It's a smart move to link your external accounts to Truist Bank! This allows you to centralize your financial view, making it easier to manage your money, transfer funds, and keep track of your overall financial health. Whether you're moving money between accounts, paying bills, or simply monitoring your balances, linking external accounts can simplify your financial life significantly.
Ready to gain better control of your finances? Let's dive into the step-by-step process of linking an external account to your Truist Bank account.
How to Link an External Account to Truist Bank: A Step-by-Step Guide
This guide will walk you through the process using both Truist's Online Banking and Mobile App. While the general steps are similar, there might be slight variations in the interface.
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| How To Link External Account To Truist Bank |
Step 1: Accessing Your Truist Digital Banking Platform
First things first, you need to log in to your Truist account.
A. Through Truist Online Banking (Desktop/Browser)
- Open your preferred web browser (Chrome, Firefox, Edge, Safari, etc.).
- Navigate to the official Truist Bank website:
www.truist.com - Look for the "Sign In" button, usually located in the top right corner of the homepage. Click on it.
- Enter your User ID and Password in the designated fields.
- Click "Sign In" to access your online banking dashboard.
B. Through the Truist Mobile App (Smartphone/Tablet)
- Open the Truist Mobile App on your smartphone or tablet. If you haven't downloaded it yet, search for "Truist Mobile" in your device's app store (App Store for iOS, Google Play Store for Android) and install it.
- Enter your User ID and Password when prompted.
- You might be asked for additional verification, such as a one-time passcode sent to your registered phone number or email, especially if it's your first time logging in from a new device or if unusual activity is detected. Always keep your contact information updated with Truist.
- Tap "Sign In".
Step 2: Navigating to the External Account Linking Section
Once you're successfully logged in, you'll need to find the option to link external accounts.
QuickTip: Don’t just consume — reflect.
A. On Truist Online Banking
- From your main dashboard, look for a menu option related to "Accounts" or "Transfer & Pay".
- Within that menu, you should find a sub-option like "Link external accounts" or "Manage external accounts". Sometimes it might be under "Transfers & Payments" and then "Adding and Managing External Accounts." Look for keywords like "external," "link," or "manage accounts."
- Click on this option to proceed.
B. On the Truist Mobile App
- After logging in, you'll typically see a navigation menu, often located at the bottom or top of the screen (sometimes represented by a "hamburger" icon ☰).
- Tap on "Accounts" or "Transfer & Pay".
- Look for a "Settings" icon (often a gear symbol ⚙️) in the upper right corner of the screen, or within the menu itself, locate "Link external account" or "Manage external accounts."
- Tap on the relevant option.
Step 3: Initiating the External Account Addition
Now you're at the point where you can begin adding your external account.
- You should see an option to "Add non-Truist account" or simply "Add an External Account." Click or tap on this.
- Truist may offer two primary methods for linking:
- Instant Verification (Recommended): This method uses a secure third-party service (like Plaid, which is commonly used by financial institutions) to instantly verify your external account by having you log in to that bank's online portal through Truist's secure link. This is often the quickest and easiest way.
- Manual Verification (Micro-deposits): This involves Truist sending small, random deposits (usually a few cents) to your external account. You'll then need to verify these amounts back on the Truist platform. This method takes a few business days.
Step 4: Providing External Account Details (Based on Method Chosen)
This is where you'll input the information for the account you wish to link.
A. For Instant Verification (Via Plaid or similar service)
- You'll be presented with a list of popular financial institutions. You can select your bank from the list or use the search bar to find it.
- Once you've selected your bank, you'll be prompted to enter your online banking credentials (username and password) for that external bank.
- Follow any on-screen prompts from the third-party service. This might include:
- Multi-factor authentication (MFA): You may receive a text message, email, or need to use an authenticator app for a security code from your external bank to complete the login.
- Selecting the specific account(s) you wish to link if you have multiple accounts at that institution.
- Once successfully connected, you'll receive a confirmation that your account has been linked.
B. For Manual Verification (Micro-deposits)
- You will need to provide the following information for your external account:
- Account Type: Is it a checking, savings, or money market account?
- Bank Routing Number: This is a 9-digit code that identifies your bank. You can usually find it on your checks (the first set of numbers at the bottom) or by logging into your external bank's online banking and looking for account details.
- Account Number: This is your specific account number at the external bank. You can find this on your checks, statements, or within your external bank's online banking.
- Account Holder Name: Ensure the name on the external account matches the name on your Truist account for successful linking.
- Carefully review all the information you've entered to ensure accuracy.
- Click "Continue" or "Submit".
- Truist will then send two small, random deposits to your external account. These usually appear within 1-3 business days.
Step 5: Verifying the External Account (If using Micro-deposits)
If you opted for manual verification, this crucial step follows a few days later.
- After a couple of business days, log in to your external bank's online banking or check your statement to find the two small deposit amounts from Truist. They will be tiny, like $0.17 and $0.05.
- Log back into your Truist Online Banking or Mobile App.
- Navigate back to the "Manage external accounts" section.
- You should see your pending external account listed. Click or tap on the option to "Verify" the account.
- Enter the exact amounts of the two micro-deposits you received.
- Click "Confirm" or "Verify Account".
- Once verified, you'll receive a confirmation, and your external account will be ready for transfers.
Step 6: Confirming Linked Account and Starting Transfers
Once the linking process is complete (either instantly or after verification), you're all set!
Tip: Take a sip of water, then continue fresh.
- You should now see your newly linked external account listed alongside your Truist accounts.
- You can now initiate transfers between your Truist accounts and your linked external accounts. Look for options like "Transfer money" or "Make a transfer" within the "Transfer & Pay" section.
- Select your "From" account (either Truist or external) and your "To" account.
- Enter the amount and frequency (one-time or recurring).
- Review the transfer details carefully before confirming.
Congratulations! You've successfully linked an external account to your Truist Bank. This powerful feature empowers you to manage your finances more effectively and move your money where and when you need it.
10 Related FAQ Questions: How to...
How to Find my Truist Routing and Account Number?
You can find your Truist routing number on the bottom left of your checks (the first nine digits), or by logging into your Truist online or mobile banking, selecting the account, and choosing "View account details." Your account number will also be there.
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How to Transfer Money from an External Account to Truist?
Once your external account is linked, log into Truist online or mobile banking, go to "Transfer & Pay," select "Transfer money," choose your linked external account as the "From" account and your Truist account as the "To" account, enter the amount, and confirm.
How to Transfer Money from Truist to an External Account?
After linking, log into Truist online or mobile banking, navigate to "Transfer & Pay," select "Transfer money," choose your Truist account as the "From" account and your linked external account as the "To" account, specify the amount, and submit.
QuickTip: Note key words you want to remember.
How to Check the Status of a Pending External Account Link?
If you used the micro-deposit method, log back into Truist online or mobile banking and go to the "Manage external accounts" section. Your pending account should be listed there, often with an option to complete the verification.
How to Troubleshoot if My External Account Linking Fails?
Double-check that you've entered the correct routing and account numbers. Ensure the name on the external account exactly matches your Truist account name. If using instant verification, verify your external bank's online banking credentials are correct. If issues persist, contact Truist customer service.
How to Delete a Linked External Account from Truist?
Log into Truist online or mobile banking, go to the "Manage external accounts" section. You should see an option (often an ellipsis "..." or a "Delete" button) next to the account you wish to remove. Follow the prompts to confirm deletion.
How to Know if My External Account is Successfully Linked?
After completing the linking process, your external account should appear in the list of your accounts within your Truist online or mobile banking, typically under a section like "Linked Accounts" or "External Accounts." You'll usually receive a confirmation message as well.
Tip: Reread sections you didn’t fully grasp.
How to Speed Up the Micro-Deposit Verification Process?
Unfortunately, the micro-deposit process is dependent on interbank processing times, which typically take 1-3 business days. There's no way to speed this up, so patience is key.
How to Link a Business Account to My Personal Truist Account?
Generally, banks require that linked accounts have matching ownership types (personal to personal, business to business). While you might be able to link accounts for viewing purposes via aggregation services, direct transfer linking for different ownership types might be restricted. Check with Truist directly for specific policies on this.
How to Contact Truist Customer Service for Linking Issues?
You can contact Truist customer service by calling their main support line (often found on their website under "Contact Us"), or by using the secure messaging feature within your Truist online or mobile banking. Providing screenshots or specific error messages can help them assist you more effectively.
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