee | Amount | How to avoid |
|---|---|---|
| Monthly fee (One Checking) | $12 | $500 DD or $500 balance or linked product |
| Overdraft | None on core accounts | $100 Balance Buffer on One Checking |
| Non-Truist ATM | $3.00 | Use Truist ATMs (Southeast) |
| Domestic wire out | $35 | Use Zelle (free) |
| International wire out | $50 | Use Wise or similar |
Full breakdown at the Truist fees page.
ATM Limits and Routing Numbers
The standard daily ATM limit is $500–$1,000. Premier Banking and Wealth clients can access up to $2,000/day. Truist’s ~3,500 branded ATMs are concentrated in the Southeast. Full details at the Truist ATM limit page.
Truist uses a single routing number, 061000104, for ACH, direct deposit, and domestic wires on the large majority of accounts. A small number of legacy BB&T accounts opened before the February 2022 systems migration may still use an older number. Full details at the Truist routing number page.
Other Key Topics
The minimum balance page explains the three waiver paths for One Checking. The hours guide covers branch hours and holiday closures. The customer service page has 24/7 phone numbers. The mobile deposit limit and transfer limits pages cover digital banking caps.
For a head-to-head against the biggest competitor in the same regional footprint, the Truist vs. Bank of America comparison covers overdraft fees, branches, fee waivers, and Southeast coverage. For the overall verdict, the Truist review 2026 covers strengths, weaknesses, and who the bank is best for.
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