BB&T Elite Gold Checking Account

You can open the Elite Gold Checking Account by applying online, in person or by phone (800-BANK-BBT / 800-226-5228).

To open the Elite Gold Checking Account, you'll need to provide:

• Your Social Security Number,
• Your date of birth and address,
• Your government-issued ID,
• An opening deposit, including your existing bank account or debit/credit card number.

BB&T determines your interest rates by the balance in your account. Currently, the following tier interest rates are applied:

• For balances between $0 and $2,499: 0.01%.
• For balances between $2,500 and $24,999: 0.01%.
• For balances between $25,000 and $99,999,999,999: 0.01%.

Since the rates don't get any higher with your balance, you might want to look for a checking account that offers better rates on greater balances.

BB&T will charge you an early-withdrawal penalty fee if you withdraw funds from your CD prior to its maturity date.

As per BB&T's Bank Service Agreement, the following penalties apply:

• Certificates of Deposit with a term of less than 3 months, the penalty shall be all interest that would have been earned or $25, whichever is greater.
• Certificates of Deposit with a term of 3-12 months, the penalty shall be an amount equal to 3 months simple interest earned on the principal amount withdrawn or $25, whichever is greater.
• Certificates of Deposit with a term of 13-23 months, the penalty shall be an amount equal to 6 months simple interest earned on the principal amount withdrawn or $25, whichever is greater.
• Certificates of Deposit with a term 24 months or greater, the penalty shall be an amount equal to 12 months simple interest on the principal amount withdrawn or $25, whichever is greater.

However, with the Elite Gold Checking Account, you have right to 1 penalty-free early CD withdrawal in case of a medical emergency.

Using BB&T's ATMs, you can withdraw up to $1,500 per day as an Elite Gold Checking accountholder. The limit is greater when you use your debit or ATM card for POS transactions - $6,000 per day.

Elite Gold Checking Account customers benefit from 2 free overdraft protection transfers per month. In excess of these 2, BB&T will charge $9.00 per transfer.

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, previous transaction receipts, and credit card rewards. You can also schedule an appointment with a BB&T banker via the dashboard.

U by BB&T is a quick and convenient way to make transfers, pay bills, view activity history and online statements, set up account alerts, plan for savings, manage card activity, and more!

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!

As an Elite Gold Checking accountholder, you won't have to pay the $7.95 monthly fee to use Quicken!

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!

Funds deposited using mobile check deposit with U by BB&T are usually available the next business day or up to 3 business days. Mobile check deposits received on weekends, bank holidays, and Monday through Friday after 8 pm ET are processed the following business day.