So, you’re looking for a Truist bank routing number FL. You probably need it to set up a direct deposit, pay a bill, or maybe wire some cash for a house closing down in Miami or Orlando. Most people think there is just one number. There isn’t. Honestly, it’s a bit of a headache because Truist isn't just one old bank; it’s the massive result of the BB&T and SunTrust merger that finalized a few years back.
If you were a SunTrust customer in Florida, your routing number is likely different from someone who started their account after the merger. It’s annoying. You’ve probably seen a dozen different nine-digit codes online and wondered which one won't bounce your mortgage payment.
Let's get into the weeds of why Florida is unique and how to pinpoint the exact digits you need.
Why Florida has different Truist routing numbers
When BB&T and SunTrust became Truist, they didn't just hit a "reset" button on the backend systems. Banking infrastructure is basically a giant pile of legacy code and old paper trails. In Florida, SunTrust had a massive footprint. Because of that, many Florida-based accounts still rely on the old SunTrust routing transit numbers (RTNs).
If you opened your account in Florida, your routing number is typically 061000104.
Wait. Don’t just copy that and run.
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There is a catch. If your account originated from the BB&T side of the family tree in Florida, or if you opened a brand new account after the systems fully integrated, you might be looking at a different set of numbers. This is where people get tripped up. Banks use these numbers to identify the specific financial institution and the region where the account was opened to ensure the money actually lands in the right vault.
Finding the number on your actual checks
The most "bulletproof" way to find your Truist bank routing number FL is to look at your checkbook. I know, nobody uses checks anymore. But those little paper rectangles are the source of truth.
Look at the bottom left corner. You’ll see three sets of numbers.
- The first set is your nine-digit routing number.
- The middle set is your account number.
- The last, shorter set is the check number.
If you don't have a checkbook, you aren't out of luck. You can log into the Truist mobile app. Usually, if you tap on your specific account—like your "Total Checking" or "Dimension Checking"—there’s an "Account Details" or "Paperless Statements" tab. It’ll be hidden in there.
Interestingly, some people try to use the routing number they find on a wire transfer instruction sheet for a standard ACH transfer. Don't do that. Wire routing numbers and ACH routing numbers are sometimes different. If you use a wire RTN for a direct deposit from your job at Disney or Publix, it might get rejected. That’s a week of waiting for a paycheck nobody wants.
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The Florida Specifics: SunTrust vs. BB&T Legacy
Florida was primarily SunTrust territory. If you are in Tampa, Jacksonville, or Tallahassee, you are likely using the legacy SunTrust RTN.
- Legacy SunTrust (FL): 061000104
- Legacy BB&T (FL): 053101122
Why does this matter in 2026? Because even though the sign on the building says Truist, the electronic "address" for your money hasn't changed for millions of customers. If you try to use the BB&T number for an account that was originally SunTrust, the transaction will fail. It’s like trying to mail a letter to an old address.
What about Wire Transfers?
Wires are different beasts. If you are receiving an international wire transfer into a Florida Truist account, you often need more than just the routing number. You need the SWIFT/BIC code.
For Truist, the common SWIFT code is SNTRUS33.
But here’s a pro tip: always call your local branch—maybe the one on Brickell or in downtown Orlando—before initiating a large international wire. Routing errors on international wires are a nightmare to fix. You could be looking at weeks of "tracing" fees and bureaucratic nonsense.
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Common mistakes to avoid
People often Google "Truist routing number" and take the first bolded number they see. That's a mistake. That might be the routing number for Georgia or North Carolina. Truist is huge. They operate across a massive chunk of the U.S., and using a North Carolina routing number for a Florida account is a recipe for a "Return to Sender" notification from the Federal Reserve.
Also, watch out for "internal" transfers. If you are moving money between two Truist accounts, you don't actually need the routing number. You just need the account number. The routing number is only for when money is crossing the "border" from one bank (like Chase or Bank of America) into Truist.
How to confirm your number right now
If you are staring at a form and need to be 100% sure, do this:
- Check your monthly statement. The PDF version in your online banking portal will always have the correct routing number for your specific region.
- Use the Truist Routing Number Tool. Truist has a specific page on their website where you select your state and the type of transaction (ACH vs. Wire). It’s the most updated source.
- The "Voided Check" trick. If you’re setting up direct deposit, your employer usually asks for a voided check. This is because they want to see that routing number with their own eyes to avoid typos.
Moving forward with your Florida account
The Truist bank routing number FL is basically the digital GPS coordinates for your cash. Whether you are a legacy SunTrust customer or a new Truist account holder, double-checking that nine-digit string is the only way to ensure your money doesn't end up in digital limbo.
If you’ve recently moved to Florida from another state, like Virginia or Pennsylvania, don't keep using your old routing number. Even if your account still works, it can cause delays in local processing. It is usually better to open a local Florida-based account if you plan on staying, just to keep your financial "address" consistent with where you actually live.
Actionable Next Steps:
- Log into your Truist App: Navigate to "Account Services" and then "Request a Voided Check" to see a digital version of your routing and account numbers instantly.
- Verify for ACH vs. Wire: Ensure you aren't using an ACH number for a domestic wire; Truist often uses 051900366 for certain types of large-scale domestic wires, though this varies by the specific legacy system.
- Update Your Payroll: If you've found your Florida-specific number (061000104 for most), update your HR portal immediately to avoid any "failed payment" fees.
- Keep a Record: Snap a photo of your routing number and keep it in a secure, encrypted note on your phone so you don't have to go hunting for it next time you're at the DMV or signing a lease.