BB&T Routing Number: Everything You Need To Know

Author Mary J. Goldsberry 13 Apr 2025

Ever wondered what a BB&T routing number is and why it's essential for your banking needs? Well, buckle up because we're diving deep into the world of routing numbers, and by the end of this article, you'll be a pro at navigating them. Whether you're setting up direct deposits, paying bills online, or transferring money between accounts, understanding your BB&T routing number is key. So, let's get started!

Banking can sometimes feel like navigating a maze, especially when terms like "routing number" pop up. But don't sweat it! We're here to break it down for you. A routing number is basically a unique code assigned to your bank that ensures your money gets where it needs to go. Think of it as the ZIP code for your financial transactions.

Now, if you're a BB&T customer, knowing your specific routing number is crucial. It helps streamline your financial activities and ensures everything runs smoothly. Whether you're dealing with local or national transactions, having the right routing number is like having the right key to unlock the door. Let's explore more about BB&T routing numbers and how they impact your banking experience.

What is a Routing Number?

A routing number, also known as an ABA routing transit number, is a nine-digit code used to identify financial institutions in the United States. It's kind of like a fingerprint for banks and credit unions, ensuring that funds are routed correctly during transactions. This number plays a vital role in various banking activities, such as direct deposits, bill payments, and wire transfers.

Routing numbers were first introduced back in 1910 by the American Bankers Association (ABA) to simplify the check-clearing process. Since then, they've become an integral part of the banking system, helping to maintain order and efficiency in financial transactions.

Why Do You Need a BB&T Routing Number?

Having the correct BB&T routing number is essential for several reasons:

Direct Deposits: If you want your employer to deposit your paycheck directly into your BB&T account, you'll need to provide the right routing number.
Bill Payments: Setting up automatic payments for utilities, loans, or subscriptions requires your BB&T routing number to ensure funds are withdrawn from the correct account.
Wire Transfers: Whether you're sending or receiving money internationally, a routing number is necessary to complete the transaction accurately.

Without the correct routing number, your transactions might get delayed or even rejected, so it's crucial to double-check before initiating any financial activity.

BB&T Routing Number Explained

BB&T, now part of Truist Financial Corporation, uses specific routing numbers depending on your location and the type of transaction you're conducting. Unlike some banks that use a single routing number nationwide, BB&T assigns different numbers based on the state where your account was opened.

For example, if you opened your BB&T account in North Carolina, your routing number will differ from someone who opened their account in Virginia. This regional variation ensures accurate processing of transactions within each state's banking network.

How to Find Your BB&T Routing Number

Finding your BB&T routing number is easier than you think. Here are a few methods:

Check Your Checks: The routing number is usually the first set of numbers printed at the bottom left corner of your checks.
Online Banking: Log in to your BB&T online account and navigate to the account summary section. Your routing number should be listed there.
Mobile App: Download the BB&T mobile app and access your account information to find the routing number.
Customer Service: If you're unsure or don't have access to checks or online banking, call BB&T's customer service for assistance.

Remember, using the wrong routing number can lead to transaction errors, so always verify it before proceeding.

Regional Differences in BB&T Routing Numbers

As mentioned earlier, BB&T routing numbers vary by region. Below is a table outlining the routing numbers for different states:

State	Routing Number
Alabama	063101447
Florida	063102044
Georgia	061000093
Kentucky	044000030
Maryland	052001636
North Carolina	053101466
South Carolina	053201468
Tennessee	064000043
Virginia	051403467
West Virginia	051404161

Make sure to confirm your state's routing number to avoid any hiccups during transactions.

Common Mistakes to Avoid

Here are some common mistakes people make when using BB&T routing numbers:

Using the wrong routing number for the state where their account was opened.
Confusing the routing number with the account number.
Not verifying the routing number before initiating a transaction.

Avoid these pitfalls by double-checking your routing number and keeping it in a safe place for future reference.

BB&T Routing Number for International Transactions

If you're dealing with international wire transfers, you'll need more than just your BB&T routing number. In such cases, you'll also require a SWIFT code, which is a unique code that identifies banks globally. BB&T's SWIFT code is BKTRUS44.

International transactions involve additional steps and fees, so it's essential to consult with BB&T customer service to ensure everything is set up correctly. They can guide you through the process and provide any additional information you might need.

Security Measures for Your BB&T Routing Number

While your routing number isn't as sensitive as your account number or Social Security number, it's still important to protect it. Sharing your routing number with untrusted parties can lead to unauthorized transactions. Here are some tips to keep your routing number secure:

Only share your routing number with trusted entities, such as employers or billers.
Avoid posting your routing number online or sharing it via email unless absolutely necessary.
Regularly monitor your account for any suspicious activity and report it immediately to BB&T.

Taking these precautions will help safeguard your financial information and prevent potential fraud.

BB&T Routing Number vs. Account Number

It's easy to confuse a routing number with an account number, but they serve different purposes. Your routing number identifies your bank, while your account number identifies your specific account within that bank. Think of it like your bank's address versus your personal mailbox.

When setting up transactions, you'll typically need both the routing number and account number. Make sure to enter them correctly to avoid any issues with your funds.

How to Protect Your Account Number

Your account number is more sensitive than your routing number, so it's crucial to keep it secure. Here's how:

Shred any documents containing your account number before disposing of them.
Use strong passwords for your online banking accounts and enable two-factor authentication.
Be cautious when sharing your account number, even with trusted individuals.

By taking these steps, you can help protect your financial information and reduce the risk of fraud.

Tips for Using BB&T Routing Number Effectively

Now that you know what a BB&T routing number is and how to find it, here are some tips to use it effectively:

Always verify the routing number before initiating any transaction to ensure accuracy.
Keep a record of your routing number in a secure location for easy access when needed.
Regularly review your account statements to ensure all transactions are legitimate.

By following these tips, you'll be able to manage your financial transactions with confidence and efficiency.

Common Questions About BB&T Routing Numbers

Here are some frequently asked questions about BB&T routing numbers:

Can I use the same routing number for multiple accounts? Yes, but only if the accounts were opened in the same state.
Is my BB&T routing number the same for savings and checking accounts? Yes, as long as both accounts were opened in the same state.
What happens if I use the wrong routing number? Your transaction may be delayed or rejected, so always double-check.

These answers should help clarify any doubts you might have about BB&T routing numbers.

Conclusion

In conclusion, understanding your BB&T routing number is crucial for managing your financial transactions effectively. Whether you're setting up direct deposits, paying bills, or transferring funds, having the correct routing number ensures everything runs smoothly. By following the tips and best practices outlined in this article, you'll be able to navigate the world of routing numbers with ease.

We encourage you to share this article with friends and family who might benefit from the information. Don't forget to check out our other articles for more insights into personal finance and banking. And as always, if you have any questions or feedback, feel free to leave a comment below!