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BB&T Bright Banking
in Checking Accounts from BB&T · Member FDIC
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BB&T Bright Banking

Unaffiliated
in Checking Accounts from BB&T · Member FDIC
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
0 users are unsure
2 users don't recommend
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Highlights
Community Rating

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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

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, 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.

BB&T Bright Banking Minimums
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.

BB&T Bright Banking Fees
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.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From BB&T

No matter how you like to bank, we make managing your money easy. With BB&T Bright Banking® you'll enjoy a simple personal checking account that gives you multiple ways to avoid the monthly maintenance fee. BB&T Bright Our most popular checking account—perfect for on-the-go banking.

Availability

  Available in 15 states and Washington, D.C.
  • 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
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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0%

BB&T Bright Banking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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