Please select your state

Elite Gold

Our most exclusive checking account offers premium banking benefits

Open an account online to have BB&T Elite Gold checking - important

Best if you

  • Would like an interest-bearing account1
  • 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 fee2


  • No-fee money orders, official checks and other banking services
  • Bonus rates on CDs and IRAs3
  • Two overdraft protection transfer fees waived per month4
  • No BB&T fees for four non-BB&T ATM transactions per statement cycle5

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

Enjoy these additional benefits

  • One no-penalty early CD withdrawal for medical emergencies3
  • 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.

By phone

Got questions?



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

Learn how much to invest each month to reach $1 million.

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

Compare checking account options

Change your state

See our Bank Services Agreement (PDF) for additional disclosures.

Learn more about your account At A Glance.

Learn about fees and ways you can avoid them.


$0 - $2,4990.01%0.01%
$2,500 - $24,9990.01%0.01%
$25,000 - $99,999,999,9990.01%0.01%

*Annual percentage yield

2Service fees may apply. Please see our Personal Services Pricing Guide for details.

3A penalty may be imposed for early withdrawal from certificates of deposits (CDs).

4Automatic overdraft protection transfer fees may apply. Please 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 branch for more options.

5Four (4) no-BB&T-fee non-BB&T ATM transactions per statement cycle. ATM owners outside of the BB&T network may charge a usage fee.

6Includes checking, savings, Money Rate Savings, Investor's Deposit Accounts, Certificate of Deposit, Individual Retirement Account and/or investments through BB&T Investment Services, Inc., or BB&T Scott and Stringfellow.

7Loans, lines of credit and credit cards are subject to credit approval.

8First and second closed end personal loans secured by a residence only.

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.

Securities, investment products or annuities are provided by BB&T Scott & Stringfellow, a division of BB&T Securities, LLC, Member FINRA/SIPC, a wholly owned, nonbank subsidiary of BB&T Corporation; and BB&T Investment Services, Inc., a wholly owned registered broker/dealer subsidiary of Branch Banking and Trust Company, Member FINRA/SIPC.

Investments and insurance products and services are:

  • Not a deposit
  • Not FDIC-insured
  • Not guaranteed by the bank
  • Not insured by any state or federal government agency
  • May go down in value

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