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200 W 2nd St
Winston Salem, NC 27101

BB&T is a large regional bank based in Winston-Salem, North Carolina. Some accounts can be opened online, but the bank typically restricts new accounts to people who reside within its footprint which includes North Carolina, South Carolina, Virginia, Maryland, West Virginia, Kentucky, Tennessee, Georgia, Florida, Alabama, Indiana, Texas, and Washington, D.C.

BB&T is one of North Carolina’s largest banks and is publicly traded on the New York Stock Exchange (Symbol:BBT). The bank’s acronym stands for Branch Banking & Trust Company, and it offers a range of commercial and personal banking products along with investment banking and insurance services.

On its personal banking side, BB&T offers checking, savings, money market, and Certificate of Deposit (CD) accounts, as well as credit cards and convenient online services. All of the bank’s checking accounts come with free BB&T ATM withdrawals, bill payment, and 24/7 telephone automated inquiries. Only its student checking account comes with no monthly maintenance fee, but the other options offer ways to have the fee waived each month. Another checking account option includes identity protection services and that means quarterly credit reports and a limited amount of insurance. Several of BB&T’s checking accounts have been recognized on DepositAccounts.com.

Savings accounts are available and feature a popular basic account with no balance requirements or monthly fees, and a college savings account that functions as a 529 plan. The bank also offers a health savings account to help consumers potentially save on healthcare expenses. Money market accounts offered by BB&T have a large minimum balance requirement and pay higher interest rates to higher balance levels. Certificates of Deposit (CDs) range in term lengths from 7 days to 60 months and include both a home and college directed account. The home and college CD accounts offer a customized approach to saving for a house or an education. BB&T investment services provide guidance on and access to investment products like mutual funds, annuities, and stocks.

BB&T online banking provides customers with a Internet platform on which to manage their accounts. Bill payment, fund transfers, and financial management software integration are all features of this free web-based system. Mobile banking is also available and makes it convenient and easy to bank by text or mobile apps designed for select smartphone and tablet devices.

BB&T is more than 140 years old and was originally established by Alpheus Branch and Thomas Hadley in 1872. The bank is a subsidiary of BB&T Corporation, a bank holding company and is currently headquartered in Winston-Salem, North Carolina. The bank briefly accepted the U.S. Treasury’s TARP money in 2008 before repurchasing its shares the following year.

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Great financial institution

Posted by: Madartus | Sep 16, 2017

I love BB&T. I think the signing up process is quite easy and after you are able to sign up banking with them is more then fair. I feel secure banking with them.

Satisfied with online bank

I highly appreciate the services offered by BBT. It doesn't make sense anymore to have a physical banking location. There are no fees, no minimum balances to maintain, and I find their customer service to be exceptional. There were fraudulent charges on my account and customer service took care of the issue. I expected to be on the phone forever, but they took care of the problem quickly.

BB& T is abougt average for banking

We have used BB&T for several years and it seems to be about average to other banks. We have not had any issues, and have been able to depend on them to let us know if there are any issues with our account or if we need any information.

Student Checking Account

Posted by: Platney | Dec 5, 2017

These people are the worst and don't follow guidelines. These people allowed my 17 year old son to open a checking and savings account under some student account plan without my consent. I was not aware of this account until I started noticing all these banking cards addressed to him in the mail. I opened one of them and was shocked to see that my sons account was overdrawn $200+ in overdraft fees, all for transactions $10 and below! How could this be? If anyone else has experienced this and can give me advice on what I can legally do about this, please let me know.



Health Grade Components

FDIC Certificate #9846
Year Established1872
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD11.45%
Annual Interest Income$1.75B
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$215B$214.6B
LoansQ1 2018vs Q1 2017$138.4B$138.7B
DepositsQ1 2018vs Q1 2017$165B$167.6B
Equity CapitalQ1 2018vs Q1 2017$27.81B$28.87B
Loan Loss AllowanceQ1 2018vs Q1 2017$1.23B$1.23B
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$617.0MM$797.4MM
Real Estate OwnedQ1 2018vs Q1 2017$61.0MM$73.8MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

BB&T Savings Account Rates

0.03%--BB&T eSavings

BB&T Money Market Rates

0.04%*$10k*-Tiered Money Market
OTHER TIERS: 0.01% Up to $10k


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