BB&T's Fundamental Checking Account Has No Monthly Check Limit
You can write as many checks as you want each month with BB&T's Fundamental Checking account. There is no cap on the number of checks you are allowed to write, and BB&T does not charge per-check fees for writing them.
This is different from some other banks, which either limit checks to a certain number per month or charge a fee for each check written beyond a threshold. BB&T's approach means you can use checks as your primary payment method without worrying about hitting a limit or running up fees.
The only constraint is the same one that applies to any checking account: you cannot write a check for more money than you have in your account. If you overdraft, BB&T will either decline the check or charge you an overdraft fee, depending on whether you have overdraft protection turned on.
Key Takeaways
- BB&T's Fundamental Checking account allows unlimited check writing with no monthly cap or per-check fees.
- You are limited only by your account balance—you cannot write checks for money you do not have without triggering overdraft fees or declined transactions.
- If you write many checks each month, the Fundamental account is designed to handle that without penalty.
- Overdraft protection can be turned on or off in your account settings, which determines whether checks bounce or incur fees when your balance is low.
How Check Writing Fits Into BB&T's Checking Structure
BB&T offers several checking account tiers, and the Fundamental Checking account is positioned as a basic option. The unlimited check writing is one of the features that makes it practical for people who still rely on checks for bills, rent, or other regular payments.
Other features of the Fundamental account—such as debit card access, online banking, and mobile deposit—work alongside check writing. You are not forced to choose between payment methods; you can use checks when you need them and electronic payments when that makes sense.
If you write checks frequently, keep in mind that each check takes time to clear. A check typically clears within one to three business days, depending on the bank it is drawn on and the bank receiving it. During that window, the money is still in your account even though the check has been written.
Overdraft and What Happens When Your Balance Runs Low
The real limit on check writing is your account balance. If you write a check when you do not have enough money to cover it, BB&T will either decline the check or pay it and charge you an overdraft fee.
BB&T offers overdraft protection, which you can turn on or off. With overdraft protection enabled, the bank will cover the check and charge you a fee (typically $35 per overdraft, though this can vary). Without it, the check will bounce, and you may also face a returned-check fee.
To avoid overdraft fees, monitor your balance regularly through BB&T's online banking or mobile app. Remember that checks you have written but not yet cleared still count against your available balance, so factor in pending checks when deciding whether you have enough to cover a new one.
Comparing Check Writing Across BB&T Account Types
| Account Type | Check Writing Limit | Per-Check Fee |
|---|---|---|
| Fundamental Checking | Unlimited | None |
| Premium Checking | Unlimited | None |
| Student Checking | Unlimited | None |
Across BB&T's main checking account options, check writing is unlimited and free. The differences between accounts lie in other features: monthly maintenance fees, minimum balance requirements, interest rates, and perks like fee waivers or cash back.
If you are choosing between BB&T accounts and check writing volume is a factor, the Fundamental account will not hold you back. You can write as many checks as you need without worrying about hitting a limit or paying extra per check.
Ordering Checks and Managing Your Supply
BB&T allows you to order checks through your online banking portal or by calling customer service. You can also order checks from third-party vendors, though ordering through BB&T ensures the checks are formatted correctly for your account.
Check orders typically arrive within one to two weeks. If you write checks frequently, order a new supply before you run out so you do not have to wait. BB&T may charge a small fee for check orders (usually $10 to $15 per box), though some account tiers waive this fee.
If you need checks urgently, some third-party check printers can deliver within a few business days, though they may cost more. For routine orders, planning ahead through BB&T is usually the most economical option.
When Check Writing Might Not Be the Best Option
Even though you can write unlimited checks, there are situations where other payment methods are faster or safer. For time-sensitive payments, electronic transfers or bill pay through your bank account are usually quicker because they clear in one to two business days rather than three to five.
For payments to large companies or government agencies, online bill pay or automatic transfers often have better tracking and confirmation. Checks can get lost in the mail, and if a check is lost or stolen, replacing it takes time.
If you are paying someone you do not know well or sending money out of state, electronic payment methods leave a clearer digital trail. Checks are still useful for landlords, contractors, and local businesses that prefer them, but for routine bills, your bank's bill pay service is often more reliable.
Frequently Asked Questions
Does BB&T charge a fee for writing checks?
No. BB&T does not charge per-check fees on the Fundamental Checking account. You can write as many checks as you want without incurring fees for the checks themselves. You may be charged an overdraft fee if a check bounces or if you overdraft your account, but that is separate from check-writing fees.
What happens if I write a check and do not have enough money?
If overdraft protection is on, BB&T will pay the check and charge you an overdraft fee (typically around $35). If overdraft protection is off, the check will bounce and you may face a returned-check fee. You can turn overdraft protection on or off in your account settings.
How long does it take for a check to clear?
Most checks clear within one to three business days, depending on which bank is receiving the check. During that time, the money is still in your account. You should factor in pending checks when checking your available balance to avoid overdrafting.
Can I order checks online through BB&T?
Yes. You can order checks through your BB&T online banking portal. Orders typically arrive within one to two weeks. BB&T may charge a small fee for check orders, though some account tiers waive this fee. You can also order from third-party check printers if you need them faster.
Is there a limit to how many checks I can write in a single day?
No. BB&T does not limit the number of checks you can write in a day, a week, or a month. Your only limit is your account balance. As long as you have the funds, you can write as many checks as you need.