Personal banking

Know what to expect as your BB&T and SunTrust personal banking products and services transition to Truist. Use this guide to keep you informed—and give you confidence in a smooth experience.

Know about changes

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For now, you can expect very little change to your accounts and the way you bank. We’ll keep you informed every step of the way as we make the full transition to Truist.

Watch your mailbox and email (if you already bank with us online) in the coming months for more information. We don’t want you to miss a message, so take a moment to sign in to online banking and confirm that your contact information is up to date.

Checking, savings, money market, CDs, and IRAs

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Good news about deposit account numbers! There will be no merger-related changes to checking, savings, and money market account numbers. And more good news—we also won’t be changing the routing numbers related to these accounts.

What this means for you:

  • There's no need to order new checks or deposit slips, so continue using these as you normally would.
  • Your direct deposits will continue as usual.
  • Automatic drafts that use your account number and our routing number will remain unchanged.
  • If you currently use wire services, no changes are required to your wire instructions (account number or routing number).

SunTrust clients – You’ll receive new CD and IRA account numbers in early 2022. We’ll contact you ahead of time and guide you through the process.

BB&T clients – There will be no merger-related changes to your CD and IRA account numbers.

If you’re a current online banking client who’s been active within the past 90 days, you’ll receive this information through your online banking account. Otherwise, we’ll send you the information in the mail at least 30 days before we make any changes that affect your account.

The information will outline any applicable changes to product naming and fee structures.

You may receive multiple communications if you open a new BB&T account after March 19, 2021. You may receive multiple communications if you open a new SunTrust account after September 10, 2021. You’ll also receive multiple communications if you bank with both SunTrust and BB&T.

Debit cards, prepaid debit cards, and Delta SkyMiles® debit cards

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BB&T clients – After October 2021, you’ll receive your new Truist Visa debit card when your current card expires.

SunTrust clients – If you currently have a MasterCard®-branded SunTrust Debit Card or Delta SkyMiles Debit Card, you’ll receive a Visa®-branded Truist Debit card or Delta SkyMiles Debit Card in early 2022. Your new Truist card will have a different card number, expiration date, and 3-digit security code but your PIN will stay the same.

Whether you currently bank at BB&T or SunTrust—or both—you’ll receive more information in the coming months, including activation timing and changes to existing accounts.

Good news. You'll continue to earn rewards as applicable to your account, as you do today – redeemable for cash back, gift cards, merchandise and more.

Credit cards

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Yes—you’ll receive your new Truist credit card at a later date. We’ll send you an information packet in the coming months with details on changes to existing accounts. In the meantime, you can continue to use your current cards with all the features and benefits you have today.

We’re excited to announce that Deals will continue. Be on the lookout for an information packet in the coming months with all the details.

Good news. You'll continue to earn rewards as applicable to your account, as you do today – redeemable for cash back, gift cards, merchandise and more.

Branches and ATMs

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There’s a lot to love about this transition. For starters:

  • Use your debit or ATM card right now at any BB&T or SunTrust ATM to make cash withdrawals—with no ATM fees. Continue to bank as you normally would—exciting improvements and benefits are right around the corner.
  • Get more done with greater ease. A number of ATMs will have a contactless card tap option, and you can change your PIN right at the ATM if you’d like.
  • Over 3,000 ATMs are now available to you within our Truist market.

If you currently have a BB&T or SunTrust safe deposit box, it will become a Truist safe deposit box. All terms and conditions set forth in your Safe Deposit Box Lease Agreement will continue to apply. Truist will provide an annual safe deposit box billing notice or pre-note which discloses the rental price. If your current safe deposit box rent is automatically deducted from your checking or savings account, that arrangement will continue. 

Please note that your annual rental price with Truist may change at the time of renewal. Contact your local branch for additional information about safe deposit box price changes.

You can continue to use your BB&T or SunTrust branches and ATMs during our transition. We’ll be rolling out Truist branding updates—including temporary signage—to branches, ATMs, and printed materials from May 2021 through March 2022.

We’re planning for a limited amount of ATM and branch downtime during the transition to Truist. Know that we’re working very hard to minimize any disruption to services.

Truist products will be available in BB&T branches in late 2021 and in SunTrust branches in early 2022.


By phone:

  • Call BB&T at 800-226-5228
  • Call SunTrust at 800-786-8787

Online and mobile banking

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You’ll need to sign in and accept new terms at to begin exploring new and enhanced features. Please visit online and mobile banking for additional information.

FDIC coverage

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Yes. Your deposits at Truist will continue to be insured by the FDIC up to the maximum amount allowed by law.

Your deposits at the former BB&T and SunTrust have been added together for the purpose of determining the amount of your FDIC coverage at Truist. Your total deposits at Truist that are in the same ownership rights and capacity will be insured up to the maximum amount allowed by law, currently $250,000.

Any deposit made to an account you open on or after the date of the merger is a Truist deposit for FDIC insurance purposes.

If you have more than $250,000 in total deposits at the combined banks, you may call the FDIC directly at 877-275-3342 for more information about how your funds may be insured at Truist.

Fraud protection

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Protecting your information and identity is our priority. We’ll never send unsolicited emails, phone calls or texts asking you to provide, update or verify your personal or account information, such as passwords, Social Security numbers, personal identification numbers (PINs), or credit or debit card numbers.

If you receive an email that appears to be from BB&T, SunTrust, or Truist and requests confidential personal information, ignore the message and report it to us at


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Yes. We recognize that your lending needs will continue to evolve—so we’ve selected the best features from our existing products as well as new offerings to support your changing needs.

BB&T clients – Your lending account number(s) won’t change.

SunTrust clients – Your lending account number(s) will change in February 2022. We’ll be sure to give you all the information you need as the changes occur.

Mortgage services

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We’re working diligently to bring together the best elements from BB&T and SunTrust—and we’re committed to maintaining your continued trust.

While we’re in transition, a few things may change or look different. No need to worry—we’ve got you covered. We’ll keep you informed of any potential changes as you get to know Truist. You can check back here for updates—and be on the lookout for a direct communication to come in early 2022.

Truist will continue to offer convenient ways to pay your mortgage, such as recurring auto draft or online bill pay features.

Of course, you can still pay by phone or mail if you prefer. Or you can always visit a branch if you need in-person payment support.

We’d love to answer your questions. We’re just a phone call away.

  • Call BB&T at 800-827-3722 – Monday through Friday, 8 am to 7 pm ET
  • Call SunTrust at 800-634-7928 – Monday through Friday, 8 am to 8 pm ET, and Saturday, 9 am to 3 pm ET