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Home Banking

BB&T Bank Student Checking Review (Students Age 23 & Younger)

Diana Mason by Diana Mason
May 25, 2019 12:00 am CDT
in Banking
0
Earn a $300 cash bonus with BlueVine!
chase-total-checking-banner-300-2024

BB&T Bank wants to help you find financial independence by designing a personal checking account specifically for your student lifestyle. Find out more about BB&T Student Checking: the good, the bad and our impression.

*See the best Student Checking Accounts compared

Current Promotions?

There typically aren’t sign-up bonus offers for the BB&T Student Checking account. Their regular consumer Checking accounts will have offers a few months out of the year. See the current banking bonuses from BB&T here.

For a competitive student Checking option, the Chase College CheckingSM account has the same great features, more branch availability, and a nice sign-up bonus.

Featured Student Checking Promotion

[su_pricing_table]

[su_plan name=”TD Bank Convenience Checking℠” price=”$200″ after=”bonus” color=”#000000″ btn_url=”https://www.moneysmylife.com/redirect/td-bank-convenience-checking” btn_text=”Learn More” btn_background=”#5fc0e9″]

  • Students 17-23
  • 1300 Branches
  • No Monthly Fee
  • Read Our Review

[/su_plan]

[su_plan name=”Chase First Banking℠” color=”#000000″ btn_url=”https://www.moneysmylife.com/redirect/chase-first-banking” btn_text=”Learn More” btn_background=”#5fc0e9″]

  • Students 6-17
  • 4700+ Branches
  • No Monthly Fee
  • Read Our Review

[/su_plan]

[/su_pricing_table]


The Requirements

  • For students up to age 23.
  • No minimum opening deposit

BB&T Student Checking Details

The GoodThe BadThe Fees

BB&T Student Checking

No Monthly Maintenance Fee & No Minimum Balance Requirement

Ever! You just have to be under 24.

Option to Personalize Your Debit Card

Design your own debit card by using BB&T’s gallery of images or uploading your own photo.

Access to Over 3,100 BB&T ATMs

If you find yourself withdrawing from a non-BB&T ATM, don’t worry! With Student Banking, BB&T will waive two non-BB&T ATM transactions per monthly statement cycle.

Unlimited Automated Account Information 24/7

Via BB&T Phone24 at 800-BANK-BBT (800-226-5228).

Fee-Free Regular Savings Account

With BB&T Student Checking, the bank will waive your $5 monthly maintenance fee.

U by BB&T Money Management Tools

Featuring a customizable online and mobile banking experience to monitor both BB&T and non-BB&T accounts. You can deposit checks, pay your bills, set and track spending, manage receipts, and earn cash back with BB&T deals!

Low Coverage

BB&T has branch and ATM locations primarily on the East Coast, covering 15 states and the District of Columbia.

Overdraft Fees

BB&T does not mess around when it comes to overdraft fees. With $36 per paid or returned item and a maximum of 6 items per business day, you could be throwing away as much as $216 in overdraft charges on an extremely bad day.

No Yield on Deposits

Unfortunately, BB&T Student Checking does not bear any interest. However, it’s free to open a BB&T Regular Savings Account, which will yield some interest.

UsageFeeNotes
Monthly Maintenance$0Until the age of 24.
Non-BB&T Bank ATM (domestic)$2.50Per transaction, plus operator fees.
Non-BB&T Bank ATM (international)$5Per transaction, plus 3% of transaction, plus operator fees.
Overdraft/NSF$36Per paid or returned item, max 6 items per business day.
Negative Account Balance$8Per day, after 7 consecutive overdrawn days.
Overdraft Protection Transfer$12.50Per transfer, limit of one fee per linked account per day. For transfers under $5, no fee will be charged.
Paper Statement$3Per monthly billing cycle.


The Impression

If you’re a student who’s younger than 24, you can open a BB&T Student Account, even if you only have a penny to your name. BB&T makes it easy for students with no monthly maintenance fee, no minimum balance required, 24/7 automated account information service, and U by BB&T money management tools. You can even put any picture you want on your debit card!

However, If you live in the Midwest or West, the BB&T Student Checking won’t be an option for you, as branches are primarily on the East Coast. Overdraft fees on this account can also be pretty steep…like that last bit of Half Dome hike steep.

Learn More

More Student Checking Reviews
  • Chase College Checking℠ Coupon: $125 Bonus Offer – Ends 10/15/2025
  • PSECU Teen Banking Bonus – Get $100 for Learning to Bank Smart [PA] – Ends 12/31/25
  • 10 Best Student Checking Account Offers of March 2025
  • Fizz Sign Up & Referral Bonus: Earn $5-$20 Instantly!
  • Santander Student Value Checking Review (Ages 14 – 25)
  • TD Bank Student Checking Review: Free Checking For Students Under 24
  • U.S. Bank Student Checking Review: No Fees, No Minimums
  • Capital One 360 Money Account Review: Checking Account For Ages 13 To 17
  • BB&T Bank Student Checking Review (Students Age 23 & Younger)
  • SunTrust Essential Checking For Students (High School, Technical School, College)
  • PNC Bank Virtual Wallet Student: Unique Features At Your School
  • Wells Fargo Teen Checking & Everyday Student Checking Review

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

Interactive Brokers Logo Click here to see why Interactive Brokers is the #1 brokerage for serious investors!

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Diana Mason

Diana Mason

My passion for travel eventually led me away from the 9 to 5 office life and into the embrace of freelance work. Born in Cali and raised in Philly, I am a creative professional with a delightful knack for words. When I'm not gallivanting across the globe, you can find me writing (of course), teaching yoga, and dreaming of my next big adventure.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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