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  BB&T Elite Gold
BB&T Elite Gold
in Checking Accounts from BB&T · Member FDIC
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BB&T Elite Gold

Unaffiliated
in Checking Accounts from BB&T · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01%
(Verified 07/19/2022)
Monthly Fee $30
Minimum Balance to Avoid Monthly Fee N/A

BB&T Elite Gold Review

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 APY. The maximum annual percentage yield for this account is only 0.01%.
  • Charges a monthly fee. This account charges a monthly service fee of $30.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • 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 through BB&T.

BB&T Elite Gold Pros & Cons

Pros Cons
  • Interest-yielding account.
  • 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.
  • Only available in 15 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.

BB&T Elite Gold 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 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 to open an account.

BB&T Elite Gold Minimums
Description
Minimum Opening Deposit Starting at $100
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Balance to Earn APY $0.01

What fees does BB&T Elite Gold charge?

This account charges a monthly service fee of $30.

BB&T Elite Gold Fees
Description
Monthly Fee $30
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
ATM Reimbursement Monthly Limit $12
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $9
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 Elite Gold charge overdraft fees?

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

BB&T Elite Gold offers overdraft protection at a cost of $9 per transaction.

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

This account includes the following features:

  • ATM rebates - This account will reimburse you for any 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 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 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 Our most exclusive checking account offers premium banking benefits. Get competitive rates on an interest-bearing checking account with premium banking benefits.

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 $100
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Balance to Earn APY $0.01
Monthly Fee $30
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
ATM Reimbursement Monthly Limit $12
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $9
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
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0.01%
(Verified 07/19/2022)

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