You're ready to take control of your finances, and stopping an auto-payment on Truist is a smart step! Whether it's a subscription you no longer use, a loan you want to pay off differently, or simply a change in your budgeting strategy, this guide will walk you through the process step-by-step. Let's get started!
How to Turn Off AutoPay on Truist: A Comprehensive Guide
Turning off an auto-payment might seem daunting, but Truist offers several straightforward ways to manage your recurring payments. It's crucial to understand that the method you choose might depend on what type of auto-payment you're trying to stop. Is it a bill pay set up through Truist, a recurring transfer between your Truist accounts, or an auto-debit set up directly with a merchant using your Truist account? We'll cover the most common scenarios.
Step 1: Identify the Type of AutoPay You Want to Cancel
Before you do anything, take a moment to figure out exactly what kind of auto-payment you're dealing with. This is the most crucial first step, as it dictates the correct cancellation method.
Sub-heading: Is it a Truist Online Bill Pay?
This is an auto-payment you set up directly within Truist's online banking or mobile app to pay a third-party biller (e.g., your utility company, credit card, or insurance). You proactively told Truist to send money to a specific payee on a recurring basis.
Sub-heading: Is it a Recurring Transfer Between Truist Accounts?
This is an automatic transfer you set up to move money between your own Truist checking, savings, or loan accounts. For example, transferring money from your checking to savings every payday.
Sub-heading: Is it an Auto-Debit Set Up Directly with a Merchant?
This is where you provided your Truist account information (routing and account number) directly to a company (like a gym, streaming service, or another lender) and authorized them to pull payments from your account automatically. Truist is simply facilitating the payment at the merchant's request. This is often the trickiest to cancel.
Sub-heading: Is it a Truist Mortgage AutoPay?
Truist has a specific system for managing recurring mortgage payments. If you set up automatic payments for your Truist mortgage, there's a dedicated process.
Once you've identified the type, proceed to the relevant step below.
Step 2: Cancelling Truist Online Bill Pay or Recurring Transfers (via Online Banking)
If you set up the auto-payment yourself within Truist's online banking, this is generally the easiest to cancel.
Sub-heading: For Truist Online Bill Pay:
- Sign in to Truist Online Banking: Go to the official Truist website and log in to your account.
- Navigate to "Transfer & Pay" or "Bill Pay": Look for a menu option that says "Transfer & Pay," "Bill Pay," or "Payments." The exact wording might vary slightly.
- Find "Manage Payments" or "Scheduled Payments": Within the payment section, you should see an option to manage your existing payments or view your scheduled payments.
- Locate the Specific AutoPay: Scroll through your list of recurring payments. Identify the one you wish to cancel.
- Select "Delete" or "Cancel": There will typically be an "Edit," "Delete," or "Cancel" option next to the payment. Click on it.
- Confirm Your Cancellation: The system will usually ask you to confirm if you're sure you want to cancel the recurring payment. Read the prompt carefully and confirm.
- Receive Confirmation: You should receive an on-screen confirmation and often an email confirmation that the auto-payment has been successfully cancelled. Keep this for your records.
Sub-heading: For Recurring Transfers Between Truist Accounts:
- Sign in to Truist Online Banking: Access your account on the Truist website.
- Go to "Transfer & Pay": This is the main hub for moving money.
- Select "Transfer money & Pay Truist accounts": This option is specifically for internal transfers.
- Click "Manage Transfers": At the top of the screen, you'll find a "Manage Transfers" link.
- Navigate to "Recurring Transfers": Within "Manage Transfers," look for a tab or section labeled "Recurring Transfers."
- Find and Delete the Transfer: Locate the specific recurring transfer you want to stop. There should be an ellipsis icon (...) or a "Delete" button next to it. Click on it and confirm the deletion.
Step 3: Cancelling Truist Online Bill Pay or Recurring Transfers (via Mobile App)
The process is very similar on the Truist mobile app, offering convenience on the go.
Sub-heading: For Truist Online Bill Pay:
- Open and Log In to the Truist Mobile App: Launch the app on your smartphone or tablet and sign in.
- Tap on "Transfer & Pay" or "Payments": Look for the relevant icon or menu option at the bottom or top of the screen.
- Navigate to "Manage Payments" or "Scheduled Payments": Similar to online banking, find the section that lists your scheduled or recurring payments.
- Select the AutoPay: Tap on the specific auto-payment you want to cancel.
- Choose "Delete" or "Cancel Series": Tap the option to delete or cancel the recurring payment series.
- Confirm: Confirm your decision when prompted.
- Verify: Check for a confirmation message within the app.
Sub-heading: For Recurring Transfers Between Truist Accounts:
- Open and Log In to the Truist Mobile App: Access your account via the app.
- Tap "Transfer & Pay": Located in the bottom menu.
- Tap "Transfer money & Pay Truist Accounts": This button will lead you to internal transfers.
- On the "Transfer" screen, tap "Manage": This is crucial for viewing and editing recurring transfers.
- Tap on the Recurring Payment: In the "Scheduled" section, find and tap on the recurring transfer you wish to delete.
- Tap "Delete Series": Confirm your decision to delete the recurring payment.
Step 4: Cancelling Auto-Debits Set Up Directly with a Merchant
This scenario requires a two-pronged approach. You must contact both the merchant and Truist to ensure the payment stops permanently.
Sub-heading: Contact the Merchant First:
- Gather Information: Have your account number with the merchant, the amount of the payment, and the usual payment date handy.
- Contact the Merchant's Billing or Customer Service: Reach out to the company that is deducting the payments. This could be their customer service line, their online account portal, or even sending them a written notice.
- Clearly State Your Intention: Inform them that you wish to revoke authorization for automatic debits from your Truist account.
- Request Confirmation: Ask for written confirmation (email is usually sufficient) that the auto-payment has been cancelled on their end. This is extremely important for your records. Note the date and time of your call and the name of the representative if you speak to someone.
- Understand Their Policy: Be aware of their cancellation policy. Some companies require a certain notice period (e.g., 30 days) before the next scheduled payment.
Sub-heading: Notify Truist (Optional but Highly Recommended):
Even after contacting the merchant, it's a good practice to inform Truist. This acts as a safety net.
- Contact Truist Customer Service: Call Truist's customer service line. You can typically find this number on the back of your debit card, your bank statement, or on the Truist website.
- Explain the Situation: Tell the representative that you have revoked authorization with a specific merchant for automatic debits from your account. Provide the merchant's name, the amount, and the date of the last expected payment.
- Request a "Stop Payment Order": You can request a "stop payment order" for the specific merchant's debits. Be aware that Truist may charge a fee for this service, and it might be valid for a limited time (e.g., six months). If you want to stop all future payments indefinitely, you might need to submit your request in writing.
- Follow Up in Writing (If Required): If Truist requests a written request, send it promptly, including all relevant details. Keep a copy for yourself.
Step 5: Cancelling Truist Mortgage AutoPay
Truist has specific instructions for cancelling recurring mortgage payments.
- Visit the Truist Mortgage Payment Portal: Go to
truist.com/myhomepayment - Log In to Your Mortgage Account: Access your mortgage account.
- Look for Payment Management Options: Navigate to the section for managing payments, often labeled "Manage and Pay" or similar.
- Find Recurring Payments: Locate the option to view or modify your recurring payments.
- Cancel or Modify: You should find an option to cancel the automatic payments.
- Alternatively, Use the Form: Truist also provides a "Mortgage Recurring Payment Authorization Form" (PDF) on their website. You can download, complete, and mail or fax this form to the address or fax number provided on the form itself.
- Mail to: Truist Bank, P.O. Box 1868, Greenville, SC 29602-1868
- Fax to: 844-217-5137
- Note the Deadline: For mortgage payments, Truist generally requires requests to be received at least seven days before your next draft date to edit or cancel the recurring payment.
Step 6: Confirm and Monitor Your Account
This is a critical step, regardless of how you cancelled the auto-payment.
- Check Your Truist Account Regularly: After cancellation, monitor your account statements and transactions very closely for the next few billing cycles. Ensure the payment doesn't go through.
- Look for Confirmation: Verify that you received confirmation from Truist (and the merchant, if applicable) that the auto-payment has been stopped.
- What if it Still Goes Through? If an unauthorized payment still debits your account after you've followed these steps, contact Truist immediately. Federal law provides protections for unauthorized electronic debits, but you must report them promptly.
Important Considerations:
- Timing is Everything: For any cancellation, especially with merchants or stop payment orders, be mindful of deadlines. Most require a few business days' notice before the scheduled debit.
- Alternative Payment Methods: Remember that stopping an auto-payment doesn't necessarily cancel the underlying bill or subscription. You'll need to arrange an alternative payment method to avoid late fees or service interruptions.
- Fees for Stop Payments: While cancelling auto-payments set up through Truist's bill pay usually doesn't incur fees, initiating a "stop payment order" for a merchant-initiated debit might come with a fee from Truist. Inquire about any potential charges when you call.
- Documentation: Always keep records of your cancellation requests, including dates, times, names of representatives, and any confirmation numbers or emails.
10 Related FAQ Questions
Here are 10 frequently asked questions, all starting with "How to," along with their quick answers, to help you navigate auto-pay management on Truist.
How to check if an auto-payment is active on my Truist account?
Log in to Truist Online Banking or the mobile app, navigate to "Transfer & Pay" or "Bill Pay," and look for "Manage Payments," "Scheduled Payments," or "Recurring Transfers" to see all active auto-payments.
How to change the amount of an existing Truist auto-payment?
For payments set up through Truist Bill Pay or recurring transfers, log in to online banking or the mobile app, go to "Manage Payments/Transfers," select the specific recurring payment, and choose the "Edit" option to modify the amount.
How to stop an auto-payment that was set up directly with a merchant (not through Truist Bill Pay)?
First, contact the merchant directly to revoke authorization. Then, consider contacting Truist to place a stop payment order as a backup, though fees may apply.
How to find the customer service number for Truist to assist with auto-pay issues?
You can usually find the Truist customer service number on the back of your debit card, on your bank statements, or by visiting the "Contact Us" section on the official Truist website. The general number is 844-4TRUIST (844-487-8478).
How to ensure an auto-payment is truly cancelled and won't reoccur?
Always request confirmation of cancellation from both Truist (if applicable) and the merchant. Then, diligently monitor your Truist account statements for the next 1-2 billing cycles to verify no further debits occur.
How to cancel a Truist mortgage auto-payment?
You can cancel via the Truist mortgage payment portal online (
How to avoid late fees after cancelling an auto-payment?
Immediately set up an alternative payment method for the bill or subscription you were paying automatically. This could be a one-time manual payment, setting up a new auto-pay with a different method, or contacting the merchant to pay directly.
How to handle an unauthorized auto-payment after I cancelled it?
Contact Truist immediately (within 60 days of the statement date showing the unauthorized payment) to dispute the charge. Provide all documentation of your cancellation request.
How to cancel auto-pay on my Truist credit card?
If you set up auto-pay for your Truist credit card through Truist's online banking, follow the "Truist Online Bill Pay" steps. If it was set up by a merchant, follow the "Auto-Debits Set Up Directly with a Merchant" steps.
How to know the deadline for cancelling an auto-payment with Truist?
For recurring transfers or bill pay set up through Truist, it's generally best to cancel at least 1-3 business days before the scheduled payment date. For mortgage payments, it's 7 days. For merchant-initiated debits, confirm with both the merchant and Truist, allowing a few business days for a stop payment order if needed.