SunTrust Bank became Truist Financial Corporation in December 2019

SunTrust merged with BB&T Corporation and rebranded under the new name Truist. If you had a SunTrust account, debit card, or loan before that date, you now have a Truist account under the same account number. Your account did not close — it transferred to Truist's systems. You can still use your old SunTrust debit card until it expires, though Truist has issued new cards to most customers by now.

The merger combined two large regional banks into one. BB&T was based in North Carolina, and SunTrust operated primarily in Florida, Georgia, and the Carolinas. Truist now operates branches across the Southeast and Mid-Atlantic, and maintains online and mobile banking for all customers. If you banked with either institution, your account moved to Truist's platform automatically — you did not need to do anything.

Key Takeaways

  • SunTrust accounts became Truist accounts in December 2019 when the two banks merged; your account number and balance stayed the same.
  • Your old SunTrust debit card remains valid until expiration, but Truist has mailed new cards to most customers.
  • Truist uses the same online banking login and mobile app that SunTrust customers were already using, with no action required on your part.
  • If you have questions about your specific account, contact Truist directly at 1-800-872-2657 or visit a branch with your ID and account information.

What happened to your SunTrust account during the merger

Your account transferred automatically on the merger date. Truist kept your account number, balance, transaction history, and all linked services. If you had automatic bill payments set up, they continued without interruption. If you had a savings account, money market account, or certificate of deposit (CD), those moved to Truist as well with the same terms and rates you had locked in.

You did not need to sign new paperwork or visit a branch unless you wanted to update your account settings. Truist sent notification letters to all SunTrust customers before the merger explaining what would change and what would stay the same. If you did not receive one or have questions about your specific account, you can contact Truist at 1-800-872-2657.

How to access your account after the merger

If you used SunTrust's online banking or mobile app, you can log in with the same username and password. Truist kept the login credentials the same for existing customers. The app and website interface changed over time as Truist updated its systems, but your account access never stopped.

If you have not logged in since the merger and cannot remember your password, use the "Forgot Password" option on Truist's login page. You will need to verify your identity using information Truist has on file — usually your Social Security number and account number. If you prefer to speak with someone, call Truist at 1-800-872-2657 and a representative can help you reset your access or answer questions about your account.

What changed about fees and account terms

Truist kept most SunTrust account terms in place after the merger, but some customers saw changes to monthly maintenance fees or minimum balance requirements over time. These changes were not automatic — Truist notified customers in advance if their account terms were changing. If you received a notice about a fee change and want to know whether it applies to your account, contact Truist directly.

Some SunTrust products, like specific loan programs or investment services, may have been discontinued or moved to different Truist divisions. If you had a SunTrust loan or investment account, Truist sent separate notification about what would happen to that product. If you are unsure whether your specific account or service was affected, ask Truist — they have records of what you held before the merger.

Finding a Truist branch or ATM near you

Truist operates branches across the Southeast and Mid-Atlantic. You can find a branch location and ATM on Truist's website by entering your zip code. If you banked at a SunTrust location before the merger, that branch is now a Truist branch. Some locations may have closed or relocated since 2019, so check the branch locator to confirm hours and services before you visit.

Truist also participates in ATM networks that let you withdraw cash without a fee at participating banks outside the Truist network. The specific networks vary by account type, so log into your account or call 1-800-872-2657 to confirm which ATMs are free for your account.

If you still have questions about the merger

Truist maintains a customer service line at 1-800-872-2657 for questions about accounts, services, or the merger itself. You can also visit a Truist branch in person with your ID and account information. Representatives can look up your account history, explain what changed and what stayed the same, and help you with any account adjustments you want to make.

If you are looking for information about a specific SunTrust product or service you had before the merger, tell the representative what you held and when. They can tell you whether that product is still available under Truist, whether it was discontinued, or whether it moved to a different part of the bank.

Frequently Asked Questions

Can I still use my old SunTrust debit card?

Yes, until it expires. Truist has mailed new cards to most customers, but your old SunTrust card remains valid. Once your new Truist card arrives, set up it and use it going forward. You can request a replacement card through Truist's mobile app or by calling 1-800-872-2657.

Did my account number change when SunTrust became Truist?

No. Your account number stayed the same. If you set up automatic payments or transfers using your SunTrust account number, those continued working without any changes on your part.

What if I had a SunTrust loan or mortgage?

Your loan transferred to Truist. Your loan number, balance, and payment terms stayed the same. You can make payments through Truist's online banking or mobile app using the same login you used before. If you have questions about your loan, contact Truist at 1-800-872-2657.

Is Truist the same company as BB&T?

Truist is the new company created when SunTrust and BB&T merged. It is not a subsidiary or division of either bank — it is the combined entity. Both SunTrust and BB&T customers now bank with Truist.