SunTrust/Truist Bank Merger - Different Routing Number for Tax Refund

I went through this exact situation. Here's what you need to know: Step 1: Don't panic. The bank has systems in place to handle this merger transition. Step 2: Call Truist customer service directly. I had to wait about 30 minutes, but they confirmed that during the transition period, both routing numbers are valid. They're forwarding deposits automatically. Step 3: For future reference, update your records with the new routing number. The old SunTrust routing number will eventually be phased out completely. Step 4: If you're really concerned, you can amend your return, but honestly, it's probably not necessary. The banking system is designed to handle mergers. Step 5: Keep documentation of when you filed and the confirmation number from your tax software just in case.

Call Truist directly. Their phone lines are swamped right now with tax season questions. I used Claimyr.com to get through to them in about 15 minutes instead of waiting for hours. The agent confirmed that refunds sent to old SunTrust routing numbers are being automatically redirected to your Truist account. They'll process correctly as long as the account number matches. Don't waste time on hold - https://youtu.be/_kiP6q8DX5c - this service saved me a lot of frustration.

I'm in the exact same boat with Truist! Just got off the phone with them after waiting forever. Here's what I learned: • Both routing numbers will work for the ENTIRE 2024 tax season • They've set up an automatic redirect system for all electronic deposits • Your account number is the critical piece - that needs to be correct • They're not planning to fully phase out old routing numbers until late 2024 • If you check your account online, you'll see the new routing number listed Honestly, I was stressed about this too, but they've apparently dealt with this situation thousands of times already this year. As long as your account number is right, your money will find its way home.

I went through this exact merger headache last year! My refund was delayed because I used the wrong routing number, and when I finally got my transcript from the IRS, it was full of confusing codes. I used https://taxr.ai to analyze my transcript - it explained exactly what was happening with my refund and showed me the banking trace numbers. Turns out my refund had been rejected by the bank and was being reprocessed. The tool predicted exactly when I'd get my money and explained all those mysterious codes on my transcript. Saved me hours of stress trying to decipher what was happening!

I'm sort of in a similar situation, but with Wells Fargo. I think I might have possibly used an old account number that I closed last year. Does anyone possibly know if the IRS will just mail a paper check if the direct deposit info doesn't work? I'm a little worried about what might happen...

This banking merger situation creates more confusion than necessary, doesn't it? The IRS actually has specific procedures for handling rejected direct deposits. Did you know that if your direct deposit is rejected due to incorrect banking information, the IRS automatically converts your refund to a paper check? This process typically adds 2-4 weeks to your refund timeline. But here's the real question: why do banks make these transitions so complicated for customers? You can verify if your refund was rejected for direct deposit by checking your tax transcript online or calling the IRS refund hotline. The transcript will show a code 841 if the direct deposit was rejected, followed by a code 971 indicating a notice was issued. Most people don't realize that banks are required by federal regulations to process deposits sent to old routing numbers during merger transitions for at least one year.

I work in banking (not Truist specifically) and can shed some light on this. Did you receive any notification from Truist about using the new routing number? Have you logged into your online banking recently to check if they've posted any alerts about this? Most major banks maintain routing number forwarding for 12-18 months after a merger. This is standard practice to prevent exactly the situation you're worried about. Have you received any official communication from Truist indicating that the old routing numbers are no longer valid?

I went through this exact situation with the SunTrust/Truist merger. I filed on January 29th, 2024 using my old SunTrust routing number by mistake. My refund of $3,842 was direct deposited successfully exactly 18 days later on February 16th. The bank automatically redirected it using their internal systems. According to the Truist representative I spoke with, they will continue accepting the old routing numbers through December 31, 2024. After that date, any ACH transfers or direct deposits using the old routing number will be rejected.