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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
Monthly Fee $30
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.01%

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, but there are ways to waive the fee.
  • $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 reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions (see terms and conditions for details).
  • 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.
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, 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 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 Account Minimums
Description Amount
Minimum Opening Deposit $100
APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Service Fee $25,000

What fees does BB&T Elite Gold charge?

This account charges a monthly service fee of $30.

BB&T Elite Gold Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $12
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 $30
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $9
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

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 reimbursement - 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.

Availability

  Available in 15 states and Washington, D.C.
  • Alabama
  • Washington, DC
  • Florida
  • Georgia
  • Indiana
  • Kentucky
  • Maryland
  • New Jersey
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • West Virginia

Feature Breakdown

APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Check Cashing Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $12
Check Copy $5
Check Image Service $4
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $30
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $9
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
Bank Account Features
  • FDIC Member
  • Branch Access
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • ATM Reimbursement
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.01%

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