Please select your state

Pricing and Fees At A Glance

Details of our fees and policies

An easy way to view and understand the important features of your account

Account-specific fees

Quickly understand fees and policies associated with your account.

Questions about fees

Understand overdraft and other fees—and how you can potentially avoid them.

Questions about fees

Learn about overdraft, ATM and other types of fees.

What are overdrafts and returned items?

An overdraft occurs when you spend more money than you have available in your account. Upon review, BB&T may choose to pay an item on your behalf. If BB&T pays this item for you, it is called an overdraft. If BB&T doesn't pay this item for you, it will be returned unpaid and called a returned item.

What is overdraft review?

To assess overdrafts on your account, BB&T has a process called overdraft review. Overdraft review is the methodology BB&T uses to determine whether your items and debit transactions should either be paid or rejected when you have insufficient funds in your account to cover the item or transaction.

You have the right to decide if you want to participate (opt-in) or not to participate (opt-out) in the overdraft review process. Your decision to opt-in or opt-out of overdraft review will be effective the next business day for all transactions initiated after the effective date. Participation in an overdraft review doesn't guarantee BB&T will always authorize and pay your transactions and items. BB&T still retains the discretion to decline payment of items or transactions that will overdraw your account.

How does BB&T decide whether to pay an overdraft item?

A variety of factors are considered in the overdraft review process, including your:

  • Account standing
  • Deposit frequency
  • Overdraft history

You may choose to opt-in or opt-out of the overdraft review process. This process is different for consumer and business accounts. Please see additional questions for clarification on each type of account.

How does overdraft review work for personal accounts?

BB&T separates transactions into two categories when applying overdraft review for consumer accounts:

  • One-time or everyday debit card transactions and ATM withdrawals
  • Checks, ACH, recurring debits and all other types of transfers and withdrawals

You have the right to decide if you want to participate (opt-in), or not to participate (opt-out) in the overdraft review process. Participation in overdraft review does not guarantee BB&T will always authorize and pay your transactions and items. BB&T retains the discretion to decline payment of items or transactions that will overdraw your account.

One-time debit card transactions and ATM withdrawals

One-time or everyday debit card transactions and ATM withdrawals are not automatically subject to the overdraft review process. They are considered opted-out. However, you may opt-in to overdraft review if you want the bank to consider paying these types of transactions. If you opt-in, a fee will apply if the transaction is paid (overdraft fee). The specific fees are disclosed in the Personal Services Pricing Guide. If you do not opt-in, BB&T will automatically decline or reject any transaction that would overdraw your account.

To opt-in or opt-out of overdraft review for one-time debit card transactions and ATM withdrawals, you may:

You may revoke your decision at any time by notifying BB&T through the same channels listed above. Your decision will be effective the next business day for all transactions initiated after the effective date. Clients who opt-in at a BB&T24 ATM are subject to a different time as disclosed at the ATM.

Checks, ACH and other withdrawals

Checks, ACH, recurring debit card transactions and all other types of transfers and withdrawals are automatically subject to the overdraft review process and are considered opted-in. You may choose to opt-out of the overdraft review process for checks, ACHs and recurring debit card transactions. If you opt-out, all of your checks, ACH, recurring debits and all other transfers and withdrawals will be returned unpaid or declined. Regardless of whether you are opted-in or out, fees will apply when items are presented through overdraft review. An overdraft fee or returned item fee may be assessed to your account.

To opt-out or opt-in of overdraft review for checks, ACH and recurring debit card transactions, you may:

You may revoke your decision at any time by notifying BB&T through the same channels listed above. Your decision will be effective the next business day for all transactions initiated after the effective date.

How does overdraft review work for business accounts?

You can choose if you want to participate (opt-in), or not to participate (opt-out), in the overdraft review process. Participation in overdraft review doesn't guarantee that BB&T will always authorize and pay your transactions and items. BB&T retains the discretion to decline payment of items or transactions that will overdraw your account.

At account opening, your business account is automatically subject to overdraft review and is considered opted-in. If you wish to opt-out of overdraft review, you must notify BB&T. If you opt-out, all of your transactions and withdrawals will be returned unpaid or declined when sufficient funds are not available. Regardless of whether you are opted-in or out, fees will apply when items are presented through overdraft review. An overdraft fee or returned item fee may be assessed to your account.

To opt-out or opt-in to overdraft review, you may stop by your local BB&T branch.

You may revoke this decision at any time. Your decision to opt-out or opt-in to overdraft review will be effective the next business day for all transactions initiated after the effective date.

Who is responsible when my account is overdrawn?

It is your responsibility to know when your account is overdrawn and to immediately repay BB&T or deposit sufficient funds into your account to cover the overdraft and any related fees. As a courtesy to you, BB&T will notify you by mail when an overdraft occurs. We recommend also signing up for online banking to monitor your account balance 24/7. Through online banking you can also enroll in alerts, and get notified by email or text message about overdrafts and other important account activity.

Unresolved overdrafts may result in additional overdraft activity and related fees as permitted by state law.

What's an ATM fee?

An ATM fee is charged when you make transactions at an ATM that BB&T does not own. You may also be charged a fee by the financial institution that owns the ATM you are using. To avoid ATM fees, just use any of the over 3,100 convenient BB&T24 ATMs free of charge.

Is there a fee for calling BB&T Phone24?

Using the BB&T automated telephone banking service is free and available 24 hours a day, 7 days a week. Use the automated service to make funds transfers and access information on your checking, savings, credit lines, credit cards and CDs. Just call 800-BANK-BBT (800-226-5228).

If you wish to speak with a client service associate, you may be charged a fee. To speak with an associate, simply press 0 after selecting one of your BB&T accounts. Refer to the tables below for fee information.

Person-to-Person InquiriesCharges
Elite Gold clients No charge
All other clients $2 per call in excess of two per statement cycle
Funds TransfersCharges
Through BB&T Phone24 automated service No charge
Through BB&T Phone24 person-to-person $2 each
In-branch transfers $2 each
What are monthly maintenance fees?

Maintenance fees are charged to cover the cost associated with providing you account features and services. BB&T offers many deposit account options that can help you reduce maintenance fees.

What are transaction activity fees? (for business clients only)

Transaction activity refers to your monthly combined items such as checks paid, deposits, ACH debits and credits, online bill payments and debit card transactions.1 Transaction activity fees may apply if you exceed the maximum allowable combined items for the month. BB&T offers many business checking accounts with a wide range of activity levels designed to fit your business needs.

What is an uncollected funds charge? (for business clients only)

When determining the balance of collected funds in your account, BB&T will determine and assign a collection period to each item deposited in the account. Certain business deposit accounts (generally those used by large businesses) may incur a monthly charge for the use of uncollected funds.

What are employee check cashing fees? (for business clients only)

As a business client of BB&T, BB&T allows your employees to use our branches to cash their payroll check. If your employee is not a BB&T deposit client, they will be charged a check cashing fee for checks of $50 or greater. You can help your employees avoid this fee by taking advantage of our BB&T@Work program.

Avoiding fees

See what options are available to potentially avoid fees and how to monitor your account with U by BB&T® online banking or the U mobile app.

What is overdraft protection?

Overdraft protection is a tool to help you potentially avoid overdraft and returned item fees by:

  • Providing a source of funds that can be linked to your checking account and transferred between accounts manually or automatically (automatic transfers are subject to an overdraft protection transfer fee).
  • Allowing you to initiate personal transfers of any amount up to your available overdraft protection account balance or credit limit when your checking account balance gets low.
What overdraft protection options are available?

You can potentially avoid overdraft charges by simply linking your account to any of the following:

Personal account options:

Business account options:

Each time funds are automatically transferred from your overdraft protection account to your checking account, an automatic overdraft protection transfer fee will apply. Please refer to the Personal Services Pricing Guide or Business Services Pricing Guide for the specific fee amount. To avoid the transfer fee, transfer funds from your overdraft protection account to your checking account before an overdraft occurs.

What does BB&T offer to help me monitor my accounts more closely?

We provide a number of convenient ways to help you monitor your accounts including:

Mobile banking

  • Monitor your account balances
  • Transfer funds between accounts
  • View your transaction history

Online banking

  • Access your accounts, make transfers and pay bills 24/7

Alerts

  • Get text message or email account balance and transaction notifications, including low balance alerts
  • Choose the type and frequency of notifications that you receive

You can also call BB&T Phone24 at 800-BBT-BANK (800-226-5228).

Understanding deposits and balances

Know when funds are available in your account after deposits.

After I make a deposit, when are the funds available?

Generally, funds are made available to you based on the type of deposit made and how you make the deposit. When depositing at a branch, the following availability schedules apply:

  • Checks and electronic items – Available to you during nightly processing on the business day BB&T receives the deposit
  • Cash and wire transfers – Available to you immediately
  • ACH items – Available the effective date of the deposit

In general, for personal and small business accounts, the first $100 of your deposit will be made available immediately and the remainder according to the schedule listed above.

After I make an ATM deposit, when are the funds available?

Special rules apply for the availability of deposits received at ATMs. At envelope-free ATMs, all cash and the first $100 of your total check deposits received before 6 pm ET will be available immediately. For deposits received at ATMs requiring an envelope, the first $100 of your total deposits received on a business day will be available immediately. You should consult your transaction receipt for the exact posting date of any ATM deposit.

After I open a mobile check deposit, when are the funds available?

Check deposits made using mobile check deposit are subject to verification and will generally be available for withdrawal 2 to 3 business days from the date of your deposit. Some checks may be held longer for further processing. Mobile check deposits received on weekends, federal holidays and Monday through Friday after 8 pm ET are processed on the following business day.

I opened a new account online. When are the funds available?

When you open an account online, the funds' availability depends on the method you used for your opening deposit:

  • Electronic funds transfer from a BB&T account – Available to you immediately
  • Electronic funds transfer from another bank – Available to you within 5 business days
  • Debit card – Available to you within 2 business days
What is the business day cut-off time?

BB&T offers full-day banking and any deposit you make during operating hours on a business day will be considered deposited on that day. Any deposit made on a non-business day, such as Saturday, Sunday or a federal holiday, will be considered made on the next business day.

Are my funds always available according to this schedule?

In some cases, the funds you deposit by check may be delayed for up to 2 business days after the day of your deposit. For these cases, you will be given a total of $200 per deposit being held during nightly processing on the business day of your deposit. In other cases, a longer hold may be placed on your deposit. When a longer hold is placed, no funds will be available from your deposit until the hold is released. You will be notified if your availability is delayed and when the funds will be available.

What is available balance?

Available balance is the amount of available money you have in your account for making payments and withdrawals. This balance includes adjustments for deposits or electronic transactions (such as debit card purchases) sent for authorization, but have not yet posted to your account. It does not include any checks written by you, online bill payment checks or other debits that have not been presented to BB&T for payment.

What is posted balance?

Posted balance is the balance after all transactions have been posted to your account at the end of each business day.

What are pending transactions?

Pending transactions are typically electronic or debit card transactions you have made but have not yet posted to your account. Deducting these transactions from, or adding any deposits or credits to your posted balance, gives you your available balance. You should be aware funds being held for electronic transactions previously sent for authorization are held for 3 business days. If the transaction is not submitted within those 3 business days, BB&T will release the amount being held.

Change your state

1Signature (non-PIN) business debit card purchases (debits) are not included in the combined item count and do not incur a per-debit activity fee, thus allowing you additional banking transactions without the transaction activity fees.

2Loans, lines of credit and credit cards are subject to credit approval.

3Six preauthorized, automatic or telephonic (including online banking and BB&T Phone24) transfers or withdrawals per statement cycle. A $15 fee per transaction is charged for excessive activity.

4Regular Savings and Money Rate Savings are not available online. Visit a BB&T financial center for more information or to open this type of account.

5Business credit cards are subject to business type and credit approval.

Fees from your mobile or data carrier may apply. A monthly service fee applies if you choose to access your online banking financial data through QuickBooks® or Quicken® Direct Connect.

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