Truist Financial was formed in December 2019 through the merger of BB&T and SunTrust Banks — two of the largest regional banks in the Southeast. Since completing the integration in 2022, Truist uses a single set of routing numbers that replaced the legacy BB&T and SunTrust numbers. Your Truist routing number depends on the state where you opened your account.
Truist Routing Numbers by State
| 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. Some states share routing numbers — for example, Indiana, Kentucky, and Tennessee all use 064000017, and Alabama and Mississippi both use 062203984. These groupings reflect the predecessor banks’ footprints.
BB&T and SunTrust Merger History
The BB&T–SunTrust merger that created Truist was a landmark event in regional banking. Understanding the history helps explain why routing numbers changed.
| Event | Date | Impact |
|---|---|---|
| Merger announcement | February 2019 | $66 billion “merger of equals” |
| Merger completed | December 2019 | Truist Financial formed |
| Brand consolidation begins | 2020–2021 | Branches, apps, websites rebranded |
| System integration complete | 2022 | New 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 and haven’t updated it, you should verify your current Truist number. While your bank may still process transactions with the old number during a grace period, using the correct Truist routing number prevents potential delays.
Truist Wire Transfer Routing Number
| Transfer Type | Routing Number |
|---|---|
| Domestic wire transfer | 061000104 |
| ACH / direct deposit | State-specific (see table above) |
| International wire (SWIFT code) | SABORUMM |
For receiving international wire transfers at Truist:
| Information | Details |
|---|---|
| SWIFT/BIC code | SABORUMM |
| Bank name | Truist Bank |
| Bank address | 214 N. Tryon Street, Charlotte, NC 28202 |
| Your account number | Your Truist account number |
| Your name and address | As it appears on your account |
Truist’s SWIFT code (SABORUMM) is inherited from SunTrust Bank. International wires may take 1–5 business days to arrive depending on the originating country.
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.
2. Truist Online Banking
Log in at truist.com → navigate to your account → click “Account details” or “Account info” to see your routing number.
3. On a Truist Check
Your routing number is the first 9 digits on the bottom-left of your check, before your account number and check number.
4. Customer Service
Call Truist at 1-844-487-8478 to verify your routing number with a representative.
Which Routing Number Do I Need?
| Transaction | Which Number |
|---|---|
| Direct deposit from employer | State-specific ACH number |
| IRS tax refund | State-specific ACH number |
| Bill pay / autopay | State-specific ACH number |
| Linking to Venmo, PayPal, Cash App | State-specific ACH number |
| Domestic wire (sending or receiving) | 061000104 |
| International wire | SWIFT: SABORUMM |
If you have a Truist account and ACH transactions aren’t going through, double-check that you’re using the updated Truist routing number and not a legacy BB&T or SunTrust number.
ACH vs Wire Transfers at Truist
| Feature | ACH Transfer | Wire Transfer |
|---|---|---|
| Routing number | State-specific | 061000104 |
| Speed | 1–3 business days | Same day or next day |
| Cost (outgoing domestic) | Usually free | $25–$35 |
| Cost (outgoing international) | N/A | $45–$50 |
| Best for | Payroll, bills, routine transfers | Large or time-sensitive payments |
For most everyday transactions — payroll, direct deposits, and bill payments — use the ACH routing number for your state. Wire transfers are best reserved for large, time-sensitive payments like real estate closings.
Bottom Line
| Question | Answer |
|---|---|
| How many routing numbers does Truist have? | ~15 (varies by state) |
| Wire transfer routing number | 061000104 |
| SWIFT code | SABORUMM |
| Where does Truist operate? | Southeast & Mid-Atlantic — 18 states |
| Did numbers change from BB&T/SunTrust? | Yes — use updated Truist numbers |
| Best way to verify | Truist app → Account details |