Hey there! Ready to unlock the power of your Truist ATM card? Whether you're a seasoned banking pro or just getting started, mastering your ATM card can make your financial life so much easier. From quick cash withdrawals to depositing checks, your Truist ATM card is a versatile tool. Let's dive in and learn how to use it like a pro!
Your Guide to Using Your Truist ATM Card: A Step-by-Step Breakdown
Using a Truist ATM card is generally straightforward, but knowing the ins and outs can save you time and hassle. Here's a comprehensive guide to various transactions you can perform.
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| How To Use Truist Atm Card |
Step 1: Card Activation – Don't Skip This Crucial First Step!
Before you can do anything with your brand-new Truist ATM card, you absolutely must activate it. This is a critical security measure to protect your account.
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How to Activate Your Card:
- Via the Truist Mobile App: This is often the quickest and most convenient method. Simply log in to your Truist mobile app and follow the prompts to activate your card.
- By Phone: Call Truist's automated system at 800-963-2262. You'll likely need to provide your card number and other personal verification details.
- At an ATM or with a PIN at Checkout: Your first transaction using your PIN at a Truist ATM or a merchant checkout point can also activate your card.
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Important Note: Make sure your registered mobile number is updated with Truist, as it's often used for verification during activation.
Step 2: Making Cash Withdrawals – Your Go-To for Quick Cash
This is arguably the most common use for an ATM card. Getting cash is simple, but it's good to be aware of limits.
Tip: Don’t skim — absorb.
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At a Truist ATM:
- Insert your card: Look for the card slot and insert your Truist ATM card with the chip facing up.
- Enter your PIN: On the keypad, carefully enter your four-digit Personal Identification Number. Keep it secret!
- Select "Withdrawal": The ATM screen will present various transaction options. Choose "Withdrawal" or "Cash Withdrawal."
- Choose account: Select the account you wish to withdraw from (e.g., Checking or Savings).
- Enter amount: Input the desired amount of cash.
- Confirm transaction: Review the details and confirm.
- Take your cash and card: The ATM will dispense your cash, followed by your card and a receipt. Always remember to take your card!
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Daily Withdrawal Limits: Truist, like all banks, has daily ATM withdrawal limits, which can vary based on your account type. For example, a Truist One Checking account might have a daily ATM withdrawal limit between $500 and $2,500, depending on your account level. If you need to withdraw a larger amount, consider visiting a Truist branch or requesting a temporary increase to your limit by contacting customer service.
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At Non-Truist ATMs (Out-of-Network):
- You can use your Truist ATM card at most ATMs that display the Visa or Plus network logos.
- Be aware: Non-Truist ATMs typically charge a fee for withdrawals. Truist may also charge a fee for using out-of-network ATMs (e.g., $2.50 per transaction in the U.S., $5 per transaction outside the U.S.), in addition to a possible international point-of-sale and ATM assessment fee (e.g., 3%). Some Truist accounts may offer waivers or rebates for these fees.
Step 3: Making Cash and Check Deposits – Convenience at Your Fingertips
Many Truist ATMs allow you to deposit cash and checks without an envelope.
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How to Deposit:
- Insert your card and enter PIN.
- Select "Deposit": Choose the deposit option on the screen.
- Choose account: Select the account you want to deposit into.
- Insert cash/checks: The ATM will have a slot for cash (feed bills in one by one) and/or checks (insert unfolded checks).
- Verify amount: The ATM will usually display the total amount deposited for cash and an image of each check. Verify that it's correct.
- Confirm and take receipt: Confirm the deposit, and remember to take your receipt.
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Deposit Availability:
- Cash deposited at a Truist ATM before the cut-off time (typically 9 PM ET, M-F) is generally available immediately.
- Checks deposited at an ATM before the cut-off time are usually available the next banking day, unless a hold is placed.
- Some check deposits may offer "Immediate Availability" for a fee (e.g., 2% of checks $100 or more, or $1 for checks under $100).
Step 4: Checking Your Balance – Stay On Top of Your Funds
Knowing your account balance is essential for managing your finances.
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At a Truist ATM:
- Insert your card and enter PIN.
- Select "Balance Inquiry" or "Account Balance."
- Choose account: Select the account you want to check.
- The balance will be displayed on the screen, and you'll typically have an option to print a receipt.
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Other Ways to Check Your Balance:
- Truist Mobile App: Log in for instant access to your account balances and transaction history.
- Truist Online Banking: Access your accounts from your computer.
- Text Banking: If enrolled, you can text "BAL" to 878478 (TRUIST) for your default account balance, or "BAL ALL" for all account balances.
- Customer Service: Call Truist customer service at 844-4TRUIST (844-487-8478).
Step 5: Transferring Funds – Move Money Between Your Accounts
You can often transfer money between your linked Truist accounts directly at an ATM.
Tip: Skim only after you’ve read fully once.
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How to Transfer Funds:
- Insert your card and enter PIN.
- Select "Transfer."
- Choose "From" account: Select the account you want to transfer money from.
- Choose "To" account: Select the account you want to transfer money to.
- Enter amount: Input the amount you wish to transfer.
- Confirm transaction: Review and confirm the transfer.
- Take your receipt and card.
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Online and Mobile Banking Transfers: For more flexibility, including setting up recurring transfers or transferring to external accounts, use Truist's online or mobile banking platforms.
Step 6: Changing Your PIN – Keep Your Account Secure
Regularly changing your PIN or changing it if you suspect it's compromised is a good security practice.
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At a Truist ATM:
- Insert your card and enter PIN.
- Look for an option like "Change PIN" or "PIN Services" on the menu.
- Follow the on-screen prompts to enter your current PIN and then your new desired PIN.
- You will typically need to re-enter the new PIN to confirm.
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Other Ways to Change Your PIN:
- Online or Mobile Banking: Log in to your Truist account, navigate to "Accounts," then "Manage cards," and look for the "Reset PIN" option. You'll need your old PIN and may be asked for a one-time passcode.
- Customer Service: If you don't have your old PIN or a registered mobile number, you can call Truist customer service, and they may be able to mail you a new PIN.
Step 7: Managing Your Card with Truist Card Controls – Ultimate Security and Convenience
Truist offers robust card control features through their digital banking platforms, allowing you to manage how and where your card is used.
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Key Card Control Features:
- Turn Your Card Off Instantly: If you misplace your card, you can immediately turn it off via the mobile app or online banking to prevent unauthorized transactions. This is often better than canceling it immediately, as you can turn it back on if you find it.
- Create Custom Card Alerts: Set up notifications for various activities, such as:
- Transactions above a certain amount.
- Online or international purchases.
- ATM withdrawals.
- Location Controls: Restrict transactions to specific geographic areas.
- Merchant Type Controls: Block transactions at certain types of merchants (e.g., gambling sites).
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How to Access Card Controls:
- Mobile App: Tap "Main Menu," then choose "Card Controls."
- Online Banking: Look for the "More" tab and select "Card Controls," or go to "Profile & Settings" by clicking your username and then selecting "Accounts & Cards" > "Card Controls."
Frequently Asked Questions (FAQs)
How to activate my new Truist ATM card?
You can activate your Truist ATM card through the Truist mobile app, by calling 800-963-2262, or by making your first transaction at an ATM or with your PIN at checkout.
QuickTip: Read actively, not passively.
How to find a Truist ATM near me?
You can find nearby Truist ATMs and branches using the Truist mobile app's ATM/branch locator feature or by visiting the "Locations" section on the Truist website.
How to withdraw cash from a Truist ATM?
Insert your card, enter your PIN, select "Withdrawal," choose your account, enter the amount, confirm, and take your cash and card.
How to deposit a check at a Truist ATM?
Insert your card, enter your PIN, select "Deposit," choose your account, insert the check into the designated slot, verify the amount, and confirm.
Tip: Reread if it feels confusing.
How to check my balance using my Truist ATM card?
Insert your card, enter your PIN, select "Balance Inquiry," and your balance will be displayed on the screen. You can also use the mobile app, online banking, or text banking.
How to transfer money between my Truist accounts at an ATM?
Insert your card, enter your PIN, select "Transfer," choose the "From" and "To" accounts, enter the amount, and confirm the transfer.
How to change my Truist ATM card PIN?
You can change your PIN at a Truist ATM by selecting the "Change PIN" option, or through Truist online or mobile banking under "Card Controls" or "Reset PIN."
How to report a lost or stolen Truist ATM card?
Immediately call Truist at 844-4TRUIST (844-487-8478) to report it lost or stolen. You can also use the mobile app or online banking to instantly turn off your card to prevent unauthorized use.
How to use my Truist ATM card internationally?
Your Truist ATM card can be used at ATMs globally that display the Visa or Plus network logos. Be aware of potential international transaction fees charged by Truist and the ATM operator.
How to increase my daily Truist ATM withdrawal limit?
Daily ATM withdrawal limits vary by account type. To inquire about increasing your limit, contact Truist customer service or visit a branch.
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