Truist Bank Zelle Not Working Problem [Reasons]

If you have run into issues using Zelle with Truist bank account, you are on the right post. You are not alone and many users have faced this issue on using Zelle with Truist Bank. In this guide, we will look at some of the possible reasons and solutions for the Zelle not working issue for Truist Bank.

Truist bank, formed by the merger of BB&T bank and Suntrust bank in 2019, offers Zelle as a money transfer option on its mobile app as well as website. With Zelle, you can register your Truist bank account with a US mobile number or email id, that acts as the vehicle to do instant transfers with other users who have a US bank account.

While Zelle transfers are usually convenient and hassle-free, you may run into some issues from time to time.

With Truist bank, the number of issues reported by users in using Zelle is particularly high. What adds to this problem is the extremely high hold times when you attempt to reach customer service of the bank (sometimes taking 1 hour plus) without a resolution.

Many users also report not receiving the funds sent via Zelle to their Truist bank account. In such cases, though the fund is immediately deducted from the sender’s balance, it is not credited to your Truist bank account sometimes even for days.

Other users face issues sending money via Zelle, even missing important rent payments.

So at the outset, it is best to avoid using Zelle with Truist bank for the time being and use any alternate bank that you have for purpose of Zelle.

Why Truist Bank Zelle is not working?

There can be many reasons for Truist Zelle not working issue but the main reasons include transfer put on hold due to security flags, transfer exceeding Zelle limits, the problem with Zelle account set up -US mobile number or email id used, or app cache issues.

With that context, let’s examine the common reasons for Zelle not working and discuss some possible solutions.

Reasons for Zelle Not working:

  1. Technical issues with the Truist Zelle account set up
  2. Transfer failed due to security issues
  3. Transfer amount exceeding Zelle limit
  4. Issue with US Mobile number or email id used for Zelle enrollment
  5. Issue with Recipient US Mobile Number or Email id
  6. Network connectivity issues
  7. Truist bank app version or cache Issues
  8. Outage with Zelle Service

Technical issues with the Zelle account set up via Truist

Many issues seem to crop up for inherited users of Truist bank i.e. those who have an account with BB&T and Suntrust bank earlier. It seems to be a transition issue relating to the migration of these accounts to Truist.

Also, for Suntrust bank holders, Zelle is available only on the website using online banking (using Pay & Transfer).

If you are facing the issue of receiving money and the sender receives a message that  “We can’t send money to this recipient right now.” it may have to do with your account set up at the receiver’s end, when using your email id or phone number linked to your Truist bank.

You can request the sender to delete you as a recipient and re-add you at their end (using a phone number preferably). This solved the problem of a few users.

For send problems, the same resolution can be adopted. For some users, re-enrolling in Zelle solved the issue. However, this can be a pain and not convenient.

It is best to consider alternate banks for Zelle, as this is one of the major problems with the transition of accounts to Truist bank.

Transfer Failed due to Security Issues

With the rising Zelle frauds, many times the transfers can be put on temporary hold due to security reasons.

In such cases, the money may be deducted at the sender’s end and does not reach you. There are also other scenarios where a transaction may be flagged as suspicious by the Truist bank’s systems leading to putting the transfer on hold. e.g. if you have just received an amount and immediately attempt to send it through Zelle, it could be seen as a red flag and put on hold.

In such cases, your best bet is to get in touch with the bank customer care service team and get the block released with the necessary explanation.

Truist bank app version or cache Issues [if you are using mobile app]

Make sure you are using the latest version of the Truist Bank Mobile App on your phone.

Many times, you won’t be able to use Zelle if you are using an outdated version of the bank mobile app.

Another common problem is issues with app cache data. Sometimes clearing the app cache data on your mobile can solve such problems.

You can clear your Truist bank cache data- Go to Settings on your mobile-> Applications->Find the Truist mobile app from the list->Clear cache data

You will have to log in again in the app, so do make sure you have your credentials.

Another alternative for this situation is to try attempting the transfer instead of on the Truist bank website. This has worked for many users.

Transfer Exceeding Zelle Limits

The transfer limits for Truist Bank via Zelle are only $ 2,000 per day and $5,000 per month. This amount is relatively on the lower end when you compare it with other bank limits. So if you attempt to transfer an amount that exceeds the limits, it will fail.

In such cases, the only solution is to consider alternate modes of payments if you are looking for an alternate transfer. You can use a wallet like Venmo or Cash app, where you have linked your bank account to do an instant transfer to the respective wallet account of such recipient.

US Mobile Number or Email id for Zelle enrollment

Many times, you may attempt to use the same mobile number or email id for linking Zelle with multiple bank accounts. This obviously does not work and results in an error.

There can also be cases where someone may have registered using such a mobile number or email id with Zelle in the past.

In the case of Truist bank, sometimes re-enrolling into Zelle may help to resolve the issue, probably arising out of the migration. However, it is not a surefire fix.

Issue with Recipient US Mobile Number or Email id

There are cases where a Zelle transfer may fail due to incorrect details of the email id or US mobile number of the recipient.

Since Zelle works based on the email id or US mobile number that has been linked to a US bank account, any error in these details will cause the transfer to fail.

There can also be cases where the recipient is not registered on Zelle for the US mobile number or email id you have entered.

You can also try re-adding the recipient.

Make sure you double-check the details with the person, to whom you want to transfer the money. There is also a feature in Zelle where the person has to send you a request for the money instead. So you can even use this and have him or her send a money request.

Network connectivity issues

Sometimes the Zelle transfer with the Truist Bank account just fails to go through due to internet connectivity issues.

Make sure to check you are connected to a strong mobile data or WiFi signal to be able to avoid these issues.

Outages with Zelle service

Another issue that cannot be ruled out is that the Zelle transfer service being down many times. You can use the resource: to check if there are any issues with the Zelle service.

This is still a rare case for Truist Bank account holders, as it is more often than not the issue may be related to Truist bank-specific.

Alternatives to Zelle

If Zelle does not work for you after all attempts, you may try alternative options for instant transfer. If you and the person whom you want to send money use wallets like Apple Pay, Venmo, Cash App, you can try sending money through a wallet for small amounts.

In such a case, you can

  • link your Truist Bank Debit Card to your wallet
  • Add funds from your Bank to your Wallet
  • Do a wallet-to-wallet transfer to your friend

Alternative Banks for Zelle

You can also consider alternative bank options that work fine with Zelle including

Wrap Up

The issues with Truist Bank Zelle not working can be really frustrating and majorly seem to be stemming out of the transitional problems for BB&T and Suntrust Bank users. It is best to consider alternative banks for Zelle transfer till the issue resolves.

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I have a passion for finance and technology. On this blog, I share helpful information on products and services that we use in our daily lives and simplify things I learned the hard way.

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