It's fantastic that you're looking to set up direct deposit with Truist! It's one of the smartest financial moves you can make, offering unparalleled convenience, security, and often, quicker access to your funds. No more waiting for paper checks, no more trips to the bank – just seamless transfers straight into your account.
This comprehensive guide will walk you through every step of the process, ensuring you have all the information you need
Your Ultimate Guide to Setting Up Direct Deposit with Truist
Step 1: Gather Your Truist Account Information - The Essentials You'll Need
Before you can tell your employer or other payer where to send your money, you need to know exactly where it's going. This means having your Truist account details readily available.
Sub-heading: What You're Looking For:
- Your Truist Routing Number: This is a 9-digit code that identifies Truist Bank itself. For most Truist accounts, the routing number for ACH (Automated Clearing House) transfers, which direct deposits use, is 061000104. It's always a good idea to double-check this, especially if you opened your account in a different region or have a specialized account.
- Your Truist Account Number: This is the specific number for your individual checking or savings account. It's typically longer than the routing number.
Sub-heading: Where to Find This Information:
- On a Personal Check: Look at the bottom of one of your Truist checks. The routing number is the first 9-digit number on the bottom left. Your account number is usually the next set of numbers to the right (often 13 digits).
- Through Truist Online Banking: This is often the easiest and most reliable method.
- Sign in to your Truist online banking account.
- Navigate to your specific checking or savings account.
- Look for "Account Details," "Account Information," or similar links. Your routing and account numbers should be clearly displayed.
- On the Truist Mobile App: Similar to online banking, you can typically find your account details within the app by selecting your account.
- By Contacting Truist Customer Service: If you're having trouble finding it, don't hesitate to call Truist customer service at 844-4TRUIST (844-487-8478). They can securely provide you with your account information.
- On a Bank Statement: Your account and routing numbers are usually printed on your monthly bank statements.
Step 2: Obtain the Direct Deposit Form from Your Payer - The Employer's Role
Once you have your Truist account information, the next crucial step is to get the necessary direct deposit form from the entity that will be paying you. This is most commonly your employer, but it could also be a government agency (for Social Security, unemployment benefits), a pension provider, or another organization.
Sub-heading: Common Scenarios:
- For Employment Income:
- Human Resources (HR) Department: Your HR department is usually the first point of contact for payroll matters. They will provide you with their specific direct deposit enrollment form.
- Payroll Department/Administrator: Smaller companies might have a dedicated payroll administrator.
- Online Employee Portal: Many modern companies offer an online portal where you can manage your payroll settings, including direct deposit, directly.
- For Government Benefits (e.g., Social Security, Unemployment):
- Government agencies typically have their own direct deposit enrollment forms available on their official websites or by mail. For Social Security, you can often set it up directly through their online portal. For unemployment benefits, check your state's unemployment agency website.
- For Other Recurring Payments:
- If you're setting up direct deposit for something like a pension, investment dividends, or other recurring income, the payer will provide their specific instructions and forms.
Sub-heading: What to Expect on the Form:
The direct deposit form, regardless of the source, will typically ask for:
- Your Full Name
- Your Employee ID or Identification Number (if applicable)
- The Name of Your Bank (Truist Bank)
- Your Truist Routing Number
- Your Truist Account Number
- The Type of Account (Checking or Savings)
- The Amount or Percentage of the Deposit (e.g., 100% of net pay, or a specific dollar amount if you want to split deposits)
- Your Signature and Date
Pro Tip: Some employers may also request a voided check. This helps them visually verify your routing and account numbers. To void a check, simply write "VOID" in large letters across the front of the check using a pen, ensuring it's clearly legible but doesn't obscure the routing or account numbers.
Step 3: Complete the Direct Deposit Form Accurately - Attention to Detail is Key!
This is arguably the most critical step. Any error in your routing or account number can lead to delays in your payment, or worse, your funds being deposited into the wrong account.
Sub-heading: Filling Out the Form:
- Write Clearly and Legibly: If you're filling out a paper form, use a dark pen and ensure your handwriting is easy to read.
- Double-Check Every Digit: Compare the routing and account numbers you write on the form at least twice against your Truist check, online banking, or mobile app. A single transposed digit can cause significant problems.
- Specify Account Type: Clearly indicate whether the deposit should go to your checking or savings account.
- Designate Deposit Amount: Most people choose to direct deposit 100% of their net pay. However, some forms allow you to split deposits, sending a specific amount or percentage to different accounts (e.g., $100 to savings, the rest to checking). Make sure your intentions are clear.
- Sign and Date: Don't forget to sign and date the form as required. An unsigned form will be rejected.
Sub-heading: Attaching a Voided Check (If Required):
If your employer or payer requires a voided check, make sure you attach it securely to the completed form. This acts as an extra layer of verification.
Step 4: Submit the Form to Your Payer - The Hand-off
Once the form is filled out accurately and completely, it's time to submit it.
Sub-heading: Submission Methods:
- To Your HR/Payroll Department: This is the most common method for employment-related direct deposits. Follow their specific instructions for submission, which might include:
- Hand-delivery
- Scanning and emailing to a secure payroll email address
- Uploading through an online employee portal
- Mailing (less common for initial setup due to potential delays)
- For Government Benefits: Submit the form according to the instructions provided by the respective agency (e.g., mail, online portal).
Sub-heading: Confirmation and Follow-up:
- Ask for Confirmation: When you submit the form, ask your HR or payroll department for an estimated timeframe for when the direct deposit will take effect.
- First Deposit Verification: It's crucial to monitor your Truist account for your first direct deposit. Your employer may issue one more paper check before the direct deposit starts. Once the direct deposit is active, verify that the correct amount has been deposited into your account.
- Keep a Copy: Always keep a copy of the completed direct deposit form for your records. This can be invaluable if any issues arise.
Step 5: Verify Your Direct Deposit - Peace of Mind
After submitting the form, it's natural to wonder when your funds will start flowing directly into your Truist account.
Sub-heading: What to Expect:
- Processing Time: Direct deposit typically takes one to three business days to process once your employer initiates it. The first direct deposit might take a bit longer as your employer verifies the account information (sometimes called a "prenote" process).
- Monitor Your Account: The easiest way to verify is to regularly check your Truist account balance and transaction history through:
- Truist Online Banking
- Truist Mobile App
- Truist ATMs
- Calling Truist Customer Service
Sub-heading: Troubleshooting (If Needed):
- Delay in First Deposit: If your first expected direct deposit doesn't appear, first contact your employer's HR or payroll department. They can confirm if the direct deposit was initiated and provide a tracking number if available.
- Incorrect Amount: If the amount is incorrect, again, contact your employer's payroll department immediately.
- Still No Deposit After Employer Confirmation: If your employer confirms the direct deposit was sent and you still don't see it in your Truist account within the expected timeframe, then contact Truist customer service at 844-4TRUIST (844-487-8478). Have your account details and any information from your employer ready.
Setting up direct deposit with Truist is a straightforward process that offers significant benefits. By following these steps carefully, you'll be enjoying the convenience of automated payments in no time!
10 Related FAQ Questions
How to Find My Truist Routing Number?
You can find your Truist routing number on the bottom left of your personal checks, within your online banking account details, on the Truist mobile app, or by calling Truist customer service. The common ACH routing number for Truist is 061000104.
How to Find My Truist Account Number?
Your Truist account number is located on your personal checks (typically to the right of the routing number), in your online banking account information, on the Truist mobile app, or on your bank statements.
How to Get a Truist Direct Deposit Form?
You typically obtain the direct deposit form from your employer's HR or payroll department. For government benefits, check the respective agency's website. Truist also provides a generic direct deposit enrollment form on their website which you can fill out and provide to your payer.
How to Fill Out a Truist Direct Deposit Form?
Fill out the form with your full name, your Truist Bank's name, your Truist routing number, your Truist account number, and specify if it's a checking or savings account. Double-check all numbers for accuracy, and sign and date the form.
How to Submit My Truist Direct Deposit Form?
Submit the completed form to your employer's HR or payroll department, following their preferred method (e.g., in person, via secure online portal, or email). For government benefits, submit as instructed by the agency.
How to Check if My Truist Direct Deposit is Active?
Monitor your Truist account through online banking or the mobile app. You will see the direct deposit transactions appear in your account history once it's active. Your employer's payroll department can also confirm if the setup is complete.
How to Change My Direct Deposit Information with Truist?
To change your direct deposit, you'll need to obtain a new direct deposit form from your employer or payer, fill it out with the updated Truist account information, and resubmit it.
How to Troubleshoot a Missing Truist Direct Deposit?
First, contact your employer's HR or payroll department to confirm if the deposit was initiated and sent. If they confirm it was sent, then contact Truist customer service with your account details and the information from your employer.
How to Set Up Direct Deposit for Unemployment Benefits with Truist?
Contact your state's unemployment benefits agency. They will provide specific instructions and a direct deposit enrollment form that you will fill out with your Truist routing and account numbers, and then submit to them.
How to Get a Voided Check for Truist Direct Deposit?
To get a voided check, simply take one of your blank Truist checks and write "VOID" in large, clear letters across the front of the check. Ensure the routing and account numbers at the bottom remain legible.