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  BB&T Student Checking Account

BB&T Student Checking Account

in Checking Accounts from BB&T · Member fdic

Unaffiliated

BB&T Student Checking Account

Unaffiliated

in Checking Accounts from BB&T · Member FDIC

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

BB&T Student Checking Account Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, BB&T Student Checking Account does not pay interest.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • 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 Student Checking Account Pros & Cons
Pros Cons
  • Deposits are insured by the NCUA (up to $250K).
  • 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.
  • Charges a higher than average fee on out-of-network ATM transactions.
BB&T Student Checking Account 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 Student Checking Account offer?

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

What are the account minimums for BB&T Student Checking Account?

BB&T Student Checking Account does not require a minimum initial deposit.

BB&T Student Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $0

What fees does BB&T Student Checking Account charge?

The good news is that this account does not have a monthly service charge.

BB&T Student Checking Account 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 $0
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $33
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 Student Checking Account offer?

This account includes the following features:

  • Fraud monitoring - BB&T Student Checking Account 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 Student Checking Account 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
  • North Carolina
  • New Jersey
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • West Virginia

Feature Breakdown

ATM Fee: In-Network $0
Check Cashing Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Check Copy $5
Check Image Service $4
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $12.50
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
ATM Fee: Out-of-Network $3
Bank 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
  • NCUA Member
  • Branch Access
  • FDIC Member

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