Where to find your Truist PIN

Your Truist PIN is a four-digit code you create yourself — Truist does not assign it to you. If you set up a PIN when you opened your account or activated your debit card, that is the one you use at ATMs and in-store. If you cannot remember it, you will need to reset it rather than retrieve it, because Truist does not store or display your PIN in your account.

The fastest way to reset your PIN is through the Truist mobile app or online banking. Both let you change your PIN in a few minutes without calling anyone. If you do not have online access set up yet, you can also reset it at any Truist ATM or by calling Truist customer service.

Key Takeaways

  • Truist does not show you your PIN — you set it when you set up your card, and only you know it.
  • You can reset your PIN through the Truist mobile app, online banking, at a Truist ATM, or by phone.
  • Resetting through the app or online takes a few minutes and does not require a phone call.
  • At an ATM, insert your card, select "Change PIN," and follow the prompts to create a new four-digit code.
  • If you call Truist, have your card and a form of ID ready to verify your identity before they help you reset.

Reset your PIN through the Truist mobile app

Open the Truist mobile app and sign in with your username and password. Tap the menu icon (three horizontal lines) in the bottom right corner, then select "Settings." Look for "Card Services" or "Debit Card" and tap it.

Find the option that says "Change PIN" or "Reset PIN" and tap it. You will be asked to enter your current PIN if you remember it — if you do not, look for a "Forgot PIN" link on that screen. Enter your new four-digit PIN twice to confirm it matches, then tap "Confirm" or "Save." The app will show you a confirmation message, and your new PIN is active right away.

Reset your PIN through online banking

Go to truist.com and sign in with your username and password. Click on your name or profile icon in the top right, then select "Settings" or "Preferences." Find "Card Services," "Debit Card," or "PIN Management."

Click "Change PIN" or "Reset PIN." If you remember your current PIN, enter it. If not, select "I don't remember my PIN" and follow the verification steps — Truist may ask you to confirm your identity using information from your account. Create your new four-digit PIN, enter it again to confirm, and click "Save" or "Confirm." Your new PIN works at ATMs and in stores within a few minutes.

Reset your PIN at a Truist ATM

Insert your debit card into any Truist ATM and enter your current PIN. If you do not remember your PIN, some Truist ATMs have a "Forgot PIN" option on the main menu — select it and follow the prompts to verify your identity using your card and the last four digits of your Social Security number or other account information.

Once you are logged in, look for "Change PIN," "Reset PIN," or "Card Services" on the menu. Select it and enter your new four-digit PIN. The ATM will ask you to enter it again to confirm. Once you see a confirmation message on the screen, your new PIN is active when ready.

Reset your PIN by phone

Call Truist customer service at the number on the back of your debit card. A representative will ask you to verify your identity — have your card ready and be prepared to answer security questions or provide the last four digits of your Social Security number.

Once you are verified, tell the representative you need to reset your PIN. They will guide you through creating a new four-digit code over the phone. Write down your new PIN somewhere safe before you hang up. Your new PIN is active right away, though it may take a few minutes to work at all ATMs and merchants.

What to do if you are locked out of your PIN

If you enter an incorrect PIN too many times at an ATM or in a store, Truist may temporarily lock your card for security. This usually lasts 24 hours. You can still use your card online or by phone during this time — the lock only affects in-person transactions that require a PIN.

If your card is locked and you need to use it right away, call Truist customer service at the number on the back of your card. A representative can unlock it after verifying your identity. Once it is unlocked, you can reset your PIN using any of the methods above.

Frequently Asked Questions

Can I use my card before I set a PIN?

No. Truist requires a PIN before you can use your debit card at an ATM or in a store. You can use the card online or over the phone without a PIN, but you must create one to withdraw cash or make in-person purchases.

What if I forget my PIN again after I reset it?

You can reset it as many times as you need using the same methods — the app, online banking, an ATM, or by phone. There is no limit to how many times you can change your PIN.

Is my PIN the same as my online banking password?

No. Your PIN is only for ATMs and in-store purchases. Your online banking password is separate and only for signing into truist.com or the mobile app. You manage them independently.

How long does it take for a new PIN to work everywhere?

A new PIN usually works at Truist ATMs right away. At other ATMs and in stores, it may take a few minutes to an hour to sync across all merchants, though most of the time it works when ready.