Paying bills and managing your finances on the go has never been easier, thanks to mobile banking apps. If you're a Truist customer, their mobile app offers a convenient and secure way to handle your payments. So, are you ready to take control of your finances from the palm of your hand? Let's dive in!
This comprehensive guide will walk you through every step of paying with the Truist app, from setting it up to mastering its various payment features.
How to Pay with the Truist App: Your Ultimate Step-by-Step Guide
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| How To Pay With Truist App |
Step 1: Get Started - Download and Log In to the Truist App
Before you can unlock the power of mobile payments, you need the Truist app on your device.
Sub-heading: Downloading the App
- For iOS users: Open the App Store on your iPhone or iPad. Search for "Truist Mobile" and tap "Get" to download.
- For Android users: Open the Google Play Store on your Android device. Search for "Truist Mobile" and tap "Install" to download.
Sub-heading: First-Time Login and Setup
If this is your first time logging in to the Truist app, you'll need to go through a quick setup process. This usually involves:
- Entering your User ID and Password: These are the same credentials you use for Truist online banking.
- Verifying your identity: Truist employs strong security measures. You might receive a one-time passcode via text message or email, or be asked to answer security questions.
- Setting up biometric login (optional but recommended): For quick and secure access in the future, consider enabling Face ID (for iOS) or Touch ID/Fingerprint (for Android) if your device supports it. This makes logging in a breeze!
- Reviewing and accepting agreements: You'll likely need to acknowledge the terms and conditions for using the mobile banking services.
Once you're successfully logged in, you'll land on your personalized dashboard, ready to explore the app's features.
Tip: Don’t overthink — just keep reading.
Step 2: Navigating to the Payments Section
The core of your payment activity in the Truist app lies within the "Transfer & Pay" section.
Sub-heading: Locating "Transfer & Pay"
- Look for the navigation menu, typically located at the bottom of the screen.
- Tap on "Transfer & Pay". This will open up a hub for all your money movement needs.
Step 3: Making a Bill Payment
This is likely the most common payment you'll make using the Truist app. Whether it's your electricity bill, credit card, or internet service, Truist Bill Pay makes it convenient.
Sub-heading: Initiating a Bill Payment
- Within the "Transfer & Pay" section, look for the tile or option labeled "Pay bills". Tap on it.
- You'll be presented with a list of your existing payees (companies or individuals you've paid before).
Sub-heading: Paying an Existing Payee
- To pay a payee already set up, simply select the payee from the list.
- Enter the amount you wish to pay.
- Choose the "From" account – this is the Truist account (checking or savings) from which the payment will be drawn.
- Select the "Deliver by" date. This is the date you want the payment to reach the payee. Be mindful of processing times and choose a date a few business days before your actual due date to avoid late fees.
- Indicate if it's a "One-time" or "Recurring" payment. If recurring, you'll set the frequency (e.g., weekly, bi-weekly, monthly) and duration.
- Optionally, add a memo for your records.
- Tap "Continue" or "Next".
Sub-heading: Adding a New Payee
If the company or person you want to pay isn't on your list:
- Look for an option like "Add a Payee" or a similar button (often a "+" icon).
- You'll typically have two options:
- Add a Company from Directory: Start typing the name of the company. Truist's system will try to match it with their directory. If found, select it and proceed to enter your account number with that company.
- Add a Person/Company Manually: If the company isn't in the directory, or if you're paying an individual, you'll need to manually enter their details, including:
- Payee Name
- Payee Address
- Account Number (for the biller)
- Phone Number (optional)
- Once the payee details are entered, you can proceed to make the payment as described in "Paying an Existing Payee."
Sub-heading: Review and Submit Your Payment
- Before finalizing, you'll see a "Review & Submit" screen. Carefully review all the details: payee, amount, "from" account, and "deliver by" date.
- If everything looks correct, tap "Submit Payment" or a similar confirmation button.
- You'll receive a confirmation message, often with a confirmation number, that your payment has been scheduled.
Step 4: Transferring Money Between Accounts
Beyond paying bills, the Truist app makes it simple to move money between your own Truist accounts or even to external accounts.
QuickTip: Scroll back if you lose track.
Sub-heading: Internal Transfers (Truist to Truist)
- From the "Transfer & Pay" section, select "Transfer money & Pay Truist Accounts".
- Choose your "From" account and your "To" account from your list of Truist accounts (e.g., moving money from checking to savings).
- Enter the amount you wish to transfer.
- Specify if it's a "One-time" or "Recurring" transfer.
- Tap "Continue" and then "Submit" after reviewing.
Sub-heading: External Transfers (Truist to Non-Truist Accounts)
- First, you'll need to add the external account. From "Transfer & Pay," look for "Manage external accounts" or "Add non-Truist account." You'll need the external bank's routing number and account number, and potentially other verification steps.
- Once the external account is added and verified, you can initiate a transfer.
- Select the "From" Truist account and the "To" external account.
- Enter the amount.
- Choose the transfer frequency (one-time or recurring) and date.
- Review and submit. Be aware that external transfers might have longer processing times and potential fees.
Step 5: Managing Your Payments and Transfers
The Truist app doesn't just let you make payments; it also provides tools to manage them.
Sub-heading: Viewing and Editing Scheduled Payments
- From "Transfer & Pay," look for "Manage Payments" or "Manage Transfers."
- Here, you can see a list of your scheduled and past payments/transfers.
- To edit or delete a scheduled payment/transfer, tap on the ellipsis (...) or a similar icon next to the entry. You can then modify details or cancel it if needed.
Sub-heading: Managing Payees
- Within "Transfer & Pay," find "Manage Payees."
- This allows you to edit payee information (e.g., a new account number for a biller) or delete payees you no longer need.
Step 6: Utilizing Zelle® for Person-to-Person Payments
For quick payments to friends, family, or other trusted individuals, Truist integrates with Zelle®.
Sub-heading: Sending Money with Zelle®
- From "Transfer & Pay," select the "Send & Request Money with Zelle®" option.
- If it's your first time, you may need to enroll in Zelle® through the app.
- Tap "Send Money."
- Select a recipient: You can choose from your phone's contacts, or manually enter their U.S. mobile number or email address. Ensure you are sending money to people you trust, as Zelle payments are generally irreversible.
- Enter the amount.
- Select the "From" account (your Truist checking or savings).
- Add an optional memo.
- Review and send. The money typically moves within minutes between enrolled users.
Sub-heading: Requesting Money with Zelle®
- From the Zelle® section, tap "Request Money."
- Select the person from whom you are requesting money.
- Enter the amount and an optional note.
- Review and send the request.
Step 7: Exploring Other Payment Options (Digital Wallets)
While not directly "within" the Truist app for payment initiation, the app facilitates adding your Truist cards to popular digital wallets.
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Sub-heading: Adding Cards to Digital Wallets
- Navigate to your Card Controls or Digital Wallet section within the Truist app (the exact location might vary slightly).
- You'll find options to add your Truist debit or credit cards to services like:
- Apple Pay®
- Google Wallet™
- Samsung Pay®
- Paze™ (a newer online checkout option)
- Follow the on-screen prompts, which usually involve verifying your card and accepting terms.
- Once added, you can use your phone or smartwatch to make contactless payments at supported merchants by simply tapping your device. This is an incredibly convenient way to pay without even pulling out your physical card!
10 Related FAQ Questions (How to...)
Here are some common questions you might have about paying with the Truist app:
Tip: Reread complex ideas to fully understand them.
How to check my pending payments in the Truist app?
You can typically check your pending payments by navigating to the "Transfer & Pay" section and then selecting "Manage Payments" or "Manage Transfers." This will show you a list of all your scheduled and recent transactions.
How to set up recurring payments for my mortgage in the Truist app?
To set up recurring mortgage payments, go to the "Transfer & Pay" section, then "Pay bills." If your mortgage is already a payee, select it. When entering the payment details, choose the "Recurring" option and set the frequency (e.g., monthly) and duration.
How to add an external bank account for transfers in the Truist app?
From the "Transfer & Pay" section, look for an option like "Manage external accounts" or "Add non-Truist account." You'll need the external bank's routing number and your account number for verification.
How to use Zelle® in the Truist app?
Within the "Transfer & Pay" section, tap on "Send & Request Money with Zelle®." If you're a first-time user, you'll need to enroll. Then, you can send or request money using a recipient's U.S. mobile number or email address.
QuickTip: Compare this post with what you already know.
How to edit a scheduled bill payment in the Truist app?
Go to "Transfer & Pay" and then "Manage Payments." Find the scheduled payment you wish to edit, tap the ellipsis (...) or a similar icon next to it, and select the edit option to modify the payment details.
How to cancel a payment in the Truist app?
To cancel a scheduled payment, navigate to "Transfer & Pay" and "Manage Payments." Locate the payment, tap on the ellipsis (...), and choose the option to delete or cancel the payment. Be aware of cut-off times for cancellation.
How to get a confirmation of my payment in the Truist app?
After successfully submitting a payment, the Truist app will typically display a confirmation screen with a confirmation number. You can also often view payment history within the "Manage Payments" section, which will show completed transactions.
How to view my bill pay history in the Truist app?
Your bill pay history can be accessed through the "Manage Payments" section within "Transfer & Pay." This will display a record of all your past bill payments.
How to add my Truist card to a digital wallet using the app?
While not directly initiating payments, you can often link your Truist cards to digital wallets like Apple Pay, Google Wallet, or Samsung Pay through the "Card Controls" or "Digital Wallet" section within the Truist app. Follow the prompts to add and verify your card.
How to find my Truist account number for bill payments?
You can typically find your Truist account number by logging into the Truist app and navigating to the details of the specific account (e.g., checking or savings). The account number will be listed there. You can also find it on your checks or bank statements.
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