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  BB&T Senior Checking

BB&T Senior Checking

in Checking Accounts from BB&T · Member fdic

Unaffiliated

BB&T Senior Checking

Unaffiliated

in Checking Accounts from BB&T · Member FDIC

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Highlights
Monthly Fee $10
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee $1,000
APY (Annual Percentage Yield) 0%

BB&T Senior Checking Review

BB&T Senior Checking is offered by BB&T, a bank founded in 1872 and based in Winston Salem, NC. BB&T Senior Checking is available in 15 states (and Washington, DC).

Key Takeaways
  • 0% APY. As with most checking accounts, BB&T Senior Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly maintenance fee of $10, but the fee is waived if you keep a minimum balance of $1,000 or have a monthly direct deposit of $500.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Free 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 Senior Checking Pros & Cons
Pros Cons
  • 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 Senior Checking 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 Senior Checking offer?

BB&T Senior Checking is not an interest-bearing account.

What are the account minimums for BB&T Senior Checking?

BB&T Senior Checking requires a minimum initial deposit of $100 to open an account.

BB&T Senior Checking Account Minimums
Description Amount
Minimum Opening Deposit $100
Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Balance to Avoid Monthly Fee $1,000

What fees does BB&T Senior Checking charge?

This account charges a monthly maintenance fee of $10.

BB&T Senior Checking Fees
Description
ATM Fee: In-Network $0
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 $10
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
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

What features and perks does BB&T Senior Checking offer?

This account includes the following features:

  • Fraud monitoring - BB&T Senior Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - BB&T Senior Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee $1,000
ATM Fee: In-Network $0
Check Cashing Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Check Copy $5
Check Image Service $4
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $10
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
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
  • Mobile Check Deposit

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