Truist ACH Transfer Limits

In this guide, we'll break down everything you need to know about Truist ACH transfer limits - including their relationship-based limit system, processing times, and how their approach compares to other major banks. We'll also explore alternatives when Truist's variable limits create operational uncertainty. For businesses needing predictable high-capacity payment processing, we'll cover Nickel, a B2B payment platform designed for large invoice-based payments, with free ACH transfers up to $1 million per transaction. If Truist's unpredictable limits are constraining your payment operations, this article will show you how to keep large payments moving efficiently.

Truist's Current ACH Transfer Limits

Truist takes a unique approach to ACH transfer limits by using a variable system rather than publishing fixed amounts. Truist provides few details about its transfer limits. However, you can be sure that your limits will vary based on factors like the age and history of your account, the account type, and your current and revolving balance history.

This dynamic approach means that unlike banks with published limits, you won't know your exact transfer capacity until you initiate a transfer request. When setting up the transfer, you'll see your current caps, but these amounts can change over time based on your account relationship and banking history.

Truist will periodically adjust your limits as your account history changes. However, there aren't any standardized tiers for raising your limit. This variable approach can create uncertainty for businesses trying to plan payment schedules or manage cash flow around predictable supplier obligations.

How Truist's Variable System Compares to Other Banks

Truist vs Major Competitors:

Limits vary based on account type and customer relationship

Truist's variable approach differs significantly from competitors who publish at least general limit ranges. While this system can potentially provide higher limits for established customers, it also creates uncertainty that can complicate business planning compared to banks with more transparent limit structures.

Most banks have written in their fine print that the daily/monthly ACH transfer limits rely heavily on your relationship with the bank, but Truist takes this approach further by making the entire limit system relationship-dependent rather than publishing baseline amounts.

Understanding Truist's Variable Limit System

To check your transfer limit, you'll need to initiate a transfer request. When setting up the transfer, you'll see your current caps. This real-time discovery approach means businesses can't plan around specific transfer amounts without first checking their current limits through the system.

The variable system considers multiple factors including account age, transaction history, balance patterns, and overall relationship depth with Truist. Long-term customers with consistent positive balances and regular account activity typically receive higher limits, while newer customers or those with recent account issues may face lower thresholds.

If you reach the transfer limit, you won't be able to make any more transactions until your limit resets. For specific information regarding transfer frequency and volume, it's best to contact Truist customer service. This uncertainty can be particularly challenging for businesses with time-sensitive payment obligations.

Daily and Monthly Transfer Patterns

Truist doesn't provide clear transfer caps for account holders, making it impossible to publish specific daily or monthly limits that apply universally. The bank's system appears to evaluate each customer individually rather than applying standardized tiers based on account types.

This approach means that two businesses with similar account types might have vastly different transfer limits based on their individual banking relationships. The lack of published patterns makes it difficult for businesses to benchmark their limits against industry standards or plan for future growth.

The variable nature also means that limits can change over time - either increasing as relationships strengthen or potentially decreasing if account patterns change or issues arise. This dynamic adjustment can catch businesses off guard if limits decrease during critical payment periods.

Business ACH Transfer Considerations

Truist offers business checking accounts with different features and potential limit structures. The Simple Business Checking account has no monthly service fee but is restricted to a limit of 50 total combined transactions and $2,000 in cash deposits, after which additional fees apply.

For businesses requiring more transaction capacity, Truist's Dynamic Business Checking provides higher limits but comes with monthly fees that can be waived based on balance requirements. However, the underlying ACH transfer limits still follow Truist's variable system regardless of account type.

Business customers face the additional challenge of not knowing their exact ACH capacity when planning large supplier payments or payroll processing. You may also be eligible for an increase if you upgrade your account. Moving from a base account to a premium or business account could lead to higher limits, though specific amounts aren't guaranteed.

Processing Times and Same-Day Options

Truist processes ACH transfers following standard banking timelines. With so many ways to use your checking account - like checks, debit card purchases, ACH transactions - it can be a little tricky to keep track of your transactions. Some show up almost right away, like debit card purchases. Others, like personal checks, get processed overnight.

Truist ACH Transfer Timing:

• Standard ACH: 1-3 business days typical processing
• Same-day processing: Available during regular banking hours
• Nightly processing: Occurs Monday through Friday except federal holidays
• Cut-off times: Various throughout the day for different transfer types

Deposits and credits will post to your account first, including cash and check deposits, and incoming transfers received before the cut-off time at the location the deposit or transfer was made. This posting order helps ensure that incoming ACH transfers are available to cover outgoing payments during the same processing cycle.

Fees and Cost Structure

Truist doesn't charge any fees for Zelle® or ACH transactions. You can use both of these services for free. This fee-free structure makes Truist competitive with other major banks offering free ACH transfers, providing significant cost savings for businesses processing multiple transactions monthly.

However, there are fees for wire transfers: domestic wire transfer costs $20 USD, while international wire transfer costs $35 USD. Many institutions also add fees or a percentage rate when sending international transfers, making wire transfers significantly more expensive than ACH options.

Most transfers are free, but external transfers or wires do have a fee. The distinction between free ACH transfers and paid wire services means businesses should understand which option best meets their needs for different payment scenarios.

Checking Your Transfer Limits

To check your transfer limits, log in to your Truist account and select "Transfer & Pay." You'll need to choose a transfer method (e.g., Zelle® or ACH) to view your limits. If you've already sent money within the current rolling period, you'll see your remaining cap amount.

This process requires businesses to check limits each time they plan a large transfer, as the amounts can change based on Truist's ongoing assessment of the account relationship. The lack of predictable, published limits means this checking process becomes a regular part of payment planning.

For businesses with regular large payments, this limit-checking requirement can slow down payment processing and make it difficult to provide accurate payment timing to vendors or employees expecting transfers.

Increasing Your Truist Limits

Truist will increase your Zelle® and ACH transfer limits periodically. The institution will base its decisions on the age of your account, whether it remains in good standing, your revolving balances, and other factors. Contact customer service if you have specific questions about transfer limit increases.

The process for requesting limit increases isn't standardized, making it difficult for businesses to plan around potential capacity improvements. Unlike some banks with clear criteria for limit increases, Truist's case-by-case approach means approval is unpredictable.

If you want to better understand how to qualify for higher limits, contact customer service. However, the lack of published criteria means businesses can't easily work toward specific benchmarks to earn higher transfer capacity.

International Transfer Limitations

International wires are the only option for sending money abroad with Truist. When transferring money with your bank account or Zelle®, you can only set up payments to other domestic accounts. This limitation means businesses with international suppliers or customers need separate solutions for overseas payments.

The Truist wire transfer maximum is 500,000 USD per 3-day rolling business period for international transfers. You can send this amount in a single transaction or multiple wires, but you can't increase the transfer limits for wires with Truist.

Be mindful of exchange rates and add-on fees when arranging wire transfers. These fees range widely and can have a big impact on the total cost of your transaction, making international payments significantly more expensive than domestic ACH transfers.

When Truist's Variable Limits Aren't Enough

Truist's variable ACH transfer limit system can create significant operational challenges for businesses requiring predictable payment capacity. The inability to plan around specific limits makes cash flow management more complex, especially for companies with regular large supplier payments or predictable payroll schedules.

Nickel offers unlimited free ACH transfers with single transaction limits up to $1 million, specifically designed for businesses that process large invoice-based payments. Unlike traditional banks with unpredictable variable limits, Nickel provides transparent, consistent capacity for business payment operations.

For businesses frustrated by Truist's unpredictable limit system or needing guaranteed high-capacity payment processing, exploring ACH alternatives designed for B2B operations can eliminate the uncertainty and planning complications associated with variable banking limits.

Companies requiring consistent payment capacity for supplier relationships, payroll processing, or client refunds could benefit from platforms that offer both predictable limits and transparent fee structures, making financial planning more straightforward than working within Truist's variable framework.

The Bottom Line

Truist offers competitive ACH transfer services with free processing and a relationship-focused approach to limits, making them suitable for many businesses comfortable with variable capacity. The fee-free structure provides genuine cost savings for regular ACH users, and the relationship-based system can potentially offer higher limits to established customers.

However, the variable limit system creates uncertainty that can complicate business operations requiring predictable payment capacity. The inability to plan around specific transfer amounts and the unpredictable nature of limit increases makes Truist better suited for businesses with flexible payment timing rather than those requiring guaranteed capacity.

For companies needing consistent high-capacity ACH processing or wanting to eliminate the uncertainty of variable limits, specialized B2B payment platforms designed for large transaction volumes provide more predictable and scalable solutions.

Ready to eliminate transfer limits and fees? Get started with unlimited free ACH transfers →