Fundamentals Checking

Enjoy simple checking that's easy on your budget

Select your state to see details for your location.

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


Enjoy these additional benefits

  • Option to personalize your debit card
  • Securely deposit checks from your smartphone or tablet with mobile check deposit
  • 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?

In person

Locate a branch.

Still exploring?

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.

Not convinced that a Fundamentals Checking account is right for you?

Select your state

Select your state for location-specific product information.

See our Bank Services Agreement (PDF) for more information.

Learn more about your account, including fees and ways you can avoid them.

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    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.

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