Wait, does SunTrust even exist anymore? Honestly, that’s the first question you probably have if you’re digging through a kitchen drawer looking for an old checkbook. If you are searching for a SunTrust bank routing number in Florida, you’ve likely noticed that the signs on the buildings don't say SunTrust anymore. They say Truist. This isn't just a branding facelift; it was a massive merger between SunTrust and BB&T that finalized a few years back.
But here is the kicker.
Even though the names changed, those old routing numbers didn't just vanish into thin air. You might still need them for a direct deposit that’s been running for a decade or to set up a new wire transfer. Banks are complicated. Mergers are even more complicated. When two giants like SunTrust and BB&T collide to form Truist, they don't just flip a switch and delete the old infrastructure.
The Magic Number for Florida Residents
If you’re specifically looking for the SunTrust bank routing number in Florida, the number you likely need is 063100277.
Wait. Don’t just copy-paste that and run.
While that specific nine-digit string is the most common one associated with SunTrust’s Florida operations (specifically the "SunTrust Bank, South Florida" or general Florida branch legacy), routing numbers are region-specific. Florida is a big state. Sometimes, depending on when and where your account was opened—say, if it was an old account from a bank SunTrust acquired twenty years ago—that number might differ.
The routing number is basically an address for your money. It tells the Federal Reserve exactly which "house" the cash needs to go to. In the US, we use the ABA (American Bankers Association) routing transit number system. It’s always nine digits. Always. If you have eight or ten, you’re looking at an account number or a typo.
Why Does It Say Truist Now?
In 2019, SunTrust and BB&T shook hands on a "merger of equals." It was the biggest bank deal since the 2008 financial crisis. By 2022, the transition was basically complete. This matters to you because if you call a branch asking for your SunTrust bank routing number in Florida, the person answering the phone is going to say, "Welcome to Truist."
Don't panic.
For the vast majority of legacy SunTrust customers in the Sunshine State, the routing numbers remained valid to ensure that things like Social Security checks and payroll didn't bounce during the transition. It’s a "backend" thing. The bank routes the old SunTrust number to the new Truist system. It’s like a mail forwarding service that never expires.
How to Double Check Your Number
Check your checks. Seriously. I know nobody uses paper checks anymore, but they are the "source of truth" for banking info. Look at the very bottom left corner of your check. You’ll see three sets of numbers.
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- The first nine digits? That’s your routing number.
- The second set? That’s your account number.
- The third set? That’s just the check number.
If you don't have a checkbook, log into the Truist mobile app. Since SunTrust transitioned, all your data lives there now. Look under "Account Details." It should list both the routing number and your account number. If you see a different number than 063100277, use the one the app gives you. The app knows best.
Wire Transfers vs. ACH: The Great Confusion
Here is where people get tripped up. There is a difference between an ACH transfer (like your paycheck) and a domestic wire transfer.
For a standard direct deposit or paying your electric bill online, you use the standard ACH routing number. But for a wire transfer—the kind where you’re buying a house in Orlando and need to move $50,000 immediately—some banks use a different "wire routing number."
For legacy SunTrust accounts in Florida, the wire routing number is often the same as the paper/ACH number, but you should always verify with a Truist representative before sending a large wire. If you get one digit wrong, your money enters a digital purgatory that is a nightmare to escape.
Why Florida is Different from Georgia or Virginia
SunTrust was a powerhouse in the Southeast. Because of the way banking laws worked decades ago, banks had to have separate charters or structures in different states. This is why a SunTrust bank routing number in Florida isn't the same as one in Atlanta.
In Georgia, for example, the primary SunTrust routing number was often 061000104. If you use the Georgia number for a Florida-based account, the transaction might eventually find its way home, but it’ll take longer. Or it might just get rejected. It’s like trying to mail a letter to Miami but using a zip code for Savannah.
Common Misconceptions About Routing Numbers
A lot of people think that if they lose their debit card, their routing number changes.
Nope.
Your routing number is tied to the branch or the region where your account was birthed. Your account number is tied to you. Your debit card number is just a plastic key. You can replace the key a hundred times, but the house (the routing number) stays in the same place.
Another weird one? People think they can just Google "SunTrust routing number" and use the first one they see. Don't do that. Florida has had several different routing numbers over the years due to acquisitions of smaller banks like United Bank or others that SunTrust swallowed up before it was swallowed by Truist.
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What to Do If Your Transfer Fails
If you used the SunTrust bank routing number in Florida and your money didn't show up, check the "Originating Bank" status.
Sometimes, the bank sending the money has an outdated database. They might see "SunTrust" and "Truist" as two different entities and get confused. If a transfer fails, the first step is to confirm the "Legal Name of the Financial Institution." Even though you might still think of it as SunTrust, the legal name for the wire or ACH should usually be "Truist Bank."
The Legacy of SunTrust in the Sunshine State
SunTrust had deep roots in Florida. It was the bank of the Coca-Cola company for a long time (though that’s more of a Georgia thing, the influence bled south). In Florida, SunTrust was everywhere from the panhandle down to the keys.
When the merger happened, it wasn't just a name change. It was a massive technical migration. Millions of accounts had to be moved. If you’ve had your account since before the 2019 merger announcement, your SunTrust bank routing number in Florida is a legacy piece of data. It’s a "grandfathered" number.
Practical Steps for Your Banking Today
If you are setting up something new—like a new job's direct deposit—and you’re unsure, honestly, just use the Truist routing number provided on their current website. It’s cleaner.
However, if you have an old SunTrust checkbook and the routing number on it is 063100277, it is almost certainly still valid for receiving funds.
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Here is what you should do right now to stay safe:
- Log in to your online portal: See what routing number Truist displays for your specific account. This overrides anything you find on a random blog or an old statement.
- Update your records: If you’re still giving out "SunTrust" as the bank name, start using "Truist." It prevents manual processing delays.
- Check the type of transfer: Ensure you aren't using an ACH routing number for an international SWIFT transfer. Those are entirely different animals.
- Keep your old checks for reference: But maybe order new ones with the Truist logo to avoid confusion at retail stores (if you’re one of the three people still writing checks at the grocery store).
Banking doesn't have to be a headache, but mergers make it feel like one. Just remember that the nine-digit code is the key. Whether it’s the legacy SunTrust Florida number or the new Truist version, as long as it matches your specific account's region, your money will land where it’s supposed to.
Verify your specific code by looking at the "Direct Deposit" section of your monthly statement. That is the most ironclad way to ensure you have the right SunTrust bank routing number in Florida for your specific situation.