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 day (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 placed) | Next day after it has been processed (unless a hold is placed) |
| 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 placed) | Next day after it has been processed (unless a hold is placed) |
| Check deposit at the ATM | 9 pm ET (M – F) | Same banking day (unless a hold is placed) | Next day after it has been processed (unless a hold is placed) |
| Mobile check deposit (Standard availability) | 9 pm ET (M – F) | Same banking day (unless a hold is placed) | Next day after it has been processed (unless a hold is placed) |
| 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
There is no charge for paper statements or paperless online statements. Sign into Truist online banking 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 or an ACH transaction, a $35 fee will be issued.