Minimum Opening Deposit
A $100.00 deposit is required to open this account.
$100.00
Monthly Service Fee
The Monthly Service Fee of $30.00 can be waived by meeting one of the following requirements:- A $25,000 combined deposit balance in checking, savings, CDs, IRAs, Money Rate Savings, or Investor's Deposit Account;- A $25,000 combined outstanding balance in retail loans and lines of credit; - A $150,000 original personal mortgage loan.
$30.00
Annual Percentage Yield (APY)
The account earns 0.01% for balances over $0.01 and 0.05% at $10,000.
up to 0.05%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Debit Card with Rewards
BB&T Deals-earn cash back from participating retailers by using debit card for purchases
$0.00/yr
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM after 4 uses per month.
$3.00/per use
International ATM Usage Fee
There is a $5.00 fee each time you use an international ATM after 4 uses per month
$5.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A BlackBerry application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, deposit checks, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, deposit checks, locate ATMs;- An iPad application to view account balances, view recent activity, pay bills, and open accounts.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone and Android mobile application.
Free
Person-to-Person Payments
Zelle
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- The bad news that your account balance is below $0;- Reminders that bills are coming due for payment;- Confirmation that bills have been paid;- An email to let you know there's a secure message for you in Online Banking.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
The first order of 'premium' checks is free for all new account holders.Reorders of 'basic' checks are free for all account holders. Reorders of 'premium' checks are discounted by $6.00 for all new account holders.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks are included in monthly statements.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $36.00 fee on the seventh calendar day with less than a $0.00 balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $36.00 per overdraft.
$36.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $9.00 after 24 per year. The transfer fee is charged for every $100.00 of negative balance;- Funds are transferred in fixed increments of $100.00.From a linked Credit Card Account:- Transfer fee of $9.00 after 24 per year. The transfer fee is charged for every $100.00 of negative balance;- Funds are transferred in fixed increments of $100.00.From a linked Overdraft Line of Credit:- Transfer fee of $9.00 after 24 per year. The transfer fee is charged for every $100.00 of negative balance;- Funds are transferred in fixed increments of $100.00.