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The Basics
Debit Cards & Using ATMs
This account includes 'VISA Extras' to earn points towards items in the VISA Extras Rewards Catalog. There is no annual fee for this card.
There is a $2.50 fee each time you use a non-affiliated ATM.
There is a $2.50 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0;
- Priority Online Account notifications (i.e., change of password).
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0;
- Priority Online Account notifications (i.e., change of password).
You can download 90 days of transaction history in the following formats:
- Quicken 2007 and above;
- QuickBooks 2007 and above;
- Microsoft Excel.
- Quicken 2007 and above;
- QuickBooks 2007 and above;
- Microsoft Excel.
Online Billpay
Free
This institution supports:
- A text messaging service to view account balances, view recent activity, transfer funds;
- A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs.
- A text messaging service to view account balances, view recent activity, transfer funds;
- A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken, QuickBooks and MS Money. There is a fee of $5.95 per month for this feature.
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
There is a $3.00 monthly fee to receive images of cancelled checks with monthly statements.
Electronic Statements
Yes
Images of canceled checks are included in monthly statements.Images of cancelled checks can be viewed online for 90 days.
Overdrawing the Account
The Insufficient Funds Fee is $35.00 per overdraft.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $10.00. The transfer fee is charged for every $100.00 of negative balance;
- Funds are transferred in fixed increments of $100.00.
- Transfer fee of $10.00. The transfer fee is charged for every $100.00 of negative balance;
- Funds are transferred in fixed increments of $100.00.
From a linked Credit Card Account:
- Transfer fee of $10.00. The transfer fee is charged for every $100.00 of negative balance;
- Funds are transferred in fixed increments of $100.00.
- Transfer fee of $10.00. The transfer fee is charged for every $100.00 of negative balance;
- Funds are transferred in fixed increments of $100.00.
From a linked Overdraft Line of Credit:
- Transfer fee of $10.00. The transfer fee is charged for every $100.00 of negative balance;
- Funds are transferred in fixed increments of $100.00.
- Transfer fee of $10.00. The transfer fee is charged for every $100.00 of negative balance;
- Funds are transferred in fixed increments of $100.00.
Savings and Money Market Accounts
'BB&T eSavings' requires $0.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.35 % at minimum balance to earn interest;
- 0.35% at minimum balance to avoid fees;
- 0.35% at $25,000.00
- 0.35 % at minimum balance to earn interest;
- 0.35% at minimum balance to avoid fees;
- 0.35% at $25,000.00
'Investor's Deposit Account' requires $10,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05 % at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.20% at $25,000.00
- 0.05 % at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.20% at $25,000.00
The account has a monthly service fee of $15.00. This fee can be waived if you maintain a minimum balance of $10,000.00.
How does BB&T Compare?
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How We Get Our Information
We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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