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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 EpBooks.us.

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

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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.

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

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.

Decent But Getting Worse.

The local branches have great friendly service and are very helpful.
However BBT Corporate is getting worse. I'm constantly having problems with my online and mobile banking. When I call customer service they are.
I was with Susquhanna bank before they were bought by Bb&t.
The account minimums BBT requires are ridiculous.
I wish I could rate this bank higher then 2 stars, but this is a mobile world and it seems like they are not a mobile friendly bank.



Health Grade Components

FDIC Certificate #9846
Year Established1872
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD7.71%
Annual Interest Income$3.28B
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$215.3B$217.2B
LoansQ2 2017vs Q2 2016$139.9B$139.9B
DepositsQ2 2017vs Q2 2016$163.1B$167B
Equity CapitalQ2 2017vs Q2 2016$28.99B$28.28B
Loan Loss AllowanceQ2 2017vs Q2 2016$1.21B$1.27B
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$663.0MM$917.5MM
Real Estate OwnedQ2 2017vs Q2 2016$66.0MM$75.2MM
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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