Yes, Truist customers can use Zelle to send and receive money
Zelle is a money-transfer service built into many banks' apps and websites, including Truist. If you have a Truist checking or savings account, you can send money to other people through Zelle without paying a fee — as long as the person receiving it also has a bank account at a U.S. bank that supports Zelle.
Zelle is owned by a group of large banks and works by moving money directly from one bank account to another. It is not a separate app you read (though a standalone Zelle app exists). Most people use it through their bank's app or website, which is where you will find it at Truist.
Key Takeaways
- Truist offers Zelle through its mobile app and online banking portal at no cost to send or receive money.
- The person you send money to must have a bank account at a participating U.S. bank — Zelle does not work with prepaid cards or non-bank accounts.
- Money typically arrives within minutes to a few hours, though some banks take up to one business day to process transfers.
- You can send up to a certain daily and monthly limit, which varies by bank and your account history with Truist.
Where to find Zelle in your Truist account
Open the Truist mobile app or log into Truist Online Banking on your computer. Look for a "Send Money" or "Transfer" section — the exact label depends on which platform you are using. Zelle is usually listed as one option alongside other ways to move money, such as wire transfers or payments to people at other banks.
If you cannot find it, search the app or website for "Zelle" directly. Truist also has a help section that walks you through the steps. You do not need to set up a separate Zelle account — your Truist login is all you need.
How to send money through Zelle at Truist
Select Zelle from the transfer menu. Enter the recipient's email address or U.S. mobile phone number — Zelle uses one of these to identify the person, not their bank account number. Type the amount you want to send and add a note if you want to (for example, "rent" or "dinner").
Review the details and confirm the transfer. The money leaves your Truist account right away, though the recipient's bank may take a few hours to deposit it into their account. Most banks show the money within minutes to a few hours. A few banks take up to one business day.
You will get a confirmation number. Save it or take a screenshot in case you need to look up the transfer later.
Limits on how much you can send
Truist sets daily and monthly limits on Zelle transfers. The exact amounts depend on your account type and how long you have been a customer. New accounts often have lower limits that increase over time.
You can see your current limit in the Zelle section of your Truist app or online banking. If you need to send more than your limit allows, contact Truist customer service to ask whether your limit can be raised. Some banks raise limits automatically after a few months of use.
What happens if the recipient does not have a participating bank
Zelle only works between accounts at banks that are part of the Zelle network. If the person you want to send money to banks at a small local bank or credit union, that institution may not support Zelle yet.
Before you send, ask the recipient which bank they use and whether they have Zelle. If they do not, you have other options: you can use a wire transfer through Truist (which costs money), send a check, or use a different money-transfer service like PayPal or Venmo. Truist can help you explore these alternatives if Zelle will not work.
Security and what to watch for
Zelle transfers cannot be reversed once they are sent. This is different from a credit card payment, which you can dispute. For this reason, always double-check the recipient's email address or phone number before you hit send. If you send money to the wrong person by mistake, you will have to contact that person and ask them to send it back — Zelle and Truist cannot force them to do so.
Do not share your Truist login information with anyone, even if they claim to be from Zelle or your bank. Truist and Zelle will never ask you for your password. If someone contacts you asking for money through Zelle, be cautious — scammers sometimes pose as friends or family members to trick people into sending money.
Receiving money through Zelle
When someone sends you money through Zelle, it goes directly into your Truist account. You do not have to do anything to set it up — as long as your account is open and active, people can send you money using your email address or phone number.
You will get a notification when the money arrives. Check your Truist app or online banking to confirm it has posted to your account. If you do not recognize a transfer, contact Truist right away.
Frequently Asked Questions
Can I use Zelle to send money internationally?
No. Zelle only works for transfers between U.S. bank accounts. If you need to send money outside the United States, you will need to use a wire transfer or an international money-transfer service. Truist can tell you what options are available for the country you are sending to.
What if my Zelle transfer does not arrive?
Contact Truist customer service with the confirmation number from your transfer. They can check whether the money left your account and where it is in the process. If the recipient's bank is slow to process it, Truist may be able to contact that bank on your behalf to speed things up.
Can I cancel a Zelle transfer after I send it?
Not usually. Once the money is sent, it is out of your control. If you sent it to the wrong person or want to cancel for another reason, contact Truist when ready — they may be able to stop it if it has not been delivered yet, but this is not may provide.
Is there a fee to use Zelle at Truist?
No. Sending and receiving money through Zelle at Truist is free. You will not be charged by Truist or by Zelle. Some other banks charge fees, but Truist does not.
Do I need the recipient's bank account number to send them money through Zelle?
No. You only need their email address or U.S. mobile phone number. Zelle uses that information to find their bank account and deliver the money. This is one reason Zelle is simpler than a wire transfer, which requires a full account number and routing number.