Best if you
- Are concerned about balance or direct deposit requirements
- Don't have other deposit or loan accounts with BB&T
- Predictable fee makes budgeting simple
- Low opening deposit
- No minimum balance requirement
- No direct deposit requirement
- $50 minimum opening deposit
See all pricing and fees.
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
Enjoy these additional benefits
- Option to personalize your debit card
- Securely deposit checks from your smartphone or tablet with mobile check deposit Disclosure 2
- Free access to more than 2,400 BB&T ATMs
- Unlimited automated account information through BB&T Phone24 at 800-BANK-BBT (800-226-5228)
- U by BB&T money management tools, including a customizable dashboard, cash back with BB&T Deals and personal payments
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
- Get 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?
U by BB&T: Budgeting (Video)
Learn more about the budgeting tool from U by BB&T.
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.
Ready to get started?
Not convinced that a Fundamentals Checking account is right for you?
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.
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.
Account eligibility requirements apply. Mobile check deposit is available for iPhone, iPod with camera, iPad version 2 and higher, iPad mini and Android. A camera is required.
This product is not available in Pennsylvania.
Fees from your mobile or data carrier may apply.
Subject to credit approval.
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.