The SunTrust direct deposit form is now the Truist direct deposit enrollment form — SunTrust and BB&T merged to form Truist, and the one-page PDF Truist publishes is the current version for any legacy SunTrust account. You can download it from Truist’s website or pick up a copy at any branch.1Truist. Set Up Your Truist One Checking Account The completed form goes to your employer’s payroll department, not to Truist, and most employers activate the deposit within one to two pay cycles.
What You Need Before You Start
Every field on the form traces back to two numbers: your nine-digit routing number and your account number. The routing number identifies Truist as the receiving bank; the account number points to your specific checking or savings account.2Truist Bank. How to Find Your Routing Number You can find both in three places:
- On a check: the routing number is the first nine-digit string on the bottom left, and your account number is the next set of digits to the right.
- In online or mobile banking: select the account, then tap “View account details” to see both numbers.3Truist Bank. Banking Facts: Banking 101
- At a branch: any Truist teller can print your routing and account numbers on the spot.
Truist account numbers can be anywhere from one to thirteen digits long, and leading zeros count as part of the number.3Truist Bank. Banking Facts: Banking 101 Copy every digit exactly as it appears. Dropping a leading zero will send your deposit to the wrong place or bounce it back.
Routing Number for Legacy SunTrust Accounts
Which routing number you use depends on where your account was originally opened. Accounts opened after the merger generally use the blanket Truist routing number, 061000104. Older accounts opened at BB&T may still use a state-specific number. If you’re unsure, the number shown in your online banking profile is the correct one for your account.
- Alabama: 062203984
- District of Columbia: 054001547
- Florida: 263191387
- Georgia: 061113415
- Indiana: 083974289
- Kentucky: 083900680
- Maryland: 055003308
- New Jersey: 031204710
- North Carolina: 053101121
- Ohio: 042102267
- Pennsylvania: 031309123
- South Carolina: 053201607
- Tennessee: 064208165
- Texas: 111017694
- Virginia: 051404260
- West Virginia: 051503394
- All other states and post-merger accounts: 061000104
Filling Out the Form
The enrollment form is a single page with three sections.
Employer Information
At the top, write the full legal name of the company that pays you. This has to match what your employer uses on payroll records; a nickname or parent company name can cause the form to be kicked back. If your employer gave you a specific employee ID number, you’ll enter that in the employee information section at the bottom.
Primary and Additional Accounts
The form has a “Primary Direct Deposit Account” section and space for additional accounts. The primary account is marked with priority 999, which tells payroll to send the remaining balance there after any fixed amounts go to other accounts. For most people, this is your everyday checking account.
For each account you list, fill in the Truist routing number, your account number, the dollar amount you want deposited, and whether the account is checking or savings. If you want your entire paycheck going to one Truist account, fill in only the primary section and leave the additional accounts blank. If you’d rather split your pay, say a set dollar amount into savings and the rest into checking, use the additional account rows for the fixed amounts and let the primary account catch the remainder.4Truist Bank. Direct Deposit Enrollment Form
Signature and Authorization
The bottom section asks for your printed name, employee ID, signature, and the date. Your signature authorizes your employer to initiate ACH credits to the accounts you listed and allows Truist to return any funds deposited in error. The authorization stays active until you submit a written cancellation to your employer.4Truist Bank. Direct Deposit Enrollment Form
Some employers also want a voided check attached as a secondary verification of your routing and account numbers. If you don’t have checks, a screenshot of your account details from Truist online banking showing both numbers usually works. Ask your payroll department what they accept.
Where to Send the Completed Form
The form goes to your employer’s payroll or human resources department, not to Truist. How you deliver it depends on your workplace: hand it to HR, upload it through an employee self-service portal, or submit it through whatever secure channel your company uses for payroll documents. Avoid regular unencrypted email; routing and account numbers are sensitive data.
If your employer uses a payroll platform like ADP, Paychex, or Workday, you may be able to skip the paper form entirely and enter your Truist account details directly in the system. The information is the same either way: routing number, account number, account type, and deposit amount.
How Long It Takes to Start
Most employers don’t flip the switch on day one. Many payroll systems first send a prenote, a zero-dollar test transaction that confirms your routing and account numbers are valid and that Truist can accept ACH credits to your account. The prenote clears through the ACH network in roughly three business days, and if no errors come back, live deposits begin.5Modern Treasury. What Is an ACH Prenote? In practice, that usually means one to two full pay cycles between submitting the form and seeing your first electronic deposit.
During the transition you’ll likely receive a paper check or a deposit to your old account. Check your Truist balance on the payday after the waiting period. If the deposit doesn’t show, start with your payroll administrator rather than Truist. The employer’s bank initiates the transfer, so that’s where tracing begins. Payroll can pull an ACH trace number, a 15-digit identifier that lets both banks track the payment through the network and pinpoint where it stalled.
Direct Deposit for Social Security, VA, and Tax Refunds
If you receive federal payments, the enrollment process is separate from the employer form. The federal government requires nearly all benefit payments to arrive electronically.
For Social Security and other Treasury-issued benefits, enroll or change your deposit information through the Go Direct program. You’ll need your Social Security number, information from your most recent benefit check or claim number, your Truist routing number, and your account number and type.6Go Direct. Go Direct You can enroll online at GoDirect.gov, by phone at 1-877-874-6347, or by mail. You can also update deposit information through your my Social Security account at ssa.gov.
Veterans receiving disability compensation, pension, or education payments can add or update Truist details through their VA.gov profile, by calling the VA (TTY: 711) Monday through Friday from 8:00 a.m. to 9:00 p.m. ET, or by visiting a regional VA office. If none of those work, submit VA Form SF-1199a by mail.7Veterans Affairs. Direct Deposit for Your VA Payments Travel pay reimbursements and caregiver stipends use separate VA portals.
For a tax refund, enter your Truist routing and account numbers directly on your return. The IRS lets you split a refund across up to three accounts using Form 8888 on a paper return or the split-refund option in your tax software.8Internal Revenue Service. Get Your Refund Faster: Tell IRS to Direct Deposit Your Refund to One, Two, or Three Accounts
Moving Direct Deposit From Another Bank
If you’re moving to Truist from a different bank, don’t close the old account the same day you submit the new form. The transition takes time, and any automatic payments or outstanding debit transactions tied to the old account need to clear first. The FDIC recommends keeping enough money in the old account to cover remaining bills and confirming all pending withdrawals have posted before closing it.9Federal Deposit Insurance Corporation. Thinking About Moving to Another Bank?
A practical approach: submit the Truist form, wait until you’ve confirmed at least one full deposit hitting the new account, then redirect any automatic bill payments to Truist. Once everything has migrated and the old account shows no pending transactions, close it. Rushing that last step is where people run into overdraft fees on the old account or miss a recurring charge they forgot about.
Keeping the Form Secure
A direct deposit form contains everything someone would need to pull money from your account: your name, routing number, account number, and signature. Treat it like a blank check. Submit it only through your employer’s secure channel, and never leave a copy sitting on a shared printer.
Direct deposit change scams are a real problem for payroll departments. Fraudsters impersonate employees over email and ask HR to reroute deposits to a new account. If your employer contacts you to verify a direct deposit change you didn’t request, that’s a good sign that their security process is working. If your deposit goes missing or lands in the wrong account, contact payroll immediately and ask them to initiate an ACH trace.