Truist Bank Hours: The Complete Guide

Most Truist branches open at 9:00 AM Monday through Thursday and close at 5:00 PM. Friday hours extend to 6:00 PM at many locations — similar to Bank of America and PNC. Saturday hours at branches that open are typically 9:00 AM to 1:00 PM or 2:00 PM. All branches are closed Sunday. Drive-through lanes where available often open at 8:30 AM — 30 minutes before the lobby. Hours vary by location; former BB&T and former SunTrust branches may still operate on slightly different schedules. Confirm through the Truist locator at truist.com/locations.

Many Truist branches are open Saturday, typically 9:00 AM to 1:00 PM or 2:00 PM. Saturday availability depends on location — suburban standalone branches are most reliably open. Downtown business-district branches may skip Saturday. Former BB&T branches that were Saturday-only in certain markets may have different Saturday schedules than former SunTrust branches in the same city. The locator shows Saturday status for each branch.

Yes. In December 2019, BB&T Corporation and SunTrust  Banks merged to form Truist Financial Corporation in the largest U.S. bank merger since the 2008 financial crisis. The technology migration — moving all accounts from BB&T and SunTrust systems to the unified Truist platform — was completed in early 2023. All BB&T and SunTrust branches are now Truist branches. All accounts, routing numbers, debit cards, and online/mobile banking migrated to Truist. If you were a BB&T or SunTrust customer, you are now a Truist customer.

Truist operates approximately 2,000 branches across 18 states plus Washington D.C., concentrated in the Southeast and Mid-Atlantic. The heaviest coverage is in North Carolina (BB&T headquarters was in Winston-Salem), Georgia (SunTrust headquarters was in Atlanta), Virginia, Florida, Maryland, Tennessee, South Carolina, and Alabama. Truist also has branches in Texas, Pennsylvania, New Jersey, West Virginia, Kentucky, Indiana, Mississippi, and D.C. Truist has no branches west of Texas — no coverage in California, the Mountain West, or Pacific Northwest.

Truist closes on all 11 federal  holidays: New Year's Day, MLK Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas Day. This matches Chase, BofA, Wells Fargo, and PNC. Only TD  Bank stays open on Columbus Day and Presidents' Day. On Christmas Eve and New Year's Eve, most branches close early (~2 PM).

Truist One Checking is the bank's primary consumer checking account. Monthly fee: $12, waived with one of: $500+ direct deposit, $500+ daily balance, or a linked Truist credit card/mortgage/personal loan. Includes overdraft protection via Truist Assist (negative balance cushion up to $100 with no fee), online/mobile banking, Zelle, and access to all Truist ATMs. Compared to Chase Total Checking ($12/mo, $500 direct deposit waiver), the terms are nearly identical — but Truist adds the $100 overdraft cushion and a broader set of waiver options.

Truist Assist is the bank's overdraft protection feature. It provides a negative balance cushion: if your account goes negative by $100 or less at end of day, no overdraft fee is charged. If you're overdrawn by more than $100, the standard $36 overdraft fee applies to each item that pushes the balance past the -$100 threshold. This is similar to Chase's Overdraft Assist ($50 cushion) but more generous — the $100 threshold means more transactions get absorbed without fees.

Truist's mobile check deposit cutoff is 8:00 PM Eastern Time on business days. Deposits before the cutoff begin processing that night. Deposits after the cutoff, or on weekends and holidays, process the next business day. Standard daily limit is $5,000 for most personal checking accounts. The first $225 is available the same business day under Regulation CC.

Yes. Many Truist branches in suburban and semi-rural Southeast locations have drive-through service. The drive-through typically opens at 8:30 AM — 30 minutes before the lobby — and may stay open until 5:30 or 6:30 PM depending on the day. On Friday, drive-through hours often extend to match the 6 PM lobby close. Saturday drive-throughs may extend 30 minutes past the lobby close. Not all branches have drive-throughs — downtown locations typically don't.

Truist typically posts direct deposits between midnight and 6:00 AM Eastern Time on the scheduled pay date. Truist does not widely offer early direct deposit as a standard feature — funds arrive on the date your employer scheduled. If your payday falls on a federal holiday, most employers advance the deposit to the Friday before.

LightStream is Truist's online lending division, offering unsecured personal loans, auto loans, and home improvement loans at competitive rates. LightStream existed under SunTrust before the merger and continued under Truist. LightStream loans don't require a Truist checking account — they're available nationwide even though Truist branches are only in 18 states. Known for low rates, no fees, and a rate-beat program.

Truist's advantages: Friday until 6 PM (matches BofA, beats Chase), $100 overdraft cushion via Truist Assist (more generous than Chase's $50), strong Southeast coverage where it's often the dominant local  bank, and drive-through opens at 8:30 AM. Chase's advantages: 48-state coverage vs Truist's 18, longer Saturday hours (1–2 PM vs noon–1 PM), and 4,700 branches vs 2,000. BofA's advantages: Erica AI assistant, Preferred Rewards loyalty program, and 16,000+ ATMs. For Southeast residents, Truist is often the most accessible local option with competitive products.