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Buy Bitcoin with Truist

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & FinCEN registers · How we verify · Report an error

Generally crypto-friendly.

Crypto Compatibility Score: 61/100 (Fair)

Score Breakdown:

  • Payment methods: 15/35 pts
  • Bank transfer reliability: 19/25 pts
  • Limits: 12/20 pts
  • Cost: 8/10 pts
  • Evidence: 7/10 pts

Supported payment methods: ach, wire

Last verified:

Quick Verdict

No in-app crypto at Truist. ACH to a regulated exchange works, but start with a smaller amount, larger first-time transfers can trigger extra verification.

  • [✗]

    Can you buy Bitcoin in the app?

    No, use an external exchange

  • [✓]

    Can you fund an exchange?

    Yes, but with restrictions

  • [›]

    Best funding method

    ACH Transfer

  • [!]

    Potential issue

    Larger first transfer may trigger step up verification

Top Exchanges for Truist

Step-by-step guide to buying Bitcoin with Truist

With Truist, you will typically send an ACH Transfer to a FinCEN registered exchange and trade once credited. Get started in minutes.

  1. Pick a regulated US exchange
    Choose a FinCEN-registered and state-licensed exchange and expect extra checks on first time funding.
  2. Create your exchange account
    Sign up and turn on two factor authentication.
  3. Complete identity verification
    Verify identity so you can deposit and trade.
  4. Link your Truist checking account
    Connect your Truist One Checking or other Truist account through the exchange bank linking flow, then confirm if required.
  5. Send funds via ACH transfer in Truist Mobile
    Open Truist Mobile, tap Transfers then External Transfers, add the recipient if needed, and approve any step up verification prompts.
  6. Wait for funds to arrive
    ACH deposits often take 1 to 3 business days, and larger first deposits may be delayed for review.
  7. Purchase Bitcoin
    Place your BTC order once the deposit posts as available.
  8. Secure your Bitcoin
    Move BTC to a personal wallet if you want self custody.

[!] Troubleshooting

  • If your first larger ACH is held, reduce the amount and complete any step-up verification prompt in-app or by phone.
  • If linking fails, recheck routing details and try linking as an external account first, then funding.
  • If debit card funding fails repeatedly, use ACH and avoid rapid retry loops that trigger risk locks.

Frequently Asked Questions

Can I buy Bitcoin with Truist?

Yes. Truist does not sell Bitcoin inside its consumer banking app, but you can buy BTC by transferring funds to Coinbase, Kraken, or Gemini and trading there. Truist's service agreement describes standard external transfers that credit on the third business day, and it also notes next day transfers may be available at Truist's discretion, so your first deposit timing depends on which option you have.

Can Truist customers buy crypto directly inside Truist One Checking?

Truist deposit accounts are built for banking and payments, not a native spot crypto buy and custody feature. Most customers fund a US exchange from Truist using ACH style transfers or wires, then trade in the exchange app.

Why does my Truist card purchase for crypto fail, and what is the cleaner funding method?

If card funding fails, switch to a transfer rail instead of retrying the card authorization. Truist publishes detailed pricing for wire transfer services and other transfer fees, which is why many users rely on bank transfers for repeat exchange deposits.

What are Truist's wire fees for sending money to an exchange, including online wire pricing?

Truist's Personal Deposit Accounts Fee Schedule lists incoming domestic wires at $15 and outgoing domestic wires at $30 for teammate-assisted wires. It also lists online outgoing domestic wire pricing at $20 per transfer, with notes about eligibility for certain relationship tiers.

Truist has separate fees for external transfers, how does that affect exchange funding?

Truist's fee schedule lists fees for funds transfers to or from external accounts, including separate pricing for standard vs next-day transfers. If you are funding an exchange through external payment methods, verify whether your transfer method falls under these fees.

Can I use Truist Zelle to send money to a crypto exchange?

Zelle is built for paying people you trust and does not include purchase protection. For exchange deposits, use an ACH style transfer or wire so the deposit is tied to bank transfer details and is easier to track end-to-end.

Evidence & Verification

This page references 4 sources: Truist Fee Schedule, Truist Zelle, Truist Source. Information was compiled from official sources and user reports.

Sources:

How we verify · Report an error

Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.