BB&T Fundamentals Checking Account

With a unique money management dashboard, personalizable debit card, and no minimum balance or minimum opening deposit, the BB&T Fundamentals Checking Account is great for daily banking!

securely on the bank's website

BB&T Fundamentals Checking is a rewards checking account offering advanced digital tools for online and mobile banking that make your daily account money management much easier! Not only can you personalize your online account dashboard, and pay bills, but you can also control your card activity, set and track spending, manage your receipts, and more!

Plus, if you're a fan of AT&T, Chili’s, DirectTV, Jamba Juice, PetSmart, Sears, Sephora and Starbucks, which are some of the merchants participating in BB&T's rewards program, you can earn cash back when using your BB&T debit or credit card. The more you shop, the more offers you receive -> the more you earn.

Checking account details

Checking account fees

  • Monthly Fee
    $5
  • APY
    0.00%
  • Minimum Deposit to Open
    $50
  • Out-of-Network ATM Transaction Fee
    $3 plus fees charged by ATM owner
  • Out-of-Network ATM Withdrawal Fee
    $3 plus fees charged by ATM owner
  • Overdraft Fee
    $36
  • Non-Sufficient Funds Fee
    $36
  • Foreign Transaction Fee
    n/a

BB&T Fundamentals Checking Account FAQ

1. How can I apply for BB&T Fundamentals Checking?

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.

2. What will I need to apply for a BB&T Fundamentals Checking account?

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).
3. When will I know whether my application for BB&T Fundamentals Checking has been approved?

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

4. How can I find BB&T branches and ATMs?

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

5. How do I find my BB&T routing number?

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

6. How many times can I overdraft my BB&T Fundamentals Checking account?

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

7. After I make a deposit, when are my funds available?

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.

8. How do I enroll in BB&T Online and Mobile Banking?

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.

9. What is U by BB&T?

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!

10. How do I earn cash back through BB&T 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!

Check out other BB&T Bank checking account offers
Bank Monthly Service Charge Minimum Deposit to Open APY
BB&T Fundamentals Checking Account $5 $50 0.00%
BB&T Bright Banking Checking Account $12 $50 0.00%
BB&T Student Checking Account $0 $0 0.00%
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