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BB&T Fundamentals Checking

in Checking Accounts from BB&T · Member fdic

Unaffiliated

BB&T Fundamentals Checking

Unaffiliated

in Checking Accounts from BB&T · Member FDIC

SuperMoney Net Recommendation Score -71

Strongly not recommended

1 user recommends

0 users are unsure

6 users don't recommend

Browse Reviews: 1 Recommendations | 6 Complaints

Highlights
Community Rating	Strongly not recommended
Monthly Fee	$0 - $5
ATM Fee: Out-of-Network	$3
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0%
Number of Reviews	7

BB&T Fundamentals Checking Review

BB&T Fundamentals Checking is offered by BB&T, a bank founded in 1872 and based in Winston Salem, NC. BB&T Fundamentals Checking is available in 50 states (and Washington, DC).

Key Takeaways

0% APY. As with most checking accounts, BB&T Fundamentals Checking does not pay interest.
Charges a monthly fee. This account charges a monthly maintenance fee of up to $5.
No ATM fees. BB&T Fundamentals Checking does not charge fees on ATM transactions within its network but there is a fee of up to $3 for out-of-network ATM transactions.
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 Fundamentals Checking Pros & Cons

Pros	Cons
Available in all 50 states. Free debit card	No signup bonus. Does not earn interest Higher than average wire transfer fees. Monthly service charge. Charges a higher than average fee on out-of-network ATM transactions.

BB&T Fundamentals 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 Fundamentals Checking offer?

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

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

BB&T Fundamentals Checking requires a minimum initial deposit of $50 to open an account.

BB&T Fundamentals Checking Account Minimums
Description	Amount
Minimum Opening Deposit	$50

What fees does BB&T Fundamentals Checking charge?

This account charges a monthly maintenance fee of up to $5.

BB&T Fundamentals Checking Fees
Description
ATM Fee: In-Network	$0
Check Cashing Fee	$0
Check Copy	$5
Debit Card Replacement Fee	$5
Early Account Closure	$0
Foreign Transaction Fee (Debit Card)	3%
Monthly Fee	$0 - $5
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)	$36
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 Fundamentals Checking offer?

This account includes the following features:

Fraud monitoring - BB&T Fundamentals 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 Fundamentals 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.

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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.