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Last Updated: 01/21/2026

BB&T Elite Gold

in Checking Accounts from BB&T

Last Updated: 01/21/2026

Rating not yet determined1 total votes

1 users recommend

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.01%(Verified 06/21/2024)

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Monthly Service Fee

$30(Verified 01/21/2026)

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BB&T Elite Gold Review

The BB&T Elite Gold is offered by BB&T, a bank founded in 1872 and based in Winston Salem, NC. BB&T Elite Gold is available in 15 states and Washington, DC.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
Charges a monthly fee. This account charges a monthly fee of $30.
$100 minimum opening deposit. This is a typical minimum initial deposit.
Up to $12 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Bill pay. Pay your bills to practically anyone in the United States when you enroll in BB&T mobile or online banking.

BB&T Elite Gold Pros & Cons

Pros

Cons

Interest-yielding account.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen
Access to a nationwide network of ATMs.

No signup bonus.
Only available in 15 states, and Washington, DC.
Monthly service charge .
Charges a fee on out-of-network ATM transactions.

BB&T Elite Gold FAQ

Are checking accounts from BB&T federally insured?

Yes, your deposits are insured 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 Elite Gold offer?

BB&T Elite Gold Rates & Terms

Description

APY (Annual Percentage Yield)

0.01%

BB&T Elite Gold offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $0.01.

What are the account minimums for BB&T Elite Gold?

BB&T Elite Gold requires a minimum initial deposit of $100.

BB&T Elite Gold Minimums

Description

Minimum Balance to Earn APY

$0.01

Minimum Opening Deposit

Starting at $100

Minimum Average Combined Balance to Avoid Monthly Maintenance Fee

Starting at $25,000

What fees does BB&T Elite Gold charge?

This account charges a monthly maintenance fee each statement cycle of $30.

BB&T Elite Gold Fees

Description

Monthly Service Fee

$30

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $3

NSF Fee

$36

Overdraft Item Fee

Starting at $36

Early Account Closure

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $12

Card Replacement Fee (Standard Delivery)

Starting at $5

Check Cashing Fee

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $35

Check Image Service

Starting at $4

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 3%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $30

Returned Deposit Fee (International)

Starting at $12

Wire Transfer Fee - US Domestic (Incoming)

Starting at $15

ATM Reimbursement Monthly Limit

Starting at $12

Does BB&T Elite Gold charge overdraft fees?

Yes, BB&T Elite Gold charges a $36 fee for every overdraft.

What features and perks does BB&T Elite Gold offer?

This account includes the following features:

ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $12.
Fraud monitoring - BB&T Elite Gold 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 Elite Gold allows you to manage your money online or with a mobile app. This includes depositing checks¹ 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 Elite Gold?

The customer support email for BB&T Elite Gold is ClientResolution@Truist.com.

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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 Elite Gold

Elite Gold Our most exclusive checking account offers premium banking benefits. Get competitive rates on an interest-bearing checking account with premium banking benefits.

Contact

Headquarters

110 S. Stratford Rd.

Winston Salem, NC 27104

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

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BB&T Elite Gold Community Reviews

Would you recommend BB&T Elite Gold to your friends?

Syed A.

Dec 9, 2023

May or may not recommend

I am delighted to share my positive experience with BB&T Elite Gold, and I must say, it has been nothing short of outstanding. From the moment I opened my account to my ongoing interactions, BB&T has consistently exceeded my expectations, proving itself to be a top-tier banking choice.

Showing 1 of 1 reviews