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; outgoing domestic wires cost $20 online or $30 branch-assisted, per Truist’s official fee schedule (effective September 28, 2026). The SWIFT code for international wires is SNTRUS3A.
Truist Transfer Limits by Type and Account
| Transfer Type | Truist One / Confidence Checking | Truist Marquee / 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 Number
Truist does not publish a state-by-state ACH routing number table on its own site — Truist’s official guidance is to check your specific account. Truist’s current routing number, confirmed for ACH, direct deposit, and wire transfers, is 061000104. A small number of legacy BB&T accounts in Florida, North Carolina, or Virginia opened before the February 2022 systems migration may still show a different, older number — see Truist Routing Number 2026 for those legacy codes.
| Transfer type | Routing Number |
|---|---|
| ACH / direct deposit | 061000104 |
| Domestic wire | 061000104 |
| SWIFT code — international | SNTRUS3A |
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. If you have a legacy BB&T account that hasn’t been migrated, confirm your specific number there rather than assuming it’s 061000104.
Note for legacy customers: If you were a BB&T or SunTrust customer, your routing number may have changed when accounts migrated to Truist in 2022. Update any payroll, direct deposit, or autopay setups to 061000104, unless the Truist app or a current check shows a different number for a legacy BB&T account.
Truist Wire Transfer Fees
| Wire Type | Fee |
|---|---|
| Outgoing domestic wire (online) | $20.00 |
| Outgoing domestic wire (branch/teammate-assisted) | $30.00 |
| Outgoing international wire (branch-assisted) | $65.00 |
| Incoming domestic wire | $15.00 (1 free/month for One Checking) |
| Incoming international wire | $20.00 (1 free/month for One Checking) |
Truist’s outgoing domestic wire fee ($20 online, $30 branch-assisted) is in line with or below most large-bank competitors. For transfers under $10,000, Zelle (free, within minutes) or ACH ($3–$6, 1–3 days) is often 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
(Online outgoing domestic wires cost $20; wires initiated with branch/teammate assistance cost $30.) 4. Domestic cutoff: 5:00 PM ET for same-day credit 5. International cutoff: 4:00 PM ET
Truist Transfer Limits vs. Competitors
| Bank | Zelle Daily Limit (Standard) | Domestic Wire Fee (Outgoing) |
|---|---|---|
| Truist | $2,000 | $20 online / $30 branch |
| 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 | $25 |
Truist’s $2,000 standard Zelle limit matches Chase and Citi and is higher than TD Bank and PNC. Its $20 online domestic wire fee 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 by state.
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