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Updated July 2026 · real, multi-region App Store reviews
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Is it worth paying for

Truist Mobile

65
Value score / 100 Worth paying? No Skip it

Truist Mobile is generally worth using for its convenience in daily banking tasks, but some users experience significant issues with check deposits, transfers, and app stability, making its value inconsistent.

Free to download seen up to $700 4.8★ lifetime (1,083,879) since 2021

Truist Mobile offers convenient banking from anywhere, allowing users to manage accounts, pay bills, and deposit checks easily. However, issues with check auto-capture, slow transfers, and frequent app maintenance can detract from the overall user experience.

Free vs paid

The app itself is free to download and use for all banking functions. However, some users report a $3.00 fee for transferring money to another bank, which also takes several days to process R25. There are also complaints about overdraft fees R57R102 and general bank fees R55.

Value complaints

  • Users are charged a $3.00 fee to transfer money to another bank, with transfers taking several days, which is seen as unreasonable for a paid service.R25
  • The bank charges overdraft fees, sometimes for transfers between accounts, which users find frustrating.R57R102
  • Some customers with CDs still report being charged various fees by Truist Bank.R55

Where it delivers

  • The app is highly praised for its ease of use and convenience for managing banking needs anytime, anywhere.R5R6R7R10
  • Mobile check deposit is a highly valued feature, saving users time and trips to the bank, despite some auto-capture issues.R1R11R19R34
  • The Zelle feature is highlighted as awesome, easy, convenient, and safe.R9R74R88R43
  • The app allows for easy fund transfers and bill payments, making financial management simpler.R28R29R42R48
Worth paying if

Based on the reviews, there is no explicit 'paid tier' for the app itself. The in-app purchases listed are likely for bank-related services or fees, not app features. Therefore, it is not worth 'paying' for the app, but rather understanding the fees associated with certain banking transactions.

Skip / stay free if

You should skip using Truist Mobile if you frequently need to transfer money to external banks quickly and without fees, as a $3.00 fee and multi-day processing time have been reported R25. Also, if you rely heavily on mobile check deposits and expect seamless auto-capture, you might find the app frustrating due to frequent issues R72R198R221.

Evidence note: The reviews are heavily skewed towards positive ratings (4.8 lifetime rating), with many generic 'great app' comments. Negative reviews often highlight specific functional issues or fee complaints. The in-app purchase price points are listed on the product page but are not directly linked to specific app features or subscriptions in the reviews, making it difficult to assess their value.

Frequently asked

Is Truist Mobile reliable for check deposits?
Truist Mobile offers convenient mobile check deposits, saving users trips to the bank, but many users report issues with the auto-capture feature and scanning signatures, often requiring manual capture or multiple attempts R1R72R198R221.
Are there fees for transferring money with Truist Mobile?
Yes, some users report a $3.00 fee for transferring money to another bank, and these transfers can take several days to process R25.
Does Truist Mobile have frequent downtime?
Yes, some users report that the app is constantly down for maintenance multiple times a week, making it inconvenient to use certain features R37R82.
Can I use Truist Mobile if I am an overseas customer?
Overseas customers face significant challenges, as it is reportedly impossible to make anything but small transfers without a wire pin, which Truist no longer sends by post, requiring a visit to a local branch R264.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R25] 2/5 · US Transfer: Not happy that it cost $3.00 to transfer money to another bank to make a truck payment, and it takes a few days to transfer, if I’m paying for it, it should be by like next day or immediately
  2. [R57] 5/5 · US Truist Mobile App: Love this app can check my balance anytime day or night and transfer monies between accounts to cover myself before overdraft charges are issued. Only thing I HATE is you charging $5.00 over limit fees I was unaware of just for transferring monies from one acct to another and at CHRISTMAS!!!!😡😡😡😡Otherwise it would have been 5* rating!!
  3. [R102] 4/5 · US Overdraft: I've been having some medical issues and there's been a couple times in the last month where my check didn't go through in time to cover other Medical? or other bills that I paid and I've been hit with overdraft fees. I think if you're gonna go into negative they should give you like a heads up the app if possible to give you like an hour or two to transfer money if you're gonna overdra
  4. [R55] 5/5 · US Truist Fee Bank: I have CD’s at Truist Bank and they still charge me fees on everything. Not to happy with Truist Bank.
  5. [R5] 5/5 · US Banking from Anywhere: I thoroughly enjoy satisfying all of my banking needs any time of day or night from wherever I happen to be.
  6. [R6] 5/5 · US Good App: Easy to use
  7. [R7] 4/5 · US It’s easy to use: I have been using this for over 10 years and love it.
  8. [R10] 5/5 · US Great App: Easy to use, does everything I need with multiple business accounts. B. Davis
  9. [R1] 5/5 · US Easy peasy: Depositing via Truist Mobile is “easy peasy” and takes no time at all. It’s a great way to deposit when you can’t get to the bank.
  10. [R11] 5/5 · US Easy: Being able to deposit using the mobile app just makes my life easier. I like that the app is easy to use for seniors.
  11. [R19] 5/5 · US Love it: Easy to use and love deposit feature.
  12. [R34] 5/5 · US Mobile Deposit: I’m really enjoying the convenience of mobile deposit. Thank you!, I would like it even better if Autocapture worked more often. For me it rarely works. Thus, I am required to use Manual capture almost every time I make deposits. The above is my only critical comment on mobile banking. Addendum: I always use manual capture. It works all the time and I’m satisfied.
  13. [R9] 5/5 · US Zelle: Awesome!
  14. [R74] 5/5 · US Zelle: Using Zelle has made my life so much easier.
  15. [R88] 5/5 · US Zelle: Easy convenience and safe
  16. [R43] 5/5 · US The best: Always working easy and quick deposits, zelle is easy, and customer service is great
  17. [R28] 5/5 · US Super user friendly app: This makes my life so easy. Tracking payments, paying bills, transferring funds, it’s so much easier than it used to be.
  18. [R29] 5/5 · US Easy: I’m able to easily transfer funds.
  19. [R42] 5/5 · US Very convenient: I appreciate being able to pay some of my bills online through Truist. It’s fast, efficient, trustworthy, and it saves postage.
  20. [R48] 5/5 · US Use it regularly: Helpful to keep an eye on balances and make deposits/transfers. Best thing since sliced bread
  21. [R72] 3/5 · US Never auto captures: Really frustrating. It never auto captures. When I have multiple checks to deposit it takes a looooooong time.
  22. [R198] 1/5 · US Deposit checks: Scanning the back is always problematic as it never reads the signature
  23. [R221] 2/5 · US Clunky: Check deposited is terrible. Always issues. I never have issues with schwab
  24. [R37] 2/5 · US Inconvenient maintenance: The App is good when it works, but seems to constantly be down multiple times a week for maintenance. Make it’s inconvenient to use some of its better features.
  25. [R82] 5/5 · US Great Banking App: I am thankful for the convenience and user friendly capabilities. The challenge comes when u want to use the app , but it is down as it process my banking transactions. The system has to be updated and all transactions have to be done. The problem is me with with patiently waiting and the TRUIST banking system can’t cater to all my 1st world problems . So I remain grateful and v
  26. [R264] 1/5 · GB Not fit for overseas customers: It is impossible to make anything but small transfers from Truist unless you have a wire pin. Unfortunately, when Truist took over from SunTrust they stopped sending out wire pins by post which means the only way to get one is to call in a local branch. It is almost unbelievable that customer reps don’t seem to see the problem for a non-US resident, do they seriousl

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store