Online banking
- Sign in to online banking.
- Select Transfer & pay.
- Select Transfer money & pay Truist accounts.
- Choose the account you want to transfer money from in the first drop-down menu.
- Choose the account you want to transfer money to in the second drop down menu.
- Select One-time or Recurring
- Enter the amount to transfer
- Select when to transfer.
- For One-time transfers, select or enter a transaction date.
- For Recurring transfers, select or enter your start date, and then select your frequency from the drop-down menu.
- Enter an optional memo.
- Select Continue.
Review your transfer details. If they’re incorrect, select Edit to make corrections. If they’re correct, select Send transfer.
Mobile Banking
- Sign in to online banking.
- Select Transfer & pay.
- Select Transfer money & pay Truist accounts.
- Select the account you want to transfer money from in “From”.
- Select the account you want to transfer money to in “To”.
- Select One-time or Recurring.
- Enter the amount to transfer
- Select when to transfer.
- For One-time transfers, select or enter a transaction date.
- For Recurring transfers, select or enter your start date, and then select your frequency from the drop-down menu.
- Enter an optional memo.
- Select Continue.
Review your transfer details. If they’re incorrect, select Edit to make corrections. If they’re correct, select Send transfer.
Online banking
- Sign in to online banking.
- Select Accounts.
- Select Link external accounts.
- Select a site.
- Enter your credentials.
- Confirm account has been added by selecting the Accounts tab.
- Follow the same instructions for internal transfers, selecting your external accounts from the appropriate drop-down menus.
Mobile Banking
- Sign in to online banking.
- Select Accounts.
- Select the Settings icon in the upper right of the screen.
- Select Link external account in the menu.
- Select a site.
- Enter your credentials.
- Confirm account has been added by selecting the Accounts tab.
- Follow the same instructions for internal transfers, selecting your external accounts from the appropriate drop-down menus.
| Type of deposit | Cut-off time for deposit to post that day | When it's available to cover transactions presented during nightly processing | When it's available for withdrawal and debit card purchases |
|---|---|---|---|
| Cash deposit with a teller | Varies (check with your local branch) | Same banking day1 (based on cut-off time) | Immediately |
| Cash deposit at the ATM | 9 pm ET (M – F) | Same banking day (based on cut-off time) | Immediately |
| Cash deposit through the night depository | 7 am ET (M –F) | Same banking day (based on cut-off time) | Available once processed by the branch teller |
| Check deposit through the night depository | Varies (check with your local branch) | Same banking day (unless a hold is placed2) | Next day after it has been processed (unless a hold is placed2) |
| Direct Deposit | Post throughout the day | Same banking day | Immediately |
| Check deposit with a teller | Varies (check with your local branch) | Same banking day (unless a hold is placed2) | Next day after it has been processed (unless a hold is placed2) |
| Check deposit at the ATM | 9 pm ET (M – F) | Same banking day (unless a hold is placed2) | Next day after it has been processed (unless a hold is placed2) |
| Mobile check deposit (Standard availability) | 9 pm ET (M – F) | Same banking day (unless a hold is placed2) | Next day after it has been processed (unless a hold is placed2) |
| Mobile check deposit (Immediate availability, if offered and accepted) Fees may apply | 9 pm ET (M – F) | Same banking day until 11:59 pm ET | Immediately |
Overdraft fee
A $36 fee that’s charged when a transaction amount is more than your available balance and is paid with negative funds. If the original transaction amount is less than $5, we will not charge an overdraft fee.
| Transactions | Transaction amount | Available balance | Overdraft fee |
|---|---|---|---|
| Available balance | — | $2.00 | — |
| Coffee purchase, debit card | $3.00 | -$1.00 | No |
| Lunch purchase, debit card | $4.00 | -$5.00 | No |
| Check 102 | $87.00 | -$92.00 | Yes |
| Check 104 | $4.00 | -$96.00 | No |
Paper statement fee
Help the environment and save up to $3 a month? Sign us up! Use this step-by-step guide to enroll in paperless statements.
ATM fees
You can use more than 3k Truist ATMs for free. And some checking accounts will waive fees a few times a month if you use a non-Truist ATM.
Stop payment fee
If you need to stop a transaction before it's complete, like a check you've written, a pending ACH transaction, or even a Zelle® transfer, a $35 fee will be issued.