Elite Gold

Elite Gold banking offers a suite of premium perks and benefits:

  • Easily waive maintenance fees when you meet a qualifier
  • Competitive checking interest rates
  • Online, mobile1 and debit card services
  • Special offers on credit cards2, CDs3, IRAs and more


Elite Gold provides you with an interest-bearing4 checking account and premium banking benefits:

  • BB&T Visa® debit card
  • Two overdraft protection transfer fees per month are waived5
  • A second account—BB&T Bright Banking account with maintenance fee waived
  • No-fee incoming wire transfers
  • Unlimited no-fee money orders and official checks
  • Unlimited person-to-person calls and automated account inquiries through Phone24

Your Elite Gold account information is always available. It fits your schedule with:

Checks and Accessories

  • Free first order of checks, any design
  • Free exclusive design wallet, duplicate or top-stub checks, or a $6 credit towards another design on check reorders


Account Extras

  • BB&T Spectrum Rewards Credit Card2
  • Bonus rates on select CDs and IRAs3
  • One no-penalty early CD withdrawal for medical emergencies3
  • No-fee 3" x 5" or smaller safe deposit box or a $40 discount on other sizes (subject to availability)

Lending Extras

  • Elite BB&T auto loan discount (through financial centers only)2
  • Elite Gold clients applying for a BB&T Home Equity Line of Credit receive no origination or appraisal fees6

Financial Services Extras

  • Financial review
  • 5% discount on stock trades through BB&T Investment Services


$30 monthly maintenance fee. Avoid the monthly maintenance fee by:

  • $25,000 combined deposit balance in checking, savings, Money Rate Savings, Investor's Deposit Account, Certificate of Deposit, Individual Retirement Account and/or investments through BB&T Investment Services, Inc. or BB&T Scott and Stringfellow OR
  • $25,000 combined outstanding balance in personal loans2,7 and home equity lines of credit2 OR
  • Personal BB&T Mortgages2,8, $150,000 + aggregate original loan amount

At A Glance offers a quick overview of account features.

Learn more about our pricing and fees in our Pricing Guide.

Read our Bank Services Agreement.

Overdraft Protection

Avoid an unexpected overdraft fee. Simply link your BB&T checking account to any of the following:5

Open an Account


Ready to begin? Get started now.

Get Assistance

By Phone

Call us at 800-BANK-BBT (800-226-5228).