Yes, Truist customers can send and receive money through Zelle

Truist Bank offers Zelle, which is a digital money transfer service built into most banking apps and websites. If you have a Truist checking or savings account, you can use Zelle to send money to other people or receive money from them, as long as they also have a bank account at a U.S. bank that supports Zelle.

Zelle transfers happen quickly — usually within minutes during business hours, sometimes within a few hours. There is no fee to send or receive money through Zelle at Truist, and you do not need to know anyone's bank account number. You only need their email address or phone number.

Key Takeaways

  • Truist customers can send and receive money through Zelle using the Truist mobile app or website.
  • Zelle transfers are free and typically complete within minutes, and you only need the recipient's email address or U.S. phone number.
  • The person receiving money must have a bank account at a U.S. bank that also supports Zelle.
  • You set up Zelle by linking your Truist account and registering your email address or phone number, which takes just a few minutes.

How to set up Zelle with your Truist account

To start using Zelle, open the Truist mobile app or log into your Truist online banking. Look for the Zelle option — it is usually in the main menu or under a "Send Money" or "Transfers" section. Tap or click on it, and Truist will walk you through a short setup process.

During setup, you will register an email address or phone number (or both) that other people can use to send you money. Truist will confirm that the email or phone number belongs to you. Once that is done, you are ready to send and receive. The whole process usually takes less than five minutes.

Sending money to someone through Zelle

To send money, open Zelle in your Truist app or website and select "Send." Enter the recipient's email address or phone number, then type the amount you want to send. Review the details to make sure everything is correct, then confirm the transfer.

The money usually arrives in the recipient's bank account within minutes. If you send money outside of business hours (for example, late at night or on a weekend), it may take a few hours to arrive, but it will still be faster than a traditional bank transfer. Once you send money, you cannot cancel it, so double-check the recipient's contact information before you confirm.

Receiving money from someone else

When someone sends you money through Zelle, they will need your email address or phone number — whichever one you registered during setup. They enter that information into their bank's Zelle service, and the money goes directly into your Truist account.

You do not have to do anything to receive the money. It will appear in your account automatically, usually within minutes. You will get a notification from Truist letting you know the transfer arrived.

What to know about Zelle limits and safety

Truist sets a limit on how much money you can send through Zelle in a single day or over a rolling period. The exact limit depends on your account type and how long you have been a customer. You can check your limit in the Zelle section of your Truist app or by calling Truist customer service.

Zelle is designed for sending money to people you know and trust. Because transfers cannot be reversed once they are sent, be careful about who you send money to. If someone asks you to send money through Zelle to a stranger or someone you just met online, that is often a sign of a scam. Truist's fraud protection covers some unauthorized transfers, but it does not cover money you send intentionally to someone who then disappears.

Zelle versus other Truist money transfer options

Truist also offers other ways to send money, such as wire transfers, ACH transfers, and bill pay. Zelle is the fastest and cheapest option for sending money to friends and family who have bank accounts. Wire transfers are better if you need to send money internationally or to someone without a U.S. bank account, but they cost money and take longer. Bill pay is designed for paying companies and organizations, not individuals.

If the person you want to send money to does not have a bank account at a U.S. bank that supports Zelle, ask them which banks they use. You can then decide whether a wire transfer, ACH transfer, or another method makes more sense.

Frequently Asked Questions

What banks work with Zelle?

Most large U.S. banks support Zelle, including Bank of America, Wells Fargo, Chase, and many regional and community banks. If you are not sure whether someone's bank supports Zelle, ask them or check the Zelle website, which has a list of participating banks.

Can I send money to someone at a bank that does not have Zelle?

No, both the sender and receiver must have accounts at banks that support Zelle. If the person you want to send money to banks somewhere that does not offer Zelle, you will need to use a wire transfer or another method instead.

Is Zelle safe to use?

Zelle is safe as long as you only send money to people you know and trust. Because transfers cannot be reversed, scammers sometimes trick people into sending money through Zelle. Never send money to someone you just met online or someone who is pressuring you to move quickly.

Do I pay a fee to use Zelle with Truist?

No, Truist does not charge a fee to send or receive money through Zelle. The service is free for all Truist customers.

How long does a Zelle transfer take?

Most Zelle transfers arrive within minutes during business hours. Transfers sent outside business hours or on weekends may take a few hours, but they are still much faster than traditional bank transfers.