Do you want to bolster your savings, receive your paycheck, or simply move funds around? Adding money to your Truist account is a fundamental banking task, and luckily, Truist offers a variety of convenient methods to do so. This comprehensive guide will walk you through each option, step by step, ensuring you can manage your money with ease.
Let's dive in and get your Truist account topped up! Are you ready to explore the different ways to add funds?
Step 1: Understand Your Options – What Kind of Money Are You Adding?
Before we get into the "how-to," it's helpful to consider what kind of money you're looking to add. Is it:
- Cash? Physical bills and coins.
- A Check? A paper check from an employer, a friend, or another source.
- Digital Funds from Another Account? Money sitting in an account at a different bank or financial institution.
- Your Paycheck? Your regular earnings from your job.
- Money from a Friend or Family Member? Funds being sent to you by someone else.
Knowing this will help you choose the most efficient method.
Step 2: Adding Cash to Your Truist Account
If you have physical cash you want to deposit, Truist provides several easy avenues.
Sub-heading 2.1: Depositing Cash at a Truist ATM
This is often the quickest and most convenient way to deposit cash, especially outside of branch hours.
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Locate a Truist ATM: Use the Truist mobile app or their website's ATM locator to find the nearest Truist ATM that accepts deposits. Not all ATMs are deposit-enabled, so verify this beforehand.
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Insert Your Truist Debit Card: Slide your debit card into the ATM's card reader.
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Enter Your PIN: Carefully enter your Personal Identification Number (PIN) when prompted.
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Select "Deposit": On the main menu, choose the "Deposit" option.
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Choose "Cash Deposit": If given the option, select that you are depositing cash.
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Insert Your Cash: The ATM will open a slot for you to insert your cash. Ensure bills are unfolded and not creased for smooth processing.
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Confirm the Amount: The ATM will count the cash and display the total amount. Verify this amount carefully before proceeding.
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Select Account: Choose the Truist account (checking, savings, etc.) where you want the funds deposited.
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Complete the Transaction: Follow any remaining prompts to finalize the deposit. You'll typically receive a receipt.
- Important Note on Availability: Cash deposits at a Truist ATM before 9 PM ET (Monday-Friday) are generally available immediately.
Sub-heading 2.2: Depositing Cash at a Truist Branch with a Teller
For a more personal touch or if you have a large sum of cash, visiting a branch is a reliable option.
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Find a Truist Branch: Use the Truist website or app to locate a branch near you. Consider checking their hours of operation.
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Gather Your Items: Bring your Truist debit card or account number, and the cash you wish to deposit.
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Visit a Teller: Approach a teller window.
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Fill Out a Deposit Slip (Optional but Recommended): While not always strictly required, having a completed deposit slip can speed up the process. These are usually available in the lobby. Fill in your account number and the amount of cash you're depositing.
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Hand Over Cash and Information: Provide the teller with your cash, account information, and the deposit slip (if used).
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Receive Your Receipt: The teller will process the deposit and provide you with a receipt. Keep this for your records.
- Important Note on Availability: Cash deposits made with a teller are generally available immediately during banking hours, based on the branch's cut-off time.
Sub-heading 2.3: Allpoint+ Deposit-Enabled ATMs (For Cash Deposits)
Truist is part of the Allpoint network, and select Allpoint+ ATMs allow cash deposits.
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Locate an Allpoint+ ATM: Use the Allpoint ATM locator (often found on the Allpoint website or some banking apps) and specifically filter for "Allpoint+" locations. These ATMs are found in various retail stores.
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Insert Your Truist Debit Card: Just like with a Truist ATM.
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Follow On-Screen Prompts: The process will be similar to a Truist ATM, guiding you to select deposit and insert cash.
- Check with Truist: While Allpoint+ ATMs can accept deposits, it's crucial to confirm with Truist directly if your specific account is enabled for Allpoint+ deposits. You can typically do this by calling the number on the back of your Truist debit card.
- Availability: Funds deposited via Allpoint+ ATMs may have different availability schedules than Truist's own ATMs. Always check with Truist regarding the availability of funds from these third-party deposits.
Step 3: Depositing Checks into Your Truist Account
Checks are a common way to receive funds, and Truist offers several convenient methods for depositing them.
Sub-heading 3.1: Mobile Check Deposit via the Truist Mobile App
This is incredibly convenient and allows you to deposit checks from almost anywhere.
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Download the Truist Mobile App: If you haven't already, download the official Truist Mobile app from your device's app store (App Store for iOS, Google Play Store for Android).
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Log In: Open the app and log in using your Truist online banking credentials.
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Navigate to Deposit: Once logged in, look for a "Deposit" or "Mobile Deposit" option. It's often found in the main menu or as a prominent icon on the dashboard.
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Agree to Terms (First Time): If it's your first time using mobile deposit, you may need to agree to terms and conditions.
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Select Account: Choose the Truist account where you want the check deposited.
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Endorse the Check: Crucially, sign the back of your check and write "For Mobile Deposit Only Truist" (or similar phrasing as instructed by the app/Truist). This helps prevent fraud.
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Take Photos of the Check:
- Front: Place the check on a dark, plain background with good lighting. Hold your device steady directly above the check. The app will likely auto-capture the image when it's correctly positioned and clear.
- Back: Flip the check over and repeat the process for the back, ensuring your endorsement is clearly visible.
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Enter the Amount: The app may try to detect the amount automatically. Always double-check this and manually enter it if incorrect or not detected.
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Review and Confirm: Review all the deposit details – account, amount, and images.
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Submit Deposit: Tap the "Submit" or "Deposit" button. You'll receive a confirmation.
- Important Note on Availability: Mobile check deposits typically follow a next-business-day availability schedule if deposited by the cut-off time (often 9 PM ET). Holds may be placed on larger checks or new accounts. Keep the physical check in a safe place until the funds are fully available in your account.
Sub-heading 3.2: Depositing Checks at a Truist ATM
Similar to cash, you can also deposit checks at most Truist ATMs.
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Locate a Truist ATM: As mentioned before, ensure it's a deposit-enabled ATM.
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Insert Your Truist Debit Card and Enter PIN.
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Select "Deposit".
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Choose "Check Deposit".
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Insert Your Check(s): The ATM will prompt you to insert your check(s) into the designated slot. Ensure checks are properly endorsed (signed on the back).
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Confirm the Amount: The ATM will scan the check(s) and display the total. Verify for accuracy.
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Select Account: Choose the desired Truist account.
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Complete the Transaction: Finalize the deposit and retrieve your receipt.
- Important Note on Availability: Checks deposited at ATMs before 9 PM ET (Monday-Friday) are generally available the next business day, though holds may apply.
Sub-heading 3.3: Depositing Checks at a Truist Branch with a Teller
For personal assistance or complex deposits, a branch visit is an option.
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Find a Truist Branch: Locate your nearest branch and check hours.
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Gather Your Items: Bring your Truist debit card or account number, the endorsed check(s), and optionally, a deposit slip.
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Visit a Teller: Approach a teller.
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Provide Check(s) and Information: Hand over your endorsed check(s) and account details.
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Receive Your Receipt: The teller will process the deposit and provide a receipt.
- Important Note on Availability: Checks deposited with a teller during business hours are typically available the next business day, though holds can be placed.
Sub-heading 3.4: Mail Deposits (Less Common but Available)
While less common for everyday use, you can mail checks to Truist for deposit. Contact Truist customer service or visit their website for the correct mailing address for deposits. This method takes the longest for funds to become available due to mail delivery times.
Step 4: Transferring Money Electronically
Electronic transfers are a quick and efficient way to move money, especially from other bank accounts.
Sub-heading 4.1: Transferring from Another Truist Account (Internal Transfer)
If you have multiple accounts with Truist (e.g., checking and savings), moving money between them is instantaneous.
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Log in to Truist Online Banking or Mobile App: Access your account digitally.
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Navigate to "Transfer & Pay": Look for a "Transfer & Pay" or "Transfers" section.
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Select "Transfer Money": Choose the option to transfer funds between your Truist accounts.
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Select "From" Account: Choose the Truist account you want to transfer money from.
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Select "To" Account: Choose the Truist account you want to transfer money to.
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Enter Amount: Input the amount you wish to transfer.
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Choose Frequency: Select "One-time" or set up a "Recurring" transfer.
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Review and Confirm: Double-check all the details and confirm the transfer.
- Availability: Funds are generally immediately available for internal transfers.
Sub-heading 4.2: Linking and Transferring from an External Account
You can link accounts from other financial institutions to your Truist account for easy transfers.
- Log in to Truist Online Banking or Mobile App.
- Navigate to "Transfer & Pay" and then "Manage External Accounts": You'll need to set up the external account first.
- Add a New External Account: Select the option to add a non-Truist account.
- Provide Account Details: You'll typically need the external bank's routing number and your account number at that institution.
- Verify the Account: Truist will usually initiate small "micro-deposits" (e.g., two small deposits like $0.12 and $0.07) to the external account. You'll need to verify these amounts in your Truist online banking to confirm ownership. This verification process can take 1-3 business days.
- Initiate Transfer: Once verified, you can now initiate transfers:
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Go back to "Transfer & Pay."
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Select "Transfer Money."
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Choose your external account as the "From" account and your Truist account as the "To" account.
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Enter the amount and frequency.
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Review and confirm.
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Availability: Transfers from external accounts typically take 1-3 business days to process and for funds to become available.
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Sub-heading 4.3: Direct Deposit (For Your Paycheck/Regular Income)
This is the most common way to receive your salary, government benefits, or other regular payments directly into your Truist account.
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Obtain Truist Routing and Account Number:
- In Digital Banking: Log in to your Truist online banking or mobile app, select your account, and look for "View account details" to find your routing and account number.
- On a Check: Your routing number is the first set of nine numbers at the bottom left of your checks, followed by your account number.
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Provide Information to Your Employer/Payer:
- Your employer will provide a direct deposit form. Fill this out with your Truist routing number and account number.
- Specify the percentage or exact amount you want to deposit into your Truist account if you're splitting deposits.
- Attach a voided Truist check or a direct deposit form from Truist (often available in your online banking or by calling customer service) if required.
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Submit the Form: Return the completed direct deposit form to your employer's payroll department or the payer.
- Availability: Direct deposits post throughout the day and are generally available immediately once they post.
Sub-heading 4.4: Zelle® (For Sending/Receiving Money from Individuals)
Zelle is a fast way to send and receive money with friends, family, and other trusted individuals who also use Zelle through their bank.
- Enroll in Zelle through Truist:
- Log in to your Truist online banking or mobile app.
- Navigate to the "Transfer & Pay" section and look for Zelle.
- Enroll by linking your Truist checking or savings account and verifying your U.S. mobile number or email address.
- Receive Money:
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Once enrolled, when someone sends you money via Zelle to your enrolled mobile number or email, the funds will typically appear in your Truist account within minutes.
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Important: Ensure the sender uses the correct mobile number or email linked to your Truist Zelle account.
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Availability: Zelle payments are usually available within minutes.
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Sub-heading 4.5: Wire Transfers (For Large or International Transfers)
Wire transfers are for sending larger sums of money, often internationally, and are processed directly between banks. They are generally more expensive than other transfer methods.
- Provide Sender with Truist Information: To receive an incoming wire transfer, you'll need to give the sender the following details:
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Your Full Name and Address
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Your Truist Account Number
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Truist's Wire Routing Number (ABA Code): This is specifically for wire transfers and may differ from the ACH routing number. You can find this on the Truist website or by contacting customer service.
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Truist's Bank Name and Address: Truist Bank, Charlotte, NC (or the specific address provided by Truist for wire transfers).
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For International Wires: You'll also need Truist's SWIFT/BIC code.
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Availability: Incoming domestic wire transfers typically post the same business day if received by Truist's cut-off time (often 6 PM ET). International wire transfers can take longer, usually 1-5 business days.
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Step 5: Monitoring Your Deposit
After initiating a deposit, it's always a good practice to confirm the funds have arrived.
- Log in to Truist Online Banking or Mobile App:
- Check Your Account Balance and Transaction History: Look for the recent deposit to appear in your account.
- Set Up Alerts: You can set up alerts in your Truist online banking or mobile app to notify you when a deposit posts to your account. This is a great way to stay informed.
Step 6: Understanding Fund Availability
It's important to differentiate between when a deposit posts to your account and when the funds become available for withdrawal or use.
- Immediately Available: Typically for cash deposits at a teller or Truist ATM (within cut-off times), and internal Truist transfers, or Zelle payments.
- Next Business Day: Common for check deposits (mobile, ATM, teller) and direct deposits.
- 1-3 Business Days: For transfers from external linked accounts.
- Longer Holds: In some cases (e.g., very large checks, new accounts, or if a check bounces from the issuing bank), Truist may place a hold on funds, meaning they won't be available for several business days (up to 7 or sometimes more). Truist is required to notify you if a hold is placed.
This comprehensive guide should equip you with all the knowledge you need to confidently add money to your Truist account using various methods. Choose the one that best fits your needs and enjoy the convenience of managing your finances with Truist!
10 Related FAQ Questions
Here are 10 frequently asked questions about adding money to a Truist account, with quick answers:
How to find my Truist account and routing number for direct deposit?
You can find your Truist account and routing number by logging into your Truist online banking or mobile app and looking for "View account details" for your chosen account. Alternatively, they are printed on the bottom of your Truist checks.
How to deposit a check using the Truist mobile app?
Open the Truist mobile app, select "Deposit" or "Mobile Deposit," choose the account, endorse the check with "For Mobile Deposit Only Truist" and your signature, then take clear photos of the front and back of the check, enter the amount, and submit.
How to transfer money from another bank to my Truist account?
You can link your external bank account to your Truist account via online banking ("Transfer & Pay" > "Manage External Accounts"). Once linked and verified (typically with micro-deposits), you can initiate transfers from the external account to your Truist account.
How to deposit cash at a Truist ATM?
Insert your Truist debit card, enter your PIN, select "Deposit," choose "Cash Deposit," insert your cash into the slot, confirm the amount, select the account, and complete the transaction.
How to set up direct deposit with Truist?
Obtain your Truist account number and the specific Truist wire routing number (not the ACH routing number) for direct deposit. Provide this information to your employer or payer, typically by filling out a direct deposit form.
How to check if my Truist ATM accepts cash deposits?
When using the Truist ATM locator on their website or mobile app, look for features indicating "Deposits" or "Cash Deposits" for the specific ATM location.
How to know when my deposited funds will be available in my Truist account?
Cash deposits at a teller or Truist ATM are often immediately available. Check deposits usually have next-business-day availability, though holds may be placed. You can also check your online banking or app for the "available balance" or specific hold information.
How to enroll in Zelle with my Truist account?
Log in to your Truist online banking or mobile app, navigate to the Zelle section, and follow the prompts to enroll your Truist checking or savings account with your U.S. mobile number or email address.
How to receive a wire transfer to my Truist account?
Provide the sender with your full name, Truist account number, Truist's wire routing number (ABA code), and Truist's bank name and address. For international wires, you'll also need Truist's SWIFT/BIC code.
How to deposit a large sum of money into my Truist account?
For large cash deposits, visiting a Truist branch with a teller is often recommended. For large check deposits, mobile deposit or ATM are options, but be aware that holds may apply, potentially extending fund availability. Wire transfers are suitable for very large electronic transfers.