BB&T Online Account Opening: What You Can and Cannot Do
You cannot open a BB&T checking account entirely online. BB&T (now operating as Truist Financial Corporation after a 2019 merger) requires an in-person visit to a branch to complete the account opening process, even if you start the application online.
The online portion lets you fill out your information and review account options before you go in, which saves time at the branch. But a banker must verify your identity in person, review your application, and complete the final steps to activate your account. This is standard practice across most large banks—the online start is a convenience, not a replacement for the branch visit.
Key Takeaways
- BB&T requires an in-person visit to a branch to finish opening a checking account, even if you begin the application online.
- You will need a government-issued photo ID, Social Security number, and initial deposit (amount varies by account type) when you visit the branch.
- The online pre-application step takes 10 to 15 minutes and lets you choose your account type and review terms before going to the branch.
- If you cannot visit a branch in person, some banks offer video verification as an alternative, though BB&T's current policy typically requires a physical visit.
What You Need Before Starting the Online Application
Gather these items before you begin: a government-issued photo ID (driver's license, passport, or state ID card), your Social Security number, and information about your initial deposit. BB&T checking accounts typically require a minimum opening deposit, though the amount depends on the specific account type you choose.
You will also need an email address and phone number to complete the online form. Have your employment information handy if you want to fill that section, though it is not required. If you are opening a joint account, both account holders will need to be present at the branch with their own IDs.
Steps to Start Your Application Online
Go to the Truist website (Truist is the name BB&T operates under now) and look for the "Open an Account" or "New Accounts" section. Select "Checking" from the account type options. The online form will ask for your personal information: name, address, date of birth, Social Security number, and contact details.
You will choose which checking account type fits your needs—Truist offers several options with different features and fee structures. Review the account details, including monthly fees, minimum balance requirements, and interest rates. Once you submit the online application, you will receive a confirmation number and instructions for the next step.
The confirmation will tell you to visit a Truist branch near you to complete the account opening. Bring your photo ID, Social Security card (or know your number), and your initial deposit in the form of cash, a check, or a transfer from another bank account.
What Happens at the Branch
When you arrive at the branch with your confirmation number, a banker will pull up your online application. They will verify your identity by checking your photo ID against the information you entered online. This step is required by federal law to prevent fraud and money laundering.
The banker will review the account details with you, answer any questions about fees or features, and confirm your initial deposit method. If you are depositing cash or a check, they will process it on the spot. If you are transferring funds from another bank, they will set up that transfer and give you a timeline for when the money will arrive.
Once everything is confirmed, the banker will activate your account. You will receive your debit card (which may be issued immediately or mailed to you, depending on the branch) and login credentials for online and mobile banking. The entire in-person visit usually takes 15 to 30 minutes.
Timeline From Application to Active Account
The online application itself takes 10 to 15 minutes to complete. After you submit it, you can visit a branch the same day or schedule a time that works for you—there is no deadline to complete the in-person step, though the sooner you go, the sooner your account is active.
Once you finish at the branch, your checking account is usually active immediately for debit card purchases and transfers. If you requested a physical debit card to be mailed, it typically arrives within 7 to 10 business days. Checks can be ordered through your online banking portal once your account is open.
If You Cannot Visit a Branch in Person
Some Truist branches offer video verification for account opening, which allows you to complete the identity verification step remotely instead of in person. This option is not available at all locations, so contact your nearest branch or call Truist customer service to ask whether video opening is available in your area.
If video verification is not an option and you cannot visit a branch, you may need to wait until you can travel to a location. Alternatively, some people open accounts at online-only banks or credit unions that do not require a branch visit, though those institutions offer different features and fee structures than Truist.
Frequently Asked Questions
Do I need to make a minimum deposit to open the account?
Yes, BB&T checking accounts require an opening deposit, but the minimum amount varies by account type. Some accounts require $100 to $500, while others may have different minimums. The online application will show the minimum for each account option before you submit.
Can I use an online bank transfer as my initial deposit?
Yes. At the branch, you can authorize a transfer from another bank account instead of depositing cash or a check. The banker will set up the transfer, and the funds typically arrive within 1 to 3 business days, depending on the other bank.
What if I do not have a Social Security number?
You will need either a Social Security number or an Individual Taxpayer Identification Number (ITIN) to open a checking account. Bring whichever document you have to the branch. If you have neither, contact Truist directly to discuss your options.
Can I open a joint checking account online?
You can start the application online, but both account holders must visit the branch in person with their own photo IDs to complete the opening. The banker will verify both identities before activating the joint account.
How long does it take to receive my debit card?
Some branches issue a debit card immediately when you open the account. Others mail it to you, which typically takes 7 to 10 business days. Ask the banker at the branch which option applies to your account.