You're ready to take control of your finances, and stopping an autopay on the Truist app is a smart move towards that goal! Whether it's a forgotten subscription, a payment you no longer need, or simply a desire for more manual control, we've got you covered. This comprehensive guide will walk you through every step to successfully turn off autopay on your Truist app.
Let's dive in and get those automatic payments sorted!
How to Turn Off Autopay on the Truist App: A Step-by-Step Guide
It's important to remember that while the Truist app is designed for user-friendliness, the exact steps can vary slightly depending on the type of autopay you've set up (e.g., bill pay to a third party, recurring transfers between your own accounts, or autopay for a Truist loan/credit card). We'll cover the most common scenarios.
Step 1: Log In to Your Truist Mobile Banking App
- Engage with your app: Open the Truist app on your smartphone or tablet. Do you have your login credentials handy? If not, take a moment to retrieve them. This is the gateway to managing your financial life with Truist.
- Secure Access: Enter your User ID and Password. If you have biometric login (fingerprint or facial recognition) enabled, you can use that for a quicker, more secure entry.
Step 2: Navigate to the "Transfer & Pay" Section
Once you're logged in, you'll see your account dashboard. This is where you get a quick overview of your balances. To manage payments, you need to find the dedicated "Transfer & Pay" section.
- Locate the Menu: Look for a menu icon, usually three horizontal lines (often called a "hamburger menu") or a clear "Transfer & Pay" button on the main screen or bottom navigation bar. Tap on it.
- Explore Options: Within "Transfer & Pay," you'll typically find options like:
- Make a Transfer
- Pay Bills
- Send & Request Money with Zelle®
- Manage Transfers
- Manage Payments
- Manage Payees
Step 3: Identify the Type of Autopay You Wish to Cancel
This is a crucial distinction. Autopays can be set up in a few different ways within the Truist ecosystem.
Sub-heading 3.1: Canceling Autopay for a Bill Payment (to an external company)
If you set up an autopay to pay your utility bill, credit card (from another bank), or any other recurring bill to a third party through Truist's Bill Pay service, follow these steps:
- Select "Manage Payments": From the "Transfer & Pay" menu, tap on "Manage Payments."
- Find Your Scheduled Payments: You'll likely see a list of your scheduled and past payments. Look for a tab or filter that shows "Recurring Payments" or "Scheduled Payments."
- Locate the Specific Autopay: Scroll through the list to find the particular autopay you want to cancel. It will usually show the payee, the amount, and the frequency.
- Initiate Cancellation:
- Tap on the specific recurring payment.
- Look for an option to "Edit" or "Delete" the payment. You'll want to choose Delete.
- The app may ask for confirmation. Carefully review the details before confirming the cancellation to ensure you're stopping the correct payment.
- Confirm the deletion.
Sub-heading 3.2: Canceling Autopay for Recurring Transfers Between Your Truist Accounts
If you've set up automatic transfers between your own Truist checking, savings, or even investment accounts, the process is slightly different.
- Select "Manage Transfers": From the "Transfer & Pay" menu, tap on "Manage Transfers."
- View Recurring Transfers: Similar to bill payments, you'll want to find a section for "Recurring Transfers" or "Scheduled Transfers."
- Choose the Transfer to Cancel: Identify the specific recurring transfer you wish to stop.
- Delete the Transfer:
- Tap on the transfer.
- Look for an option to "Edit" or "Delete" the transfer. Select Delete.
- Confirm your decision.
Sub-heading 3.3: Canceling Autopay for a Truist Loan or Credit Card
If you set up autopay specifically for a Truist mortgage, auto loan, personal loan, or Truist credit card, the cancellation might be managed directly within that account's details.
- Go to Account Details: From your main dashboard, tap on the specific Truist loan or credit card account for which you have autopay set up.
- Look for Payment Options: Within the account details, navigate to a section like "Payment Options," "Manage Payments," or "Autopay Settings."
- Disable Autopay: There should be a clear option to "Disable Autopay," "Cancel Autopay," or modify your recurring payment.
- Confirm: Follow the prompts to confirm the cancellation. Pay close attention to any messages about when the cancellation will take effect. It's possible a payment already "in process" may still go through.
Step 4: Confirm the Cancellation and Verify
After you've initiated the cancellation, it's absolutely vital to confirm and verify it.
- Look for Confirmation: The Truist app should provide a confirmation message indicating that the autopay has been successfully canceled. Take a screenshot of this confirmation for your records.
- Check Scheduled Payments: Go back to the "Manage Payments" or "Manage Transfers" section and verify that the recurring payment or transfer you just canceled is no longer listed as active or scheduled.
- Monitor Your Account: For the next billing cycle or two, closely monitor your bank account statement to ensure that the automatic payment does not go through. If it does, contact Truist customer service immediately.
- Contact the Biller (if applicable): If you canceled an autopay for a bill (Sub-heading 3.1), it's a best practice to also contact the company you were paying directly to inform them of the cancellation and set up an alternative payment method if needed. This ensures you don't miss a payment and incur late fees.
Important Considerations:
- Timing is Key: Autopay cancellations often require a few business days to process. If a payment is scheduled to debit very soon, it might still go through. Always try to cancel well in advance of the next due date.
- Outstanding Balances: Canceling autopay does not cancel your obligation to pay any outstanding balances or future bills. You'll need to make manual payments or set up a new payment method.
- Terms and Conditions: Be aware of any terms and conditions related to canceling autopay for specific loans or services. Some loans might offer a slight interest rate discount for setting up autopay, which you might lose upon cancellation.
10 Related FAQ Questions:
How to check if I have autopay set up on Truist app?
You can check by logging into your Truist app, navigating to "Transfer & Pay," and then selecting "Manage Payments" or "Manage Transfers" to view your scheduled and recurring transactions.
How to stop a single upcoming autopay on Truist app without canceling the recurring one?
To stop a single upcoming payment, you would typically go to "Manage Payments" or "Manage Transfers," locate the specific upcoming payment (not the recurring series), and then select "Delete" or "Cancel" for just that one instance. The option to "Edit" might also allow you to skip a single payment.
How to find my Truist bill pay history?
You can find your Truist bill pay history within the "Transfer & Pay" section by going to "Manage Payments" and looking for a "History" or "Completed Payments" tab.
How to set up a new autopay on Truist app?
To set up a new autopay, go to "Transfer & Pay" and choose "Pay Bills" for external payments or "Make a Transfer" for internal transfers, then select the option to make it a "Recurring" payment and set the frequency.
How to change the bank account used for autopay on Truist app?
To change the account used for an existing autopay, you typically need to cancel the current autopay and then set up a new one with the desired bank account, ensuring you link the correct external account if applicable.
How to contact Truist customer service for autopay issues?
You can contact Truist customer service by calling their main number (844-4TRUIST or 844-487-8478) or by using the secure messaging feature within the Truist app or online banking.
How to determine if an autopay is a Truist loan payment or a bill payment?
When viewing your scheduled payments in "Manage Payments" or "Manage Transfers," the payee's name will indicate whether it's an external company (bill pay) or a Truist loan/credit card directly linked to your Truist accounts.
How to ensure my autopay cancellation is permanent?
After canceling, always check the "Manage Payments" or "Manage Transfers" section to confirm the recurring payment is no longer listed. Also, monitor your bank statements for the next two billing cycles.
How to avoid late fees after canceling autopay?
Immediately after canceling autopay, ensure you have an alternative plan for making payments on time, whether it's setting a reminder for manual payments or establishing a new recurring payment method.
How to get a confirmation of autopay cancellation from Truist?
The Truist app typically provides an on-screen confirmation message. For official documentation, you can contact customer service and request a written confirmation or check your online banking message center for notifications.
