Truist does not publish its transfer limits; the limits for your account are shown in Truist Online Banking or the mobile app. Outgoing domestic wires cost $30 with teammate assistance ($20 online, offered to Truist Wealth and Premier relationships), per Truist’s fee schedule (effective September 28, 2026). Get the wire routing number for your account from Truist: its mortgage-payoff page lists 061000104 for payoff wires only. For international wires, Truist’s primary BIC is BRBTUS33.
Truist Transfer Limits by Type and Account
| Transfer Type | Truist One / Confidence Checking | Truist Marquee / Wealth |
|---|---|---|
| Zelle — Daily | Not published; shown in app | Not published |
| Zelle — Monthly | Not published; shown in app | Not published |
| ACH Outgoing — Daily | Not published; shown in app | Not published |
| ACH Incoming — Daily | Not published | Not published |
| Wire — Domestic Online | Not published; shown in app | Not published |
| Wire — International Online | Not published | Not published |
| Internal Truist-to-Truist | Not published | Not published |
Truist’s online banking agreement says limits applicable to your account are displayed in the application or applied when you schedule a transfer. Call Truist customer service at 1-844-487-8478 to ask about your limits.
Truist Routing Number
Truist does not publish a routing number table for personal accounts. The only number it states on a page we could read is 061000104, on its mortgage-payoff page for payoff wires, and it says ABA and ACH routing numbers may be the same or different. See Truist Routing Number 2026 for details.
| Transfer type | Routing Number |
|---|---|
| ACH / direct deposit | The number shown for your account in the app or on your checks |
| Domestic wire | Wire instructions from Truist for your account |
| SWIFT/BIC — international | BRBTUS33 is the primary BIC in Truist’s SWIFT notice (SNTRUS3A is a former SunTrust code); confirm with Truist |
How to find your routing number: Open the Truist app, select your account, then tap View account details. On a personal check it is the nine-digit number at the bottom left.
Note for former BB&T and SunTrust customers: Truist said most clients would see no merger-related change to their routing numbers, so an older account may still carry its original number. Use the number Truist shows for your account.
Truist Wire Transfer Fees
| Wire Type | Fee |
|---|---|
| Outgoing domestic wire (online; Truist Wealth and Premier relationships) | $20.00 |
| Outgoing domestic wire (branch/teammate-assisted) | $30.00 |
| Outgoing international wire (branch-assisted) | $65.00 |
| Incoming domestic wire | $15.00 |
| Incoming international wire | $20.00 |
Truist One Checking gets one fee-free incoming wire or funds transfer per calendar month in total, not one of each type.
Truist’s outgoing domestic wire fee ($30 teammate-assisted, or $20 online for Wealth and Premier relationships) is in line with or below most large-bank competitors. For transfers under $10,000, Zelle (free, within minutes) or an external ACH transfer ($3 standard or $6 next day) may cost less.
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; Truist may ask you to verify the account first)
- Enter amount and transfer date
- Truist charges $3 for a standard external transfer to your account at another bank and $6 for next day (fee schedule effective September 28, 2026)
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 from the wire instructions Truist gives you
- Recipient’s account number
- Amount and purpose of transfer
(Wires initiated with teammate assistance cost $30; online outgoing domestic wires cost $20 and are offered to Truist Wealth and Premier relationships.) 4. Confirm the current wire cut-off with Truist; orders received after it count as received the next business day
Truist Transfer Limits vs. Competitors
| Bank | Zelle Daily Limit (Standard) | Domestic Wire Fee (Outgoing) |
|---|---|---|
| Truist | Not published; shown in app | $30 ($20 online for Wealth/Premier) |
| Chase | $2,000 | $25 online / $35 branch |
| TD Bank | $1,000 | $30 |
| PNC | $1,000 | Confirm current fee at pnc.com |
| Wells Fargo | $3,500 | $30 |
| Citi | $2,000 | $30 online ($25 Priority) |
Truist does not publish its Zelle limit, so check yours in the app. Its $20 online domestic wire fee (Wealth and Premier relationships only) is among the lowest 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.
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy