Which checking account is best for you?
Choose from a variety of options from everyday checking to our most exclusive checking account with premium benefits.
Tell us about yourself, and we'll help you get started.Checking these checkboxes updates content below.
You may be interested in:
Choose one or more of the above boxes to see your options.
If you're at least 55 years of age, Senior Checking may be right for you.
Avoid the $10 monthly fee with one of the following each statement cycle:
- Direct deposits of $500 or more or
- $1,000 average checking balance
Digital banking built around you
We've simplified banking to give you more control over how you manage your money and your cards.
- Customize your dashboard – Set up your online banking profile and accounts any way you like
- Link accounts – View all of your accounts at once, whether they're with BB&T or not
- Move money with Zelle® – Send and receive money directly between almost anyone you know
- Control your cards – Choose when, where and how your card is used
Additional checking account services
Make sure you're using all the great services that come with a BB&T checking account.
Whether you write one check per year or dozens every month, it's easy to order customized checks and accessories online (opens in a new tab). You can get:
- Checkbook covers
- Personal deposit slips
- Address labels
Personalize your debit card
Customize your BB&T debit card with the design of your choice in either landscape or portrait orientation. Design options include:
- Gallery images – Browse hundreds of professional photos in our image library
- Personal images – Upload your favorite photo or image
- Photo ID – Upload your profile photo for an added layer of card security
Choose your overdraft protection options
Our goal is to make it as easy as possible for you to understand how you have incurred a fee, so you know exactly what you're paying for.
Set your overdraft protection options in U by BB&T. Once logged in:
- Select Profile & Settings
- Select Customer Service
- Under Account Services, select Your Overdraft Options
Find your routing number
Your routing number is specific to the state in which you opened your account. Find your routing number.
Once you know where to look, it's easy to spot your routing number:
- It's the nine-digit number in the lower left corner of your checks
- It comes right before your account number
What can U do for me?
See how U by BB&T can make managing your money easy and convenient.
So what exactly is U? Here’s the two-minute version.
U is based on the idea that everyone’s finances are unique and that managing your money should be simple. Let’s take a look inside.
First of all, you can still do all the basics. It’s very easy to see your balances, transfer money, pay bills, and deposit checks.
But now we’ve separated all of the features into tiles, like you see here. And here’s the cool part: You can create and customize your own financial dashboard based on what’s important to you.
So, what if you’re all about rewards? Move your credit card rewards to the top of your dashboard so it’s the first thing you see when you log in. Or maybe you want to move your categorized spending from here to here.
Even colors are your choice. Make U your own with a variety of new color themes.
Or say you don’t want any of this. Say you want the cleanest dashboard possible. Well, you can skip the fancy tiles and have that, too.
But that’s not all. There are a lot of new features, too.
For example, now you can see all of your accounts, not just with BB&T.
Paying your friends is way easier than it used to be, too. You can pay anyone directly with just their email address or mobile phone number.
You get a real banker that you can connect with, or schedule appointments on your time.
With Quick View Balance, you can see balances without logging in.
You can set your own customized budget with our Plan and Analyze tools, and we’ll track your progress as you go.
This is the new receipt tile. It helps you capture and store your receipts, even attach them to your transactions. No more paper needed.
What you see today is only the beginning. We’ll continue to add new features that help make your life a little easier and help you make better financial decisions.
Then we want to hear about them from you. You can tell us if you like them, or if they need more work, and what we should build next. Because at the end of the day, it’s your bank, it’s your money, and it’s all about you, and that’s what U is all about. Log on or enroll today.
How often should I do a financial check-up?
Conducting a mid-year check-up on key financial areas—budget, credit score, retirement savings, life insurance—will allow you to adjust if needed to keep your annual financial goals on track. Here are some important aspects of a financial check-up.
Conducting a financial check-up
Hold your own budget summit
Has your budget changed? Evaluate your spending habits and reset goals if needed. If you got a raise or a new job, maybe you can afford to save more each month. If you don't already have a budget, start one—a mid-year financial check-up still gives you six months to make a difference.
Optimize your tax breaks
Are you taking advantage of opportunities to lower your taxable income by paying into a tax-advantaged retirement account? Are you maximizing contributions to your retirement plan? For example, say you were able to contribute $18,000 in pretax dollars to your 401(k) or 403(b) in 2016. For those aged 50 and older, it's possible to make a catch-up contribution of as much as $6,000, which increases your 2016 total to $24,000.
Get reacquainted with your investments
While it can be good to leave your investments alone, it's also a good idea to review your portfolio once a year. Consider your financial goals and assess risk level compared with the market's year-to-date performance and make any adjustments to keep you on pace with your financial goals.
Revisit insurance coverage
Are the liability limits you have still high enough to protect your assets? If you've done any home improvements or upgrades, consider whether your policy is high enough to replace your home and possessions if needed.
Evaluate your debt
Look at your credit card balances and other loans. Is your balance creeping up? Maybe you need to make some budget adjustments or consider refinancing to lower interest rates.
Estate plans and wills only need to be reviewed every five years or so, but consider making this part of your mid-year financial check-up if a life change has happened, such as marriage, divorce, birth or death. This would also be a good time to look at life insurance and retirement account beneficiary designations to ensure they match the rest of your estate plan.
Doing a mid-year financial check-up might seem like a lot of work, but it will help protect you, your loved ones and everything you've worked hard for.
Get a big-picture view of your finances with U by BB&T.
Cash back rewards
With BB&T Deals, the more you shop, the more you earn.
Link your BB&T accounts for overdraft protection and get added peace of mind.