Elite Gold

Our most exclusive checking account offers premium banking benefits

Select your state to see details for your location.

Best if you

  • Would like an interest-bearing account
  • Have a mortgage or other high balance account with BB&T
  • Like free or discounted checks
  • Want a second featured checking account with no maintenance fee

Benefits

  • No-fee money orders, official checks and other banking services
  • Bonus rates on CDs and IRAs
  • Two overdraft protection transfer fees waived per month
  • No BB&T fees for four non-BB&T ATM transactions per statement cycle

Pricing

Our most powerful banking tools are in your hands

Make deposits, send and receive money, and pay bills at your convenience.

Mobile check deposit

Deposit checks in seconds with U by BB&T—and get access to your funds the next business day.

Zelle®

Not a fan of checks and cash? Send money to a trusted friend or family member with just a few taps.

eBills

Receive, pay, and file your bills in one place. It's easy, secure—and free to enroll.

Not convinced yet?

Elite Gold includes a number of extras plus convenient access options.

Enjoy these additional benefits

  • One no-penalty early CD withdrawal for medical emergencies
  • No-fee 3"x5" safe deposit box, or a $40 discount on other sizes (subject to availability)
  • Unlimited person-to-person calls through BB&T Phone24 at 800-BANK-BBT (800-226-5228)

Keep tabs on your account

  • Use U by BB&T®, our customizable online and mobile banking experience, to monitor your BB&T and non-BB&T accounts, pay bills, set and track spending, manage your receipts and more
  • Receive important account alerts by email or text
  • Choose online statements for convenient access to your account statements from your computer or mobile device

Ready to get started?

In person

Locate a branch.

Still exploring?

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.

Not convinced that an Elite Gold account is right for you?

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

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

  • 2

    A penalty may be imposed for early withdrawal from certificates of deposits (CDs).

  • 3

    Automatic overdraft protection transfer fees may apply. See our Personal Services Pricing Guide for more information. Other account types may also be used for overdraft protection. Please see your local BB&T financial center for more options.

  • 4

    Four (4) no-BB&T-fee non-BB&T ATM transactions per statement cycle.

  • 5

    Availability of Funds: Your deposit is generally available the next business day. We will notify you if we need to hold your deposit for further verification. Mobile check deposits received on weekends, bank holidays and Monday through Friday after 8 pm ET are processed the following business day.

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.

Subject to credit approval.

Investment and Insurance Products:

• Are not FDIC or any other Government Agency Insured • Are Not Bank Guaranteed • May Lose Value

Truist, BB&T®, BB&T Securities®, BB&T Sterling Advisors, Sterling Capital®, BB&T Investments, BB&T Scott & Stringfellow®, SunTrust®, SunTrust PortfolioView, SunTrust Robinson Humphrey®, 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 SunTrust Investment Services, Inc. and BB&T Securities, LLC, 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 SunTrust Advisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, Precept Advisory Group, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers.  BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow are divisions of BB&T Securities, LLC.   Mutual fund products are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.

The information contained herein is for informational purposes only and does not represent an official statement of your SunTrust Investment Services, Inc. account. Please refer to your monthly or quarterly statements for a complete record of your transactions, holdings, and balances.

"SunTrust 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; SunTrust 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; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Private Wealth Management, International Wealth Management, GenSpring, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank now Truist Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including SunTrust Robinson Humphrey, 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.

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