| Community Rating | Strongly not recommended |
| Monthly Fee | $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 15 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 $5.
- $50 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- No ATM fees. BB&T Fundamentals Checking does not charge fees on 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 |
|---|---|
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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.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $50 |
What fees does BB&T Fundamentals Checking charge?
This account charges a monthly maintenance fee of $5.
| Description | |
|---|---|
| Monthly Fee | $5 |
| Paper Statement Fee | $3 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $3 |
| NSF Fee | $36 |
| Overdraft Protection Fee (per transfer) | $12.50 |
| Overdraft Item Fee | $36 |
| Early Account Closure | $0 |
| Returned Deposit Fee (Domestic) | $12 |
| Debit Card Replacement Fee | $5 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | $0 |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $34 |
| Check Image Service | N/A |
| Check Copy | $5 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Outgoing) | N/A |
| Wire Transfer Fee - International (Incoming) | N/A |
| Returned Deposit Fee (International) | $36 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does BB&T Fundamentals Checking offer?
This account includes the following features:
- 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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Contact
- Headquarters
-
110 S. Stratford Rd.
Winston Salem, NC 27104 - (336) 733-3300
- Visit Site
Other Services by BB&T
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
BB&T Fundamentals Checking Community Reviews
Would you recommend BB&T Fundamentals Checking to your friends?
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