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.
Simplify budgeting with an affordable checking account with a fixed monthly fee Disclosure 1
- $5 monthly maintenance fee
- No minimum balance requirement
- No direct deposit requirement
With multiple ways to avoid the monthly fee, a BB&T Bright Banking® checking account can be right for anyone
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
BB&T Student Checking is designed for students age 23 years and younger Disclosure 2
If you're at least 55 years of age, Senior Checking may be right for you
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
Get competitive rates on an interest-bearing checking account with premium banking benefits
Digital banking built around you
U by BB&T® is ranked #1 in Customer Satisfaction with Mobile Banking Apps among National Banks by J.D. Power. Disclosure 8
- 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
Additional checking account services
Make sure you're using all the great services that come with a BB&T checking account.
Whether you write one check per year or dozens every month, it's easy to order customized checks and accessories online. You can get:
- 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 an overdraft fee, so you know exactly what you're paying for.
Set your overdraft protection options in U by BB&T. Once logged in:
- Select Profile & Settings
- Select Customer Service
- 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
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
See our Bank Services Agreement (PDF)see our Bank Services Agreement for more information.
Learn more about your account, including fees and ways you can avoid them.
This product is not available in Pennsylvania.
Clients under 18 years of age must have an adult co-signer.
Service fees may apply. Please see our Personal Services Pricing Guide for details.
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.
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.
Loans, lines of credit and credit cards are subject to credit approval.
First and second closed end personal loans secured by a residence only.
J.D. Power 2020 U.S. Banking Mobile App Satisfaction Study; among banks with more than $150B in deposits. Visit jdpower.com/awards(opens in a new tab) for more details and media.truist.com for more information about BB&T, now Truist.
Investment and Insurance Products:
• Are not FDIC or any other government agency insured • Are not bank guaranteed • May lose value
Truist, BB&T®, Sterling Capital®, SunTrust®, SunTrust PortfolioView, Truist Securities®, SunTrust Premier Program®, AMC Pinnacle®, AMC Premier®, Access 3®, Signature Advantage Brokerage, Custom Choice Loan®, SunTrust SummitView®, and GFO Advisory Services® are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.
Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and/or insurance (including annuities) are offered by Truist Investment Services, Inc. (d/b/a SunTrust Investment Services, Inc.) and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRA, SIPC, and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc. (d/b/a SunTrust Advisory Services, Inc.), GFO Advisory Services, LLC, Sterling Capital Management, LLC, Precept Advisory Group, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc.
"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; Truist Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; Truist Advisory Services, Inc., an SEC registered investment adviser which provides Investment Advisory services.
Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.
Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by affiliates of Truist Financial Corporation.
Truist Securities is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including Truist Securities, Inc., member FINRA and SIPC.
Truist Bank, Member FDIC and an Equal Housing Lender.
New York City residents: Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.
Branch Banking and Trust Company is now Truist Bank. Learn more.
BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.
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.