BB&T Bright Banking
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| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0% |
| Monthly Fee | $12 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,500 |
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
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BB&T Bright checking FAQ
Are checking accounts from BB&T federally insured?
Yes, this account is 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.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $50 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,500 |
| Minimum Direct Deposit to Avoid Monthly Fee | $500 |
What fees does BB&T Bright checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $12 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $3 |
| Foreign Transaction Fee (Debit Card) | 3% |
| NSF Fee | $36 |
| Overdraft Item Fee | $36 |
| Overdraft Protection Fee (per transfer) | $12.50 |
| 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 |
| Paper Statement Fee | $5 |
| Online Bill Pay Fee | $0 |
| Check Copy | $5 |
| Check Image Service | $4 |
| Check Cashing Fee | $0 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $0 |
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.
How do people rate the customer service and user experience of BB&T Bright checking?
Overall, BB&T Bright checking is strongly not recommended based on community reviews that rate customer service and user experience.
Message From BB&T
Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 USA - (336) 733-3300
- Visit Site
- Email Support
Other Services by BB&T
Availability
- Alabama
- Washington, DC
- Florida
- Georgia
- Indiana
- Kentucky
- Maryland
- North Carolina
- New Jersey
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- West Virginia
Feature Breakdown
| Minimum Opening Deposit | Starting at $50 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,500 |
| Minimum Direct Deposit to Avoid Monthly Fee | $500 |
BB&T Bright Banking Community Reviews
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