Switch from Your Old Bank to Truss

Why the switch matters

Moving your banking to Truss gives you one place for payments, invoices, cards, and vendor bills. The transition is straightforward if you follow the right order.

Before you close your old account

Heads up: Do NOT close your old bank account until every automatic payment and direct deposit has been successfully moved to Truss. This usually takes one full billing cycle (30 days).

Switch checklist

Find your Truss routing and account numbers — Accounts → Cash → Account & Routing panel. Copy both.
Update payroll — Give your payroll provider (Gusto, ADP, QBO Payroll) your Truss numbers. Allow 1–2 pay cycles for the change to take effect.
Update automatic payments — Subscriptions, insurance, utilities, and any vendor that pulls from your account. Update each one with your Truss routing/account numbers.
Download a Bank Verification Letter — Some vendors need official proof of your account. Accounts → Cash → Bank Verification Letter (PDF).
Move your incoming payments — If customers pay via ACH or wire, give them your Truss routing/account numbers as your new banking details.
Connect QuickBooks — Link Truss to QBO so transactions automatically sync (Settings → Integrations → Connect QuickBooks).
Wait 30 days — Monitor your old account for any remaining activity. Once it's quiet, you can close it.

Tip: Your Truss account is FDIC-insured up to $3,000,000 — 12× the standard limit — through Thread Bank's sweep program, which automatically distributes your funds across multiple partner banks. It's a full business checking account, not a prepaid card or payment app.

What if something still hits the old account?

Keep a small balance in your old account during the transition period. If a payment you missed still hits, you won't be left with an overdraft fee or a returned payment.