Last Updated: 01/21/2026
SuperMoney User Recommendation Score -75
Strongly not recommended8 total votes
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Highlights
Community Rating
Strongly not recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $5(Verified 01/21/2026)
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Number of Reviews
BB&T Fundamentals Checking Review
The 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 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 $3 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in BB&T mobile or online banking.
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 deposits are insured 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does BB&T Fundamentals checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $5.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does BB&T Fundamentals checking charge overdraft fees?
Yes, BB&T Fundamentals checking charges a $36 fee for every overdraft.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 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 Fundamentals checking allows you to manage your money online or with a mobile app. This includes depositing checks1 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 Fundamentals checking?
The customer support email for BB&T Fundamentals checking is ClientResolution@Truist.com.
How do people rate the customer service and user experience of BB&T Fundamentals checking?
Overall, BB&T Fundamentals checking is strongly not recommended based on community reviews that rate customer service and user experience.
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.
Message from BB&T Fundamentals checking
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Checking Accounts from BB&T
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%
Disclaimer popup with additional information
Monthly Service Fee
$30
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$10
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -75, or 1.5 on a 5-point rating scale.
-75
-1000+100
No one recommends
Everyone recommends
BB&T Fundamentals Checking Community Reviews
Would you recommend BB&T Fundamentals Checking to your friends?
AH
Ashley H.
May 8, 2022
May or may not recommend
When I had a checking account with BB&T, I also had progressive car insurance automatic payments withdrawn from my account. I had asked that it be taken out four days after the bill was due, because my paydate didn't align with the due date. They said it was fine, however the original date came, and the money got taken out anyway and gave me a 35 fee, and then then ...Show More
Jessica T.
Oct 11, 2020
May or may not recommend
I tried BBT checking after leaving my last bank. I was NOT happy with this bank at all. First off, I think it's ridiculous to charge a monthly fee, and only to some people at that. My dad didn't have to pay anything, I had to pay $5 a month. They never pay attention to the dates I write on checks because when I've had to post date checks, ...Show More
PK
Pamela K.
Apr 23, 2019
May or may not recommend
This is the WORST company ever!! We have our mortgage with them and although they pay the yearly premium on our flood insurance, they just sent a threatening letter that it's expired and they are going to buy more expensive flood insurance for us. They are IDIOTS!!! And just try talking to a human. STAY AWAY!!
Antone P.
Oct 13, 2018
May or may not recommend
ZERO stars. ZERO customer service. I’m a BB&T Elite account holder, and the service is still non-existent or repulsive. I tried to deposit a check today via the BB&T mobile app. The BB&T mobile app is a black hole. No record in the app of the deposit, no pending status, nothing. I contacted “customer service” to just verify the deposit and when it would post. I have been on hold ...Show More
MA
Mary A.
May 8, 2018
May or may not recommend
I was forced to take a fixed rate on my HELOC in December and my account has not been correct ever since. Every month I make a trip to my branch bank to have my account corrected which they do on site and lo and behold the next month my statement is incorrect. There is no communication between the main office and the branches. Worst bank I ...Show More
Jason G.
Dec 31, 2015
May or may not recommend
For being customer service orientated. You have never given me reason to leave. Today - many places don't seem to care about your business . Your staff is great. Kind and helpful!
U
Anonymous
Nov 13, 2015
May or may not recommend
I have been banking with BB&T for a long time, over 20 years and I was satisfied with the services they offered until today. I was not able to do online banking because my user ID, password, and security question was not recognized for some reason. I called BB&T (888) number for online banking, but was unable to get a response (no one answered the phone). I ...Show More
U
Anonymous
Jun 18, 2015
May or may not recommend
I frequent the subject branch a minimum of five times a week and always find the personnel very helpful and very pleasant. Always the best service
Showing 8 of 8 reviews
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