
BB&T Bright Banking
in Checking Accounts from BB&T · Member FDIC
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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).
- 0% APY. As with most checking accounts, BB&T Bright Banking does not pay interest.
- Charges a monthly fee. This account charges a monthly maintenance 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.
- $50 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
- Free bill pay. Pay your bills to practically anyone in the United States through BB&T.
- Hard credit pull. BB&T may require a hard pull on your credit report to open a checking account.
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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 Banking offer?
BB&T Bright Banking is not an interest-bearing account.
What are the account minimums for BB&T Bright Banking?
BB&T Bright Banking requires a minimum initial deposit of $50 to open an account.
Description | Amount |
---|---|
Minimum Initial Deposit | $50 |
Minimum Direct Deposit to Avoid Monthly Fee | $500 |
Minimum Balance to Avoid Monthly Fee | $1,500 |
What fees does BB&T Bright Banking charge?
The good news is that this account does not have a monthly service charge.
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 |
What features and perks does BB&T Bright Banking offer?
This account includes the following features:
- Fraud monitoring - BB&T Bright Banking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - BB&T Bright Banking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 - (336) 733-3300
- Visit Site
Other Services by BB&T

Availability
- Alabama
- Washington, DC
- Florida
- Georgia
- Indiana
- Kentucky
- Maryland
- New Jersey
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- West Virginia
Feature Breakdown
Minimum Direct Deposit to Avoid Monthly Fee | $500 |
Minimum Initial Deposit | $50 |
Minimum Balance to Avoid Monthly Fee | $1,500 |
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