BB&T Bright Banking Reviews (June 2021)

Highlights
Monthly Fee	$12
ATM Fee: Out-of-Network	$3
Minimum Balance to Avoid Monthly Fee	$1,500
APY (Annual Percentage Yield)	0%

BB&T Bright Banking Review

BB&T Bright Banking is offered by BB&T, a bank founded in 1872 and based in Winston Salem, NC. BB&T Bright Banking is available in 15 states (and Washington, DC).

Key Takeaways

0% APY. As with most checking accounts, BB&T Bright Banking does not pay interest.
$0 monthly Service Charge available. This account charges a monthly service fee of $12, but the fee is waived if you keep a minimum balance of $1,500 or have a monthly direct deposit of $500.
Bill pay. Pay your bills to practically anyone in the United States through BB&T.

BB&T Bright checking Pros & Cons

Pros	Cons
Monthly service fee waived (see terms for requirements). Access to physical branches. Free debit card and the option to lock/unlock the card if lost or stolen Access to a nationwide network of ATMs.	No signup bonus. Does not earn interest Only available in 15 states. Higher than average wire transfer fees. Monthly service charge (if minimums are not met). Charges a higher than average fee on out-of-network ATM transactions.

BB&T Bright checking FAQ

Are checking accounts from BB&T federally insured?

Yes, your BB&T checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does BB&T Bright checking offer?

BB&T Bright checking is not an interest-bearing account.

What are the account minimums for BB&T Bright checking?

BB&T Bright checking requires a minimum initial deposit of $50 to open an account.

BB&T Bright checking Account Minimums
Description	Amount
Minimum Opening Deposit	$50
Minimum Direct Deposit to Avoid Monthly Service Fee	$500
Minimum Balance to Avoid Monthly Service Fee	$1,500

What fees does BB&T Bright checking charge?

The good news is that this account does not have a monthly Service Charge.

BB&T Bright Banking Fees
Description
ATM Fee: In-Network	$0
Check Cashing Fee	$0
Check Copy	$5
Check Image Service	$4
Debit Card Replacement Fee	$5
Early Account Closure	$0
Foreign Transaction Fee (Debit Card)	3%
Monthly Fee	$12
NSF Fee	$36
Online Bill Pay Fee	$0
Overdraft Item Fee	$36
Overdraft Protection Fee (per transfer)	$12.50
Paper Statement Fee	$5
Returned Deposit Fee (Domestic)	$12
Returned Deposit Fee (International)	$12
Stop Payment Fee	$35
Wire Transfer Fee - Domestic (Incoming)	$15
Wire Transfer Fee - Domestic (Outgoing)	$30
ATM Fee: Out-of-Network	$3

Does BB&T Bright checking charge overdraft fees?

Yes, BB&T Bright checking charges a $36 fee for every overdraft.

BB&T Bright checking offers overdraft protection at a cost of $12.50 per transaction.

What features and perks does BB&T Bright checking offer?

This account includes the following features:

Fraud monitoring - BB&T Bright checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - BB&T Bright checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for BB&T Bright checking?

The customer support email for BB&T Bright checking is ClientResolution@Truist.com.

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