Truist

Does Truist have Zelle? Yes. Truist Bank offers Zelle under Transfer & Pay in its app and online banking, with no Truist fee to send or request money from a personal account. Your Zelle limit shows in the app. A domestic wire costs $30 with a teammate, or $20 online for Truist Wealth and Truist Premier relationships, and an incoming wire costs $15.

At a glance

• ZelleYes, no Truist fee on personal accounts
• Zelle limitsShown in the app
• Domestic wire out$30 with a teammate; $20 online (Truist Wealth and Premier)
• Incoming wire$15 domestic, $20 international
• International wire out$65 with a teammate
• Wire cutoffShown in the app

Sources: Truist One personal deposit accounts fee schedule · Truist Zelle · Truist Zelle terms · Checked on September 27, 2026

Zelle at Truist

In the Truist app or online banking, select Transfer & Pay, then Send Money with Zelle. “There are no fees from Truist to send or request money with Zelle using a personal account.” A payment the recipient does not claim expires after 14 days. The fee schedule sets a minimum payment of $1.

Truist’s Zelle terms say limits may be displayed in Truist Online Banking or the Truist mobile app, so check there.

Source: Truist Zelle · Truist Zelle terms · Checked on September 27, 2026

Wire transfers at Truist

Online wires are available to Truist Wealth and Truist Premier relationships; the Online Wire Service sends domestic wires from eligible personal accounts. Truist’s online banking agreement says cut-off times are displayed in the application.

Truist One Checking gets one no-fee incoming domestic wire, incoming international wire or incoming funds transfer per calendar month. Truist Marquee Checking pays no fee for incoming or outgoing domestic and international wires. An incoming funds transfer costs $5; an outgoing book transfer costs $5 with a teammate and $12 online.

Source: Truist One personal deposit accounts fee schedule, effective April 9, 2026 · Checked on September 27, 2026

External transfers (ACH)

External transfers are free to set up. “Limits applicable to your account(s) will be displayed within the application.” Three delivery speeds:

• 3 business days: “credited on the third business day after you submit.”
• Next day, at Truist’s discretion: debited and credited the next business day.
• Instant, at Truist’s discretion: “typically made available within seconds, twenty-four (24) hours a day.”

Cut-off times are shown in the app.

Source: Truist online and mobile banking service agreement, April 8, 2026 · Checked on September 27, 2026

If a transfer is late or went wrong

If a Zelle payment has not arrived, see Zelle payment pending; to stop one, cancel a Zelle payment; after a scam, Zelle scam refund. For wires, read how long do wire transfers take and wire transfer not received; for external transfers, ACH transfer pending. Contact Truist through the number on your card or in the Truist app.

Fees and limits can differ by account type; your account agreement is the final word.