Yes, you can open a BB&T checking account online, but the process depends on which bank you're dealing with

BB&T was acquired by SunTrust in 2019, and the two banks merged under the name Truist in 2020. If you're looking to open an account with what was BB&T, you're actually opening a Truist account now. Truist does allow you to start the account opening process online, though you may need to visit a branch or complete a video call to finish it, depending on the account type and what documents you have on hand.

The reason for this mixed online-and-in-person approach is that banks need to verify your identity in real time. They can do some of this through your computer or phone, but not all of it. Understanding what Truist requires upfront saves you time and frustration.

Key Takeaways

  • BB&T merged with SunTrust in 2020 and is now called Truist, so you'll be opening a Truist account, not a BB&T account.
  • You can start the account opening process on Truist's website, but you may need to complete identity verification in a branch or through a video call.
  • Truist offers several checking account types with different features and minimum balance requirements, so choose the one that matches how you plan to use it.
  • You'll need a government-issued ID, your Social Security number, and proof of your current address to complete the process.

What documents you need before you start

Gather these items before you begin the online process. You'll need a government-issued photo ID — a driver's license, passport, or state ID card. You'll also need your Social Security number and proof of your current address, which can be a recent utility bill, lease, or bank statement dated within the last 60 days.

If you don't have a recent address document, some Truist branches will accept other forms of proof, like a phone bill or insurance statement. Call your local branch ahead of time to ask what they accept, rather than showing up with something that might not work.

Have your information ready to type in — your full legal name, date of birth, phone number, and email address. If you're opening a joint account with someone else, you'll both need to be present for identity verification, whether that happens online or in a branch.

How the online process works at Truist

Go to Truist's website and look for the "Open an Account" or "New Accounts" section. You'll fill in basic information about yourself and choose which type of checking account you want. Truist offers several options — the most common are their basic checking account and their interest-bearing checking account, which pays a small amount of interest on your balance.

After you submit your information online, Truist will tell you whether you can complete the rest of the process digitally or whether you need to visit a branch or do a video call. This depends on factors like your location, your credit history, and whether Truist can verify your identity through its online system.

If you're approved to finish online, you'll set up your username and password, choose your debit card design if offered, and review the account terms. The account usually opens within a few minutes, and you can start using it right away, though it may take a few business days for your debit card to arrive in the mail.

When Truist will ask you to visit a branch

Some people can't complete the entire process online and will be asked to come to a branch to finish. This typically happens if Truist's system can't verify your identity through the online tools, which can occur if you're new to the country, have limited credit history, or if there's a mismatch in your information.

If this happens to you, don't worry — it's not a rejection. Bring your government ID, Social Security number, and proof of address to the branch, and a banker will help you complete the account opening in person. This usually takes 15 to 30 minutes. You'll leave with your account open and information about when your debit card will arrive.

Some Truist locations also offer video verification as an alternative to visiting in person. Ask when Truist contacts you whether this option is available for your situation.

Different checking account types at Truist

Truist offers more than one checking account, and the one that makes sense for you depends on how you plan to use it. Their basic checking account has no monthly fee if you maintain a minimum balance — the amount varies by location and account type, so ask what it is for your branch. If your balance drops below the minimum, you'll pay a monthly fee, usually around $12 to $15.

Truist also offers checking accounts with interest, meaning your money earns a small return while it sits in the account. These accounts may have higher minimum balance requirements or require you to meet other conditions, like setting up direct deposit or making a certain number of debit card purchases per month.

Before you choose, think about whether you'll be able to keep the minimum balance. If you're not sure you can, ask about accounts with no minimum or a very low one, even if they don't pay interest. Paying a monthly fee because you fell short of a balance requirement costs more than the interest you'd earn anyway.

What happens after your account opens

Once your account is open, Truist will mail your debit card to the address you provided. This usually takes 5 to 10 business days. While you wait, you can set up direct deposit of your paycheck or transfer money from another bank account to start using your new account.

You can also set up online bill pay through Truist's website or mobile app, which lets you pay bills directly from your checking account without writing checks. If you need cash before your debit card arrives, you can visit any Truist branch and withdraw money using your account number and ID.

Truist's customer service is available by phone, through their website, or at any branch if you have questions after your account opens. Keep your account number and routing number in a safe place — you'll need them to set up direct deposit or to give to employers and other organizations.

Frequently Asked Questions

Do I have to open the account in a branch, or can I do it completely online?

You can start online, but whether you finish online depends on Truist's ability to verify your identity through their system. Many people complete the entire process online, but some are asked to visit a branch or do a video call. Truist will let you know which applies to you after you submit your initial information.

What if I don't have a government ID?

You'll need a government-issued photo ID to open a checking account at any bank, including Truist. If you don't have one, you can get a state ID card from your state's DMV office. This is separate from a driver's license and is available to people who don't drive. Contact your local DMV to find out what documents you need to bring.

Can I open an account if I'm not a U.S. citizen?

Yes, but you'll need an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number, and you'll likely need to open the account in a branch rather than online. Bring your passport or other government-issued ID, your ITIN, and proof of address. Call your local Truist branch first to confirm what documents they need.

How long does it take to get my debit card?

Truist usually mails debit cards within 5 to 10 business days of account opening. If you need cash sooner, you can visit any Truist branch and withdraw money using your account number and ID, even before your card arrives.

What's the difference between Truist and BB&T?

There is no difference — BB&T is now Truist. The two banks merged in 2020, and all BB&T accounts and branches became Truist. If you had a BB&T account before the merger, it's now a Truist account, and you can use any Truist branch or ATM.