Yes, BB&T merged with SunTrust to become Truist in December 2019

BB&T and SunTrust combined into a single bank called Truist Financial Corporation on December 6, 2019. The merger created the sixth-largest bank in the United States by assets. If you had an account at BB&T before that date, it became a Truist account automatically—you did not have to do anything, and your account number and balance stayed the same.

The two banks operated under their own names for a transition period after the merger closed, but by the end of 2020, all BB&T branches had been converted to the Truist brand. Today, there is no BB&T bank anymore. Every location, every account, and every service operates under the Truist name.

Key Takeaways

  • BB&T ceased to exist as a separate entity when it merged with SunTrust on December 6, 2019, creating Truist Financial Corporation.
  • Your BB&T account became a Truist account automatically with no action required on your part; your account number and balance did not change.
  • All BB&T branches were rebranded to Truist by the end of 2020, and the transition included updates to online banking and debit cards.
  • If you still have questions about your old BB&T account, you can contact Truist customer service or visit any Truist branch for help.

What happened to your BB&T account after the merger

When the merger closed, your BB&T checking, savings, or other deposit accounts became Truist accounts with the same account number. Your balance did not change, and you kept access to your money. If you had automatic bill payments or direct deposits set up, those continued to work—the bank handled the transition on the backend.

Your debit card was replaced with a Truist debit card, usually within a few weeks of the merger closing. If you had a BB&T credit card, that also transitioned to Truist. Loan accounts—mortgages, auto loans, personal loans—stayed active under the same terms and interest rates. Nothing about your debt or repayment schedule changed.

Online and mobile banking moved to Truist's platform. You may have needed to update your login or read the new Truist app, but your transaction history and account information transferred over. If you had any pending disputes or fraud claims, those continued through the merger process.

Branches, ATMs, and access to your money

BB&T had about 1,100 branches before the merger. Most of those locations are still open today as Truist branches. The bank did close some overlapping branches in areas where BB&T and SunTrust had been located near each other, but the vast majority of customers kept a branch within their local area.

Your access to ATMs expanded after the merger. BB&T customers gained access to SunTrust's ATM network, and vice versa. Truist also participates in shared branching networks and surcharge-free ATM alliances, so you can withdraw cash at many locations outside the Truist network without paying a fee.

If your old BB&T branch did close, Truist notified customers in advance and directed them to the nearest open location. You can find current branch and ATM locations on the Truist website or by calling customer service.

How to find information about your old BB&T account

If you need details about your account history before the merger, Truist can pull that information. Call Truist customer service at 1-800-872-2657, or visit any Truist branch with your ID. They can access records from the BB&T period and help you with questions about old statements, closed accounts, or historical transactions.

If you are looking for a statement from before December 2019, ask Truist to retrieve it from their archives. Most banks keep records for seven years, so statements from the BB&T era are still available. You may need to provide the account number or the approximate date of the transaction you are looking for.

If you closed your BB&T account before the merger or never converted it to Truist, contact Truist directly to discuss your options. In rare cases, dormant accounts were handled differently, and the bank can explain what happened to your specific account.

Fees, interest rates, and account terms after the merger

Truist kept most BB&T account terms and interest rates the same after the merger. If you had a promotional rate or a waived fee as a BB&T customer, Truist honored it. However, over time, Truist has updated its fee schedules and interest rates like any bank does—these changes explore to all customers, not just former BB&T account holders.

If your account type changed or you were moved to a different product, Truist was required to notify you in writing before the change took effect. You had the right to close your account without penalty if you disagreed with the new terms. Check your account statements or log into online banking to see your current fee schedule and interest rate.

Some BB&T customers had accounts with specific perks or benefits that were tied to the BB&T brand. Truist may have consolidated these into its own product line. If you are unsure whether your account still has the same benefits, call customer service or ask at a branch.

If you still have BB&T checks or old debit cards

BB&T checks printed before the merger are still valid—banks honor checks from closed institutions for a reasonable time after a merger. However, you should order new Truist checks to avoid confusion or delays. You can order them through online banking or by calling customer service.

Old BB&T debit cards stopped working after the transition period ended. If you still have one, it no longer functions. Use your Truist debit card instead, or contact Truist if you need a replacement card mailed to you.

If you find an old BB&T savings bond, certificate of deposit, or other financial product, contact Truist to confirm its status and current value. The merger did not invalidate these products, but you may need to update your records or transfer them to a Truist account.

Frequently Asked Questions

Can I still use my old BB&T account number?

Yes. Your account number did not change when BB&T merged with SunTrust. You can use it for direct deposits, bill payments, and any other transactions. If you need to confirm your account number, check your debit card, a recent statement, or log into online banking.

What if I had a loan with BB&T?

Your loan transferred to Truist automatically. Your interest rate, payment amount, and due date stayed the same. Make payments to Truist using the same account or payment method you used before. If you have questions about your loan, contact Truist's loan servicing department.

Do I need to do anything now that BB&T is Truist?

No action is required. Your account is already active as a Truist account. If you have not updated your online banking login or downloaded the Truist app, you can do that at your convenience. If you have questions about your account, contact Truist customer service.

Where can I find my old BB&T statements?

Log into Truist online banking or the mobile app—your transaction history from the BB&T period should be there. If you need a printed statement from before the merger, call Truist at 1-800-872-2657 and ask them to mail it to you. They keep records for seven years.

What if I closed my BB&T account before the merger?

If your account was closed before December 6, 2019, it did not transfer to Truist. Contact Truist to discuss whether you can reopen an account or whether any remaining balance needs to be claimed. Some closed accounts are held in escrow, and the bank can tell you the status of yours.