Ready to conquer your mortgage payment with ease? Paying your Truist mortgage online is a convenient and secure way to manage your home loan, saving you time and the hassle of mailing checks. This comprehensive guide will walk you through every step, ensuring a smooth and successful payment experience. Let's get started!
The Ultimate Guide: How to Pay Your Truist Mortgage Online
Gone are the days of rummaging for stamps or remembering to drop a check in the mail. Truist offers robust online banking and mobile app solutions that make managing your mortgage a breeze. Whether you're making a one-time payment or setting up recurring debits, their digital platforms are designed for your convenience.
Step 1: Are You Ready to Go Digital? - Accessing Your Truist Online Account
The very first step in paying your Truist mortgage online is ensuring you have access to their digital banking platform. If you're already enrolled, fantastic! If not, don't worry, it's a straightforward process.
Sub-heading: Already Enrolled?
- Log In: Navigate to the official Truist website (truist.com) or open your Truist Mobile App. Look for the "Sign In" button, usually located in the top right corner of the website or prominently displayed on the app's home screen.
- Enter Credentials: Input your User ID and Password. If you've forgotten them, look for "Forgot User ID" or "Forgot Password" links to reset them.
Sub-heading: New to Truist Online Banking?
- Enrollment is Key: If you haven't enrolled yet, you'll need to do so. On the Truist website, look for an option like "Enroll Now" or "Sign Up for Online Banking."
- Provide Information: You'll typically need your account number, Social Security number, and other personal verification details to set up your online profile.
- Create Credentials: Follow the prompts to create your unique User ID and a strong Password. Remember to choose something secure that you can easily recall.
Step 2: Finding Your Mortgage - Navigating to the Payment Section
Once you're logged into your Truist online banking or mobile app, the next step is to locate your mortgage account and the payment options.
Sub-heading: On the Website
- Dashboard View: After logging in, you'll usually land on your account dashboard. Here, you should see a summary of all your Truist accounts, including checking, savings, and loans.
- Locate Mortgage: Identify your mortgage account from the list. It might be labeled something like "Mortgage," "Home Loan," or "Residential Mortgage." Click on it to view its details.
- Find Payment Options: Within your mortgage account details, look for options related to "Payments," "Make a Payment," or "Transfer & Pay." This is where you'll initiate your payment.
Sub-heading: On the Mobile App
- Bottom Menu: The Truist Mobile App often has a navigation bar at the bottom. Look for "Accounts" or "Transfer & Pay."
- Select Mortgage: Tap on "Accounts" and then select your mortgage loan from the displayed list. For certain loans like Access3 or HELOC, you might need to select the "SUMMARY" account.
- Initiate Payment: Once you're in the mortgage account view, you should see a prominent "Make Payment" button or a similar option. Tap on this to proceed.
Step 3: The Payment Details - Entering Your Payment Information
Now that you've found the payment section, it's time to input the specifics of your payment.
Sub-heading: Choosing Your Payment Type
- One-Time Payment: This is for making a single payment. Ideal if you pay manually each month or want to make an extra principal payment.
- Recurring Payment (AutoPay): Highly recommended for consistency, this option allows you to set up automatic, regularly scheduled payments. This helps avoid late fees and ensures your payment is always on time.
Sub-heading: Specifying Payment Amount and Date
- Payment Amount: Your current minimum payment due will likely be pre-populated. You'll have the option to pay that amount, or enter a different amount if you wish to pay extra. Paying extra principal can significantly reduce the overall interest paid and shorten your loan term.
- Payment Date: Select the date you want the payment to be processed. If setting up a recurring payment, you'll choose the frequency (e.g., monthly, bi-weekly) and the start date.
- From Account: Choose the account from which you want to make the payment. This can be a Truist checking or savings account, or an external account you've linked (see Step 4).
Step 4: Funding Your Payment - Linking External Accounts (If Needed)
If you plan to pay your Truist mortgage from an account at another bank, you'll need to link that external account.
- Navigate to External Accounts: Within the "Transfer & Pay" section, look for an option like "Manage External Accounts" or "Add non-Truist account."
- Add Account Details: You'll typically need to provide the routing number and account number of your external checking or savings account.
- Verification: Truist will likely initiate small "trial deposits" to your external account (usually less than a dollar). You'll then need to verify these amounts back on the Truist platform to confirm ownership. This process usually takes 1-3 business days. Be patient, this is a crucial security step!
Step 5: Review and Confirm - Finalizing Your Payment
Before your payment is submitted, Truist will provide a summary for your review. This is a critical step to ensure accuracy.
- Review All Details: Carefully check the payment amount, the date it will be processed, and the account it's coming from. Make sure your mortgage account is correctly designated as the "To" account.
- Terms and Conditions: For recurring payments, you'll likely need to review and accept the terms and conditions related to automatic debits.
- Submit Payment: Once you've verified everything, click or tap the "Submit Payment" or "Confirm" button. You should receive a confirmation message or email. Keep this confirmation for your records.
Step 6: Stay Informed - Monitoring Your Payment
After submitting your payment, it's a good practice to monitor its status.
- Confirmation: You should receive an immediate on-screen confirmation and often an email confirmation.
- Payment History: You can typically view your payment history within your online banking or mobile app. This will show pending and processed payments.
- Account Balance: Check your mortgage account balance in a few business days to ensure the payment has been successfully applied and reflected.
10 Related FAQ Questions
Here are some quick answers to common questions about paying your Truist mortgage online:
How to set up recurring Truist mortgage payments?
To set up recurring payments, log in to Truist Online Banking or the mobile app, navigate to your mortgage account, select "Make a Payment," choose the "Recurring" option, specify the amount, frequency, and start date, and then review and confirm.
How to find my Truist mortgage account number online?
Your mortgage account number is typically displayed within your online banking portal when you view your mortgage account details. It will also be on your monthly billing statements.
How to view my Truist mortgage statements online?
Log in to your Truist online account or mobile app, go to your mortgage account, and look for a "Statements" or "Documents" section where you can view and download your periodic billing statements.
How to change my payment due date for my Truist mortgage?
Changing your mortgage payment due date typically requires contacting Truist Mortgage Customer Service directly. This often involves a formal request and may not always be possible or may have specific requirements.
How to make an extra principal payment on my Truist mortgage online?
When making a one-time payment online, simply enter an amount greater than your regular monthly payment. Truist will typically apply any overage to your principal balance, but it's always a good idea to confirm this within the payment portal or contact them if unsure.
How to troubleshoot online payment issues with Truist?
If you encounter issues, first verify your internet connection and ensure you're using the correct login credentials. If problems persist, clear your browser's cache and cookies, or try a different browser or device. If still unsuccessful, contact Truist customer service at the numbers provided on their website.
How to pay my Truist mortgage from a non-Truist bank account?
You'll need to link your external bank account within the "Transfer & Pay" section of Truist Online Banking or the mobile app. This involves providing your external account's routing and account numbers and verifying small trial deposits.
How to cancel a scheduled Truist mortgage payment online?
You can usually cancel a scheduled payment within the "Manage Transfers" or "Manage Payments" section of your Truist online account or mobile app, provided it hasn't already been processed.
How to find Truist mortgage customer service contact information?
You can find Truist mortgage customer service phone numbers on their official website, typically in the "Contact Us" or "Product & Service Directory" sections. For mortgage-specific inquiries, the number is usually 800-634-7928.
How to get payment confirmation after paying my Truist mortgage online?
After submitting your payment online, you'll usually receive an on-screen confirmation message. Truist also typically sends an email confirmation to the email address on file for your account. You can also verify the payment in your online banking payment history.
