Checking Accounts

Banking your way

No matter how you like to bank, we make managing your money easy.

Select your state to see details for your location.

Which checking account is best for you?

Choose from a variety of options from everyday checking to our most exclusive checking account with premium benefits.

BB&T Fundamentals

  • $5 monthly maintenance fee
  • No minimum balance requirement
  • No direct deposit requirement

Bright Banking

Avoid the $12 monthly fee with one of the following each statement cycle:

  • Direct deposits of $500 or more or
  • $1,500 average checking balance

Student Checking

Senior Checking

Avoid the $10 monthly fee with one of the following each statement cycle:

  • Direct deposits of $500 or more or
  • $1,000 average checking balance

Elite Gold

Avoid the $30 monthly fee with one of the following each statement cycle:

  • $25,000 combined personal deposit or investment balance or
  • BB&T personal mortgage with an original loan amount of at least $150,000 ,

Digital banking built around you

We've simplified banking to give you more control over how you manage your money and your cards.

  • Customize your dashboard – Set up your online banking profile and accounts any way you like
  • Link accounts – View all of your accounts at once, whether they're with BB&T or not
  • Move money with Zelle? – Send and receive money directly between almost anyone you know
  • Control your cards – Choose when, where and how your card is used

Enroll in online banking today

Additional checking account services

Make sure you're using all the great services that come with a BB&T checking account.

Order checks

Whether you write one check per year or dozens every month, it's easy to order customized checks and accessories online.(opens in a new tab) You can get:

  • Checks
  • Checkbook covers
  • Personal deposit slips
  • Address labels

Personalize your debit card

Customize your BB&T debit card with the design of your choice in either landscape or portrait orientation. Design options include:

  • Gallery images – Browse hundreds of professional photos in our image library
  • Personal images – Upload your favorite photo or image
  • Photo ID – Upload your profile photo for an added layer of card security


Choose your overdraft protection options

Our goal is to make it as easy as possible for you to understand how you have incurred a fee, so you know exactly what you're paying for.

Set your overdraft protection options in U by BB&T. Once logged in:

  1. Select Profile & Settings
  2. Select Customer Service
  3. Under Account Services, select Your Overdraft Options

Find your routing number

Your routing number is specific to the state in which you opened your account. Find your routing number.

Once you know where to look, it's easy to spot your routing number:

  • It's the nine-digit number in the lower left corner of your checks
  • It comes right before your account number

Still exploring?

How Often Should I Do a Financial Check-up?  (Article)

Know how often you should review your finances to make sure you're on track to reach your goals.

Understanding Your Overdraft Options  (Video)

Learn how to manage your accounts with overdraft protection and overdraft review.

What Can U Do for Me?  (Video)

See how U by BB&T can make managing your money easy and convenient.

Select your state

Select your state for location-specific product information.

Learn more about your account, including fees and ways you can avoid them.

  • 1

    This product is not available in Pennsylvania.

  • 2

    Clients under 18 years of age must have an adult co-signer.

  • 3

    Service fees may apply. Please see our Personal Services Pricing Guide for details.

  • 4

    Paper statement fees may apply. The fee is waived if you enroll in online banking and choose to receive online-only statements. Please see our Personal Services Pricing Guide for details.

  • 5

    Includes checking, savings, Money Rate Savings, Investor's Deposit Accounts, Certificate of Deposit, Individual Retirement Account and/or investments through BB&T Investments or BB&T Scott and Stringfellow.

  • 6

    Loans, lines of credit and credit cards are subject to credit approval.

  • 7

    First and second closed end personal loans secured by a residence only.

Investment solutions are provided by BB&T Investments and BB&T Scott & Stringfellow, divisions of BB&T Securities, LLC (opens in a new tab), member FINRA (opens in a new tab)/SIPC (opens in a new tab). BB&T Securities, LLC is a wholly-owned nonbank subsidiary of BB&T Corporation. Securities and insurance products or annuities sold, offered or recommended by BB&T Investments and BB&T Scott & Stringfellow are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may lose value.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.?

Checking accounts provide easy access to your money. Once you have a checking account, you can pay bills, transfer money, use an ATM and make purchases with a debit card. We offer a variety of checking accounts with options such as online and mobile banking to make it easy to bank when and where you want.