BB&T Fundamentals Checking Account

You can apply online, in person or by phone at 800-BANK-BBT (800-2265228). You can also follow the link available on this page to go to the BB&T website, and apply there directly.

To apply for a BB&T Fundamentals Checking account, you will need to provide the following information:

• Your Social Security Number,
• Your date of birth,
• Your address,
• A government-issued ID, 
• A opening deposit (your existing bank account or payment card details required).

You will know whether you've been approved for a BB&T Fundamentals Checking account as soon as you provide the necessary information.

You can use the BB&T Branch and ATM Locator available on BB&T's website.

You can view the full list of BB&T bank routing numbers per state directly on BB&T's website.

BB&T limits the maximum number of combined overdraft and returned item fees to 6 per day.

The availability of your funds depends on the type of deposit made, and how you make the deposit. Usually, the first $100 will be accessible immediately, while the rest following a schedule.

If at a branch, checks and electronic items become available the next business day. Cash and wire transfers are available immediately, while ACH items become available the effective date of the deposit.

If you want to make an ATM deposit at an envelope-free ATM, if you do so before 6 PM ET, your funds will be available immediately. At ATMs requiring an envelope, only the first $100 will be available immediately.

Mobile check deposits require 2-3 business days as they go through verification.

As for your opening deposit, if you made an electronic transfer from a BB&T account, the funds will be available immediately. If you transferred money from another bank, the funds will be available within 5 business days. If you used a debit card, within 2.

You can enroll in BB&T Online and Mobile Banking by completing a form available here. You'll be asked to provide your name, Social Security Number, account or card details, contact information, etc. Once done, you'll be able to bank at your own convenience.

U by BB&T is a money management tool BB&T customers can use for daily banking.

It includes a customizable dashboard, from where you can access your profile, personal information, account alerts, receipts of previous transactions, and credit card rewards. From your dashboard, you can also schedule an appointment with a BB&T banker.

Some of the many banking features U by BB&T offers include bill pay and transfers with activity history, online statements, alerts, checks and mobile check deposits, and more!

You can also set your savings goals, and view progress as you go. You can manage your card activity, link accounts, make person-to-person transfers using Zelle, among quite a number of other available perks.

Finally, from your U by BB&T, you'll also be able to access BB&T Deals, a rewards program with many cashback offers and deals!

You can access BB&T Deals via your desktop or mobile phone by logging in to your account, and going to the BB&T Deals section. From there, you'll be able to see available offers, and add those you like to your cart. You can redeem a deal by making a purchase using your BB&T credit or debit card, and that's it! Rewards will be automatically deposited in your account. Remember: the more you shop, the more offers you receive - the more potential to earn!