How To Serve Legal Papers on Truist Financial Corporation (Formerly BB&T)

How to Serve Legal Papers on Truist Financial Corporation

Why Truist Financial Corporation Is Hard to Serve

Truist Bank Is NC State-Chartered, Not an OCC National Bank

Process servers who regularly serve Chase, Wells Fargo, U.S. Bank, or PNC are conditioned to work with OCC-chartered national banks. For those institutions, 12 U.S.C. § 94 fixes venue in the county or city where the OCC-designated main office sits, and a predictable federal framework governs every step of service. Truist Bank does not fit that framework. Its OCC Charter Number is 0 — there is no OCC charter. FDIC Certificate No. 9846 identifies Truist Bank as a state-chartered non-member bank, and FFIEC RSSD-ID 852320 confirms its regulatory footprint. The North Carolina Office of the Commissioner of Banks is the primary regulator; the FDIC supervises the institution federally under 12 U.S.C. § 1813, the statute that governs state non-member banks, not the OCC statutes that govern national banks. Service is governed instead by North Carolina’s Commercial Bank Act at N.C.G.S. Chapter 53C, the registered-agent requirements at N.C.G.S. § 55D-30, and the general federal service framework at FRCP 4(h). Servers who import the § 94 national-bank service analysis produce affidavits that cite statutes inapplicable to this institution. Courts in Truist’s footprint states have no obligation to treat the resulting service as valid.

BB&T Corporation Is Legally Extinct — December 6, 2019

BB&T Corporation stopped using that name on December 6, 2019, but the legal entity itself did not dissolve. The merger transaction worked as follows: SunTrust Banks, Inc. merged with and into BB&T Corporation, with BB&T as the surviving entity. Simultaneously, BB&T Corporation renamed itself Truist Financial Corporation. The IRS Employer Identification Number 56-0939887 and SEC File Number 1-10853 carried by BB&T Corporation are now the identifiers for Truist Financial Corporation — it is the same legal entity operating under a new name. That means any pre-2019 claim that named BB&T Corporation is not naming a dissolved entity. It is naming a renamed entity, and FRCP 25(c) provides the procedural vehicle to substitute Truist Financial Corporation as the proper defendant going forward. The practical problem is stale address data. Pre-2019 BB&T filings listed Winston-Salem, NC addresses — including the 200 West Second Street headquarters — that no longer reflect the current principal office or registered agent. Service at those addresses against a complaint captioned “BB&T Corporation” misses on two grounds: wrong name, wrong address.

SunTrust Banks, Inc. Is Legally Extinct — Same Date, Different Mechanism

SunTrust Banks, Inc. suffered a different legal fate from BB&T Corporation. It did not survive as a renamed entity. It was dissolved outright through the merger into BB&T Corporation on December 6, 2019. The Atlanta, Georgia principal office — including SunTrust’s former 303 Peachtree Street NE headquarters — is entirely stale for process service purposes. There is no surviving SunTrust Banks, Inc. legal entity at any address. Any pre-2019 claim captioned against SunTrust Banks, Inc. at the holding-company level routes via FRCP 25(c) to Truist Financial Corporation. At the operating-bank level, SunTrust Bank was simultaneously merged into Branch Banking and Trust Company on December 6, 2019; Branch Banking and Trust Company then renamed to Truist Bank. Pre-2019 claims against SunTrust Bank at the operating-bank level route via FRCP 25(c) to Truist Bank. A server dispatched to Atlanta with papers captioned “SunTrust Banks, Inc.” is attempting service on a dissolved entity at a location with no successor presence — courts treat that as no service at all.

Charlotte HQ vs Winston-Salem and Atlanta Legacy Addresses

Post-merger, Truist Financial Corporation consolidated its principal office at 214 North Tryon Street, Charlotte, NC 28202. That is the authoritative current address for both the holding company and the operating bank for service of process purposes. The confusion persists because legacy data sources still display pre-2019 addresses. Truist’s SEC 8-K filings contain a 336 area-code phone number that traces to BB&T’s Winston-Salem operational legacy — that number reflects an operational facility, not the registered agent or the principal office. A process server who pulls BB&T’s pre-2019 registered agent or principal office data from EDGAR and sees Winston-Salem, NC addresses is working from a stale source. Equally, any Atlanta, GA address associated with SunTrust’s pre-2019 operations has no relevance to current Truist service. The registered agent for both Truist Financial Corporation and Truist Bank is Corporation Service Company, 2626 Glenwood Avenue, Suite 550, Raleigh, NC 27608, as currently reflected in the NC Secretary of State filings. Undisputed Legal verifies the current Charlotte address and Raleigh CSC registered agent against live FFIEC NIC and NC Secretary of State records before every dispatch.

Our Process for Serving Truist Financial Corporation

1. Four-Entity Disambiguation. Before a single document leaves our office, we run entity identification across all four relevant predecessor entities — Truist Financial Corporation (formerly BB&T Corporation), Truist Bank (formerly Branch Banking and Trust Company), SunTrust Banks, Inc. (extinct holding company, dissolved December 6, 2019), and SunTrust Bank (extinct operating bank, dissolved December 6, 2019) — to confirm which entity is the correct defendant.
2. NC State Charter Verification. We confirm Truist Bank’s active standing and charter status via the North Carolina Office of the Commissioner of Banks and FFIEC NIC (RSSD-ID 852320, FDIC Cert No. 9846). This step explicitly confirms the absence of an OCC charter, so every affidavit reflects the correct regulatory framework — state-chartered bank governed by NC law and FRCP 4(h), not 12 U.S.C. § 94. Competitors who skip this step produce affidavits that cite the wrong statutory basis for venue.
3. Registered Agent Current Address Verification. We verify the current Corporation Service Company registered agent address for both Truist Financial Corporation and Truist Bank via real-time lookup with the North Carolina Secretary of State. For out-of-state service, we verify the applicable state CSC address with that state’s Secretary of State. CSC maintains registered agent presence in all 50 states for Truist entities. The current North Carolina address is 2626 Glenwood Avenue, Suite 550, Raleigh, NC 27608.
4. Legacy Address Rejection Check. We cross-reference every address in the service package against current FFIEC NIC, SEC EDGAR, and NC Secretary of State filings to confirm it is a live principal or registered-agent address — not a Winston-Salem BB&T legacy address, an Atlanta SunTrust legacy address, or any stale pre-2019 filing data. If the address does not match current records, the attempt does not proceed until the correct address is confirmed.
5. Three-Attempt Discipline, GPS-verified. Every attempt on every confirmed address is GPS-verified at the time of each attempt, capturing exact coordinates and timestamps. GPS-verified affidavits reflect actual attempt coordinates — no reconstructed timestamps, no generic location codes. Three attempts on each active address before non-service documentation is generated and returned to counsel.
6. Same-Day Dispatch for Time-Sensitive Matters. For TROs, preliminary injunctions, and statute-of-limitations deadlines, same-day dispatch is available in the Charlotte, NC metro, the Raleigh, NC area, and major Truist footprint markets across all 15 states plus DC. Rush scheduling is also available for next-available-slot priority placement. See pricing below.
7. GPS-verified Affidavit Production. Final affidavits are GPS-verified, notarized, and formatted to comply with service requirements in the court where the action is pending. Affidavits are accepted in all 50 states and in federal district courts across Truist’s complete 15-state service footprint.

Where to Serve Legal Papers on Truist Financial Corporation

Verify current status with the NC Secretary of State and FFIEC NIC before service. For pre-2019 BB&T or SunTrust claims, FRCP 25(c) successor analysis is required to identify the proper Truist entity at parent or bank level before service proceeds.

Compliance and Legal Framework for Serving Truist

Federal Rules — FRCP 4(h)(1)(A), 4(h)(1)(B), and 25(c)

Federal Rule of Civil Procedure 4(h)(1)(A) authorizes service on a domestic corporation by delivering a copy of the summons and complaint to an officer, a managing or general agent, or any other agent authorized by appointment or by law to receive service of process. For Truist Financial Corporation and Truist Bank, Corporation Service Company is the authorized registered agent in North Carolina and in all 50 states. Delivery to CSC at the registered agent address on file with the applicable Secretary of State satisfies FRCP 4(h)(1)(A). Federal Rule of Civil Procedure 4(h)(1)(B) additionally authorizes service by following the state long-arm rule of the state where the district court sits or where service is made — meaning that service on Truist entities in North Carolina follows North Carolina’s registered-agent and corporation-service statutes regardless of which federal district court is handling the underlying action. Federal Rule of Civil Procedure 25(c) governs successor substitution — for pre-2019 BB&T and SunTrust claims at both holding-company and bank level, it is the procedural vehicle to substitute Truist Financial Corporation or Truist Bank for the predecessor entity.

North Carolina Corporation and Registered Agent Statutes

North Carolina General Statutes § 55-15-09 governs service of process on North Carolina domestic corporations generally. Because Truist Financial Corporation and Truist Bank are both domiciled in North Carolina, § 55-15-09 is the applicable state-law service provision. N.C.G.S. § 55-15-10 separately addresses service on foreign corporations registered to do business in North Carolina — relevant when serving Truist in the context of North Carolina litigation involving out-of-state Truist subsidiaries or affiliates. N.C.G.S. § 55D-30 establishes the registered-agent framework: every North Carolina corporation must continuously maintain a registered agent with a registered office in the state, and that office address is the proper address for receiving process. Service on CSC at the current Raleigh address satisfies the registered-agent requirement under § 55D-30 and produces a facially valid affidavit under North Carolina law.

12 U.S.C. § 94 Does Not Apply to Truist Bank

12 U.S.C. § 94 is the national bank venue statute. It fixes venue for suits against a national bank in the county or city where the bank’s OCC-chartered main office is located and creates a specific framework that process servers use to identify the correct service location for Chase, Wells Fargo, U.S. Bank, Citibank, and other OCC-chartered institutions. Truist Bank carries OCC Charter Number 0. There is no OCC charter. There is no OCC-designated main office. The federal supervisor for Truist Bank is the FDIC under 12 U.S.C. § 1813, which governs state-chartered banks that have not joined the Federal Reserve System as member banks — Truist Bank is a Federal Reserve non-member. Process servers or attorneys who cite § 94 to argue that Truist Bank must be served in a particular federal district based on OCC main-office location are citing a statute with no jurisdictional predicate as to this institution. Venue for suits against Truist Bank follows general federal venue rules under 28 U.S.C. § 1391 and the applicable state long-arm statutes for state court actions — not the § 94 national-bank venue shortcut.

FRCP 25(c) Successor Analysis — Pre-2019 BB&T and SunTrust Claims

The December 6, 2019 merger requires two separate successor analyses, and they must be applied at the correct level of the corporate structure. At the holding-company level, there are two predecessor paths: BB&T Corporation, which survived as a renamed entity (now Truist Financial Corporation), and SunTrust Banks, Inc., which was dissolved through merger into BB&T. Both holding-company predecessor paths produce the same successor: Truist Financial Corporation. At the operating-bank level, there are also two predecessor paths: Branch Banking and Trust Company, which survived as a renamed entity (now Truist Bank), and SunTrust Bank, which was merged into and dissolved into Branch Banking and Trust Company. Both operating-bank predecessor paths produce the same successor: Truist Bank. The critical analytical step before service is identifying whether the original claim named the holding company or the operating bank. Counsel who name the wrong Truist entity — serving Truist Financial Corporation when the conduct claim belongs to Truist Bank, or vice versa — give opposing counsel a viable FRCP 12(b)(5) motion.

DCWP License No. 1420758-DCA — New York City Scope

Undisputed Legal holds DCWP License No. 1420758-DCA, which authorizes process server operations within the five boroughs of New York City. That license is geographically scoped to the five boroughs. Truist Financial Corporation and Truist Bank maintain their principal office in Charlotte, NC, and their primary registered agent in Raleigh, NC. Neither entity maintains a principal office or primary registered agent within the NYC five boroughs. For all Truist service outside NYC’s five boroughs, Undisputed Legal operates under applicable state process server licensing and the court rules of the jurisdiction where service is made.

The service frameworks described on this page reflect current published statutes and procedural rules. Consult a licensed attorney to confirm the applicable service method, venue analysis, and successor-in-interest caption requirements for your specific claim before proceeding with service of process on any Truist entity.

How Do I Serve Legal Papers on Truist Financial Corporation?

Start by identifying which Truist entity your claim runs against. For a claim against the parent holding company — conduct by the corporate parent, securities claims, or holding-company-level fiduciary duty claims — the correct defendant is Truist Financial Corporation. Serve it by delivering process to Corporation Service Company, 2626 Glenwood Avenue, Suite 550, Raleigh, NC 27608 — the current registered agent on file with the North Carolina Secretary of State. Alternatively, service at the principal office at 214 North Tryon Street, Charlotte, NC 28202, under FRCP 4(h)(1)(A) is valid when delivered to an officer or authorized agent. The registered agent address is the more reliable delivery point and produces the cleaner affidavit record. For service in a state other than North Carolina, CSC maintains registered agent presence in all 50 states; verify the applicable state CSC address with that state’s Secretary of State before service to confirm the current address is on file.

For a claim against the operating bank — consumer accounts, loan disputes, deposit claims, commercial banking relationships — the correct defendant is Truist Bank. Service routes to the same CSC registered agent at the same Raleigh address. Truist Financial Corporation and Truist Bank share the registered agent and the Charlotte principal office. Name the correct entity at the outset to avoid a FRCP 12(b)(5) motion.

For a pre-2019 claim that originally named BB&T Corporation: the caption must be updated to Truist Financial Corporation before service. BB&T Corporation no longer exists under that name — it is the same legal entity, now operating as Truist Financial Corporation. File a FRCP 25(c) substitution motion or amend the complaint to reflect the current legal name, then serve Truist Financial Corporation at the Charlotte principal office or the Raleigh CSC registered agent address. Do not serve at any Winston-Salem address from BB&T’s pre-2019 operational footprint — those are legacy locations not associated with the registered agent or the current principal office.

For a pre-2019 claim that originally named SunTrust Banks, Inc.: the entity was dissolved on December 6, 2019. Unlike BB&T, there is no surviving SunTrust entity to rename the caption to — the FRCP 25(c) analysis substitutes Truist Financial Corporation as the successor to a dissolved entity. Update the caption, file the substitution, and serve Truist Financial Corporation in Charlotte or via CSC in Raleigh. For a pre-2019 claim at the bank level that named Branch Banking and Trust Company or SunTrust Bank, both predecessors were absorbed into what is now Truist Bank on December 6, 2019. FRCP 25(c) successor is Truist Bank in both cases; serve via CSC at the Raleigh address or at the Charlotte principal office.

Undisputed Legal handles entity disambiguation across Truist Financial Corporation and Truist Bank, FRCP 25(c) successor analysis for pre-2019 BB&T and SunTrust claims at both parent and bank levels, NC Commissioner of Banks verification, and CSC registered agent service in all 50 states. Call (212) 203-8001 or order service online.

Process Service Pricing for Truist Financial Corporation

Truist Financial Corporation and Truist Bank are North Carolina domestic entities with registered agent service available nationwide via CSC in all 50 states. Pricing below reflects Tier 3 corporate entity rates for domestic U.S. service. No Hague Convention fees apply — Truist is a domestic entity with no foreign parent company routing requirements.

Frequently Asked Questions — Serving Truist Financial Corporation

Where is Truist Financial Corporation’s principal office for service of process?

Truist Financial Corporation’s current principal office is 214 North Tryon Street, Charlotte, NC 28202. This is the post-merger consolidated headquarters for both the holding company and Truist Bank. The correct registered agent address for North Carolina service is Corporation Service Company, 2626 Glenwood Avenue, Suite 550, Raleigh, NC 27608. Winston-Salem, NC addresses from BB&T’s pre-2019 operational period are stale legacy locations. Atlanta, GA addresses associated with SunTrust’s pre-2019 headquarters — including the former 303 Peachtree Street NE address — are defunct for all Truist service purposes. Do not serve at either of those locations.

Is Truist Bank an OCC-chartered national bank?

No. Truist Bank is a North Carolina state-chartered commercial bank. It does not hold an OCC charter — its OCC Charter Number is 0 per its FFIEC Call Report. Its primary regulator is the North Carolina Office of the Commissioner of Banks; the FDIC supervises it federally as a state non-member bank under 12 U.S.C. § 1813. The national bank venue statute at 12 U.S.C. § 94 — which fixes venue for suits against OCC-chartered national banks based on main-office location — has no application to Truist Bank. Service rules are governed by N.C.G.S. Chapter 53C, N.C.G.S. § 55D-30, and FRCP 4(h).

Does BB&T Corporation still exist as a legal entity?

Yes, but only under the name Truist Financial Corporation. BB&T Corporation was not dissolved on December 6, 2019 — it survived the merger as the surviving legal entity when SunTrust Banks, Inc. merged into it, and simultaneously renamed itself Truist Financial Corporation. The same legal entity that held EIN 56-0939887 and SEC File Number 1-10853 as BB&T Corporation now holds those identifiers as Truist Financial Corporation. Any pre-2019 claim captioned against BB&T Corporation should be updated via FRCP 25(c) to reflect the current name — Truist Financial Corporation — before service is attempted. Service against a complaint still captioned “BB&T Corporation” reaches the right entity but creates a caption defect that opposing counsel can exploit.

Does SunTrust Banks, Inc. still exist as a legal entity?

No. SunTrust Banks, Inc. was legally dissolved through merger into BB&T Corporation on December 6, 2019. Unlike BB&T Corporation, which survived as a renamed entity, SunTrust Banks, Inc. no longer exists in any form. There is no surviving SunTrust Banks, Inc. registered anywhere. Its FRCP 25(c) successor for all pre-2019 claims at the holding-company level is Truist Financial Corporation. Its former Atlanta, Georgia principal office is defunct for service purposes.

How do I serve Truist Bank in states outside North Carolina?

Truist Bank’s service footprint covers 15 states and the District of Columbia: NC, SC, GA, FL, AL, MS, TN, KY, VA, WV, MD, DC, PA, NJ, TX, and IN. In each jurisdiction, Corporation Service Company maintains registered agent presence for Truist entities. For service outside North Carolina, verify the current CSC address in the relevant state with that state’s Secretary of State before service. FRCP 4(h)(1)(B) authorizes service by the long-arm rules of the state where the district court sits or where service is actually made — so compliance with local state service requirements controls in each jurisdiction.

Can I name “BB&T Corporation” or “SunTrust Banks, Inc.” in a 2025 complaint?

Naming BB&T Corporation in a 2025 complaint is a caption defect — the entity operates under the legal name Truist Financial Corporation, and courts will require correction before a default judgment can enter. Naming SunTrust Banks, Inc. in a 2025 complaint is a more fundamental defect — that entity was dissolved on December 6, 2019, and a dissolved entity cannot be a defendant. In both cases, the procedurally correct step is to file a FRCP 25(c) motion to substitute the surviving successor entity and amend the complaint to reflect the current legal name before service proceeds. Courts in Truist’s footprint states have seen this issue repeatedly since 2019; do not expect judicial tolerance for an uncorrected caption five years after the merger closed.

What happens if I serve Truist at its old Winston-Salem or Atlanta addresses?

Service at pre-2019 BB&T addresses in Winston-Salem, NC, produces service at a legacy operational facility that is neither the registered agent nor the current principal office for Truist Financial Corporation or Truist Bank. Service at pre-2019 SunTrust addresses in Atlanta, GA, is service at a location where no Truist legal entity has a registered presence — SunTrust Banks, Inc. was dissolved and its Atlanta operations have no legal successor presence at that address. In both scenarios, the result is the same: an unserved defendant, a motion to dismiss under FRCP 12(b)(5) for insufficient service of process, and a missed statute-of-limitations window if service was time-sensitive.

What is the difference between Truist Financial Corporation and Truist Bank for service purposes?

Truist Financial Corporation is the North Carolina publicly traded holding company (NYSE: TFC). It is the correct defendant when the claim arises from holding-company-level conduct — securities disclosures, parent-entity fiduciary duties, or corporate governance claims. Truist Bank is the wholly owned operating bank subsidiary, NC state-chartered and regulated by the NC Office of the Commissioner of Banks and the FDIC. Banking conduct claims — consumer deposit disputes, loan servicing failures, commercial banking relationships, account closures — arise from Truist Bank’s operations, making Truist Bank the proper defendant. Both entities share the same Charlotte principal office and the same Raleigh CSC registered agent, so service logistics are identical. Name the wrong entity and opposing counsel files a FRCP 12(b)(5) motion — the correct legal entity was never served.

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