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Overview / Commentary
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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BB&T Checking Account $100 Bonus - 12/1/2016

Just learned of this BB&T checking account promotion  BB&T Promotion page When you open a BB&T personal checking account and use U by BB&T, we'll give you $25 for each feature you try–earn up to $100 $25 Pay a friend $25 Pay a bill $25 Redeem a deal $25 Receive a direct deposit Use promo code ANRAF Offer expires December 30, 2016.U by BB&T is their “new mobile and online banking experience”

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Local Bank has a heart

Posted by: Kzin | Oct 28, 2016

I lost my son recently and went through a period of financial difficulty due to the expenses involved. I called BB&T when I got an overdraft notice. Not only did they listen, they removed the charges and pushed my mortgage payment ahead. The people I talked to were genuine and went out of their way to help. I will always be their customer

Overall Good Bank - One Area Need Work

Posted by: srflynn66 | Oct 19, 2015

I have banked with BB&T for quite a few years and have been very pleased when interacting with personnel within the bank and website/mobile offerings and experiences. However, I have come to their mortgage group on several occasions inquiring on mortgages just to hear crickets. On the last chance swing with them, I actually did hear back from their mortgage department a month after contacting them with the inquiry. I had long since settled with Quicken Loans to meet my mortgage needs. I have no complaints with their customer service or offerings other than the responsiveness from the mortgage group.

BB&T Review

Posted by: LoganBW | Nov 10, 2014

BB&T has great customer service and the appearance of the bank and staff is always professional. The staff can always take the time out of their day to reassure you on information about your account. I don't like that a few of there cheaper accounts don't have minimum balances so you get charged a maintenance fee no matter what. Do not like how they handle overdraft protection either, don't believe there should be a 10.00 dollar fee for money that is already there. The mobile app is pretty handy takes some getting used to, the controls could be a little more user friendly. I also have a complaint about a lack of candy at the front counter, without the candy no trip to the bank is complete.


I have been a long time customer of BB&T. I had an elderly woman that was dying of cancer move into my home with me and my wife since their family could not help her. I went with her to the bank to open a checking account for her so I could pay her little phone bill. She passed away yesterday. I called and canceled the account and then noticed they pulled my credit without my permission. I already had accounts with them. I called them thinking it was a mistake and they said they did pull it without my knowledge. Now I have to take the time to Notify Equifax and show that BB&T fraudulently pulled my credit.

Pretty bad when you help someone that is dying with no place to go and a company takes it into their own hands to start underhanded activities. No morals!



Health Grade Components

FDIC Certificate #9846
Year Established1872
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD8.67%
Annual Interest Income$6.43B
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$214.4B$205.1B
LoansQ4 2016vs Q4 2015$140.1B$132.4B
DepositsQ4 2016vs Q4 2015$167.6B$156.9B
Equity CapitalQ4 2016vs Q4 2015$28.40B$25.79B
Loan Loss AllowanceQ4 2016vs Q4 2015$1.24B$1.24B
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$837.5MM$692.3MM
Real Estate OwnedQ4 2016vs Q4 2015$73.2MM$129.6MM
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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*-Investor's Deposit Account
OTHER TIERS: 0.01% Up to $10k

BB&T has 2,198 locations. Click to view all BB&T locations.