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

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 I Love You

Posted by: Kaylaah | Apr 29, 2019

Thanks BB&T for being an awesome banking experience i have reffered many people to open an account with yall!!!!!! I switched from an aweful bank named woodforest im sure some have heard of this terrible bank ! Anyways long story short im happy now

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.

Wait Time For Pending Charges

It takes forever for charges to post and by time they do you'll be in the negative just so they can charge you overdraft fees. It shouldn't take a week for pending charges to post.

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.



Health Grade Components

FDIC Certificate #9846
Year Established1872
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.58%
Return on Equity - YTD12.12%
Annual Interest Income$3.98B
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$223.1B$216.5B
LoansQ2 2019vs Q2 2018$146.9B$141.7B
DepositsQ2 2019vs Q2 2018$168.4B$166.7B
Equity CapitalQ2 2019vs Q2 2018$29.54B$27.95B
Loan Loss AllowanceQ2 2019vs Q2 2018$1.32B$1.26B
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$453.0MM$564.0MM
Real Estate OwnedQ2 2019vs Q2 2018$63.0MM$63.0MM
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Always verify rates and promotions with the bank or credit union. We are not BB&T; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.01%--Business Money Rate Savings
0.01%$1k$500kPublic Fund Money Rate Savings

BB&T Money Market Rates

1.20%*$750k*-Business High Performance Money Market
OTHER TIERS: 0.01% Up to $25k | 0.50% $25k - $100k | 0.70% $100k - $250k | 0.80% $250k - $500k | 0.95% $500k - $500k
1.00%*$250k*-High Performance Money Market
OTHER TIERS: 0.01% Up to $1k | 0.05% $1k - $10k | 0.50% $10k - $50k | 0.60% $50k - $100k | 0.75% $100k - $250k
0.02%*$10k*-Business Investor’s Deposit Account
OTHER TIERS: 0.01% Up to $10k
0.02%*$10k*-Investor's Deposit Account
OTHER TIERS: 0.01% Up to $10k

BB&T Checking Account Rates

0.01%--Elite Gold

BB&T CD Rates

BB&T offers various certificates of deposit including regular fixed-rate CDs with terms up to 60 months, add-on CDs which allow for limited add-on deposits and a Can't Lose CD which provides for both limited add-on deposits and a limited penalty-free early withdrawal. Rates are not listed on BB&T's website, and they can vary based on location. Contact BB&T for the latest CD rates.

1.75%$1k-7 Month CD Special
1.50%$1k$100k13 Month CD Special
1.25%-$100k23 Month CD Special
0.75%$1k$100k48 Month Stepped Rate CD - Year 4
0.55%$1k$100k48 Month Stepped Rate CD - Year 3
0.40%$1k$100k48 Month Stepped Rate CD - Year 2
0.30%$1k$100k48 Month Stepped Rate CD - Year 1
0.30%$1k$100k36 Month CD
0.30%$1k$100k42 Month CD
0.30%$1k$100k48 Month CD
0.30%$1k$100k60 Month CD
0.25%$1k$100k30 Month Can't Lose CD
0.20%$1k$100k24 Month CD
0.20%$1k$100k30 Month CD
0.15%$1k$100k18 Month CD
0.10%$1k$100k270 Day CD
0.10%$1k$100k360 Day CD
0.05%$1k$100k180 Day CD
0.03%$1k$100k90 Day CD
0.03%$1k$100k120 Day CD
0.03%$1k$100k150 Day CD
0.02%$2.5k-30 Day CD
0.02%$1k$100k60 Day CD
0.01%$2.5k$100k7 Day CD


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.