Branch Banking and Trust Company Checking Account

in Checking Accounts

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Branch Banking and Trust Company Checking Account


in Checking Accounts

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BB&T is one of the largest financial services holding companies in the U.S. with approximately $210 billion in assets and market capitalization of approximately $31.3 billion, as of August 17, 2015. Branch Banking & Trust Company was founded in 1872 by Alpheus Branch and Thomas Hadley in 1872 in North Carolina as Branch and Hadley.

The bank is now based in Winston-Salem, N.C., but it operates 2,149 financial centers in 15 states and Washington, D.C. It offers a full range of consumer and commercial banking, securities brokerage, asset management, mortgage and insurance products and services. Branch Banking & Trust Company has a five-star rating with Bauer Financial and an A+ rating with BBB.

What Are BB&T’s Checking and Savings Accounts Like?

Checking Accounts
BB&T has five main checking accounts: BB&T Brigh Banking, BB&T Fundamental Checking, Elite Gold, BB&T Student Checking and Senior Checking. The only checking account that bears interest is Elite Gold and that’s only a 0.01% APY. Here are the main features of each account.

BB&T Bright Banking has a $50 minimum opening deposit and a monthly fee of $12. Avoid the fee with a direct deposit of $500 per month or a $1,500 average checking balance. The account allows for online banking and bill payment and has a mobile app with check deposit.

BB&T Fundamentals Checking is a basic checking account with a low monthly fee of just $5. There is no minimum balance, but you cannot waive the monthly maintenance fee.

BB&T Elite Gold is the only account that pays interest, but it’s only a 0.01% APY. It also gives customers access to premium benefits and services, such as bonus rates on CDs and IRAs, and a safe deposit box discount. The minimum deposit is $100 and the monthly fee is $10. You can avoid the monthly fee by having $500 in direct deposits, a $1,000 average checking balance, or a $6,000 combined balance with checking and savings accounts.

BB&T Student Checking is only for students through 23. It has no minimum balance requirement and a $3 monthly fee that can be avoided if you choose online-only statements. It also includes two (four in some states) free non-BB&T ATM transactions per month.

BB&T Senior Checking offers free personalized checks and online banking with bill payment for just $10 a month. The monthly fee is waived, if you maintain a balance of $1,000, direct deposit of $500, or a combined balance of checking and savings of $6,000.

Savings Account:
BB&T has three savings accounts: BB&T eSavings, Investor’s Deposit Account and CollegeWealth 529 Savings.

The BB&T eSavings account has a 0.05% APY, no monthly maintenance fees and unlimited withdrawals and transfers at BB&T financial centers.

The Investor’s Deposit Account is a money market account that has a $10,000 minimum balance requirement, check writing ability and unlimited withdrawals and transfers at BB&T financial centers. The interest rate is 0.05%.

CollegeWealth 529 Savings is a tax-efficient FDIC insured college savings account with a 0.50% APY and no monthly maintenance fee. In some states the savings are tax deductible and withdrawals are tax-free when used for education expenses.

What Are The Advantages And Disadvantages of BB&T’s Checking And Savings Accounts?

We love this about BB&T:

  • Flexible features and services 
  • Wide selection of checking and savings accounts
  • Low mínimum deposit
  • Several ways to avoid monthly service fees
  • High-interest rates for college savings account

We don’t like this about BB&T:

  • Low-interest rates
  • Fees for regular banking procedures
  • Same low-interest rates for high balances
  • Only available in 11 states
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Available in 15 States and Washington, DC
  • Alabama
  • Washington, DC
  • Florida
  • Georgia
  • Indiana
  • Kentucky
  • Maryland
  • New Jersey
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • West Virginia

Feature Breakdown

Check Cashing Fee
Online Bill Pay
In-Network ATM Fee
Overdraft Item Fee
Returned Deposit Fee
Lost Debit Card Fee
Stop Payment Fee
Check Copy
Foreign Transaction Fee (Debit Card)
Bank Transfer (National)
Bank Transfer (International)
Overdraft Protection Fee (per transfer)
International ATM Surcharge
Monthly Fee
Paper Statement Fee
Out-of-Network ATM Fee
Bauer Financial A+/A Rating
Account Features
  • Bauer Financial A+/A Rating
  • CDs
  • Checking
  • Debit Card
  • FDIC Member
  • Free Bill Pay
  • Free Debit Card
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
  • Savings
  • Visa/Mastercard
Starting at
Savings Interest Rate
Starting at
Checking Interest Rate
Starting at
CD Accounts


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