Truist Bank – How to use the Service in USA

Truist Bank, formed by the merger of BB&T and SunTrust in 2019, is a prominent banking institution in the United States. If you’re looking to use Truist’s services, here’s a comprehensive guide on how to get started and navigate their offerings effectively.

Getting Started with Truist Bank

  1. Open an Account:
    • Visit a Branch: Locate a nearby Truist branch or ATM using their online locator tool.
    • Online Application: Go to the Truist Bank website or download the Truist mobile app and follow the prompts to open a new account. You’ll need identification, your Social Security Number, and possibly initial funding.
  2. Explore Account Options:
    • Personal Banking: Checking and savings accounts, credit cards, personal loans, and mortgages.
    • Business Banking: Business checking, savings, credit cards, and loans tailored for small to large businesses.
    • Wealth Management: Investment and retirement accounts, estate planning, and financial advisory services.

Managing Your Account

  1. Online and Mobile Banking:
    • Truist Online Banking: Access your account through the Truist website. You can view balances, transfer funds, pay bills, and more.
    • Truist Mobile App: Available on iOS and Android, the app allows you to manage your accounts on the go. Features include mobile check deposit, peer-to-peer payments, and financial management tools.
  2. Digital Wallets and Payment Services:
    • Truist Supports: Apple Pay, Google Pay, Samsung Pay, and Zelle for quick and secure transactions.
  3. Customer Service:
    • 24/7 Support: Reach out to Truist customer service via phone, chat, or email for assistance with any banking needs.
    • In-Person Help: Visit a branch for face-to-face service if you prefer.

Key Services and Features

  1. Checking and Savings Accounts:
    • Truist One Checking: Offers various benefits like no overdraft fees and cash rewards.
    • Savings Accounts: High-interest options, including the Truist Money Market Account.
  2. Credit Cards and Loans:
    • Credit Cards: Various options including rewards, cash back, and low APR cards.
    • Loans: Personal loans, auto loans, mortgages, and home equity lines of credit (HELOCs).
  3. Business Services:
    • Checking and Savings: Accounts tailored for small businesses to large enterprises.
    • Loans and Financing: Options for business loans, lines of credit, and equipment financing.
  4. Investment Services:
    • Wealth Management: Personal investment advice and portfolio management.
    • Retirement Accounts: IRAs, 401(k) plans, and other retirement planning services.

Tips for Effective Use

  1. Regular Monitoring:
    • Keep track of your transactions and account balances through the mobile app or online banking to avoid overdrafts and unauthorized activities.
  2. Leverage Alerts:
    • Set up account alerts for low balances, large transactions, or payment due dates to stay informed about your finances.
  3. Optimize Your Accounts:
    • Make use of Truist’s financial tools to optimize your spending, saving, and budgeting. Their apps and online tools can help you manage your finances more effectively.
  4. Stay Secure:
    • Use strong, unique passwords for your online banking accounts. Enable two-factor authentication (2FA) for added security. Be cautious of phishing scams and only log in through the official Truist website or app.


Using Truist Bank in the USA is straightforward, whether you prefer in-person banking or digital services. With a wide range of personal, business, and investment services, Truist offers comprehensive banking solutions to meet your needs. For the best experience, take advantage of their online and mobile tools, and stay informed about the latest features and services they offer.

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