[Expired] BB&T Checking Sign Up Bonus Of $125, Direct Deposit Not Required. Expires April 30th, 2014 [AL, DC, FL, GA, IN, KY, MD, NC, SC, TN, TX, VA, WV Only]

This offer is now expired. Click here to view a full list of current bank sign up bonuses.

The Offer

Direct link to offer

• Receive $125 when you open any checking account with BB&T and complete at least one of the following:
  • Complete at least three BB&T OnLine® bill payments over $25 within 90 days of account opening OR
  • Receive two direct deposits (minimum of $100 each) within 90 days of account opening

The Fine Print

• Valid from 1st January, 2014 until April 30th, 2014
• Only available to customers in the following states: AL, DC, FL, GA, IN, KY, MD, NC, SC, TN, TX, VA or WV
• One per household
• Bonus will be reviewed for eligibility 90-120 days after account opening
• Account must be in good standing, open and have a positive balance for the bonus to be paid
• Bank account bonuses are treated as interest and as such you must pay tax on them

Avoiding Fees

The monthly fees will vary slightly based on what state your living in. We suggest checking this before choosing your account. Most people will be best off going for the Bright Banking account and then using one of the fee waivers, unless you’re a student or senior in which case those accounts will be the best option.

BB&T Bright Banking® $10 monthly

You can avoid the monthly fee on this account if you meet any of the following requirements:

• Receive $500 or more in direct deposits
• Have an average monthly balance of $1,500 or more
• Have $6,000 or more in combined deposits in checking, savings, Money Rate Savings, Investor’s Deposit Accounts
• Have an outstanding personal mortgage with BB&T

BB&T Fundamentals Checking $5 monthly

It’s not possible to get this monthly fee waived.

BB&T Identity Protection® Checking $6 monthly

It’s not possible to get this monthly fee waived. If you want free identity theft insurance we suggest looking at Credit Sesame (also gives you access to a free FAKO credit score).

BB&T Student Banking $0 monthly

This account does not have a monthly charge if you choose to receive paperless statements. If you choose to receive paper statements you’ll need to pay a monthly fee of $3. You must be under 23 and a student to be eligible for this account.

Senior Checking $8 Monthly

You can avoid the monthly fee on this account if you meet any of the following requirements:

• Receive $500 or more in direct deposits
• Have an average monthly balance of $1,000 or more
• Have $6,000 or more in combined deposits in checking, savings, Money Rate Savings, Investor’s Deposit Accounts
• Have an outstanding personal mortgage with BB&T

Elite Gold $30 Monthly

You can avoid the monthly fee on this account if you meet any of the following requirements:

• $25,000 combined deposit balance in checking, savings, CDs, IRAs, Money Rate Savings, Investor’s Deposit Account, or investments through BB&T Investment Services, Inc.
• $25,000 combined outstanding balance in retail loans and lines of credit3
• $150,000 BB&T personal mortgage loan balance

Early Account Termination Fee $25

All accounts come with a $25 early account closure fee if you close them within 90 days of account opening.

Our Verdict

• Opening this account is a soft credit pull
• You cannot fund this account with a credit card
• We’re unsure what qualifies as a direct deposit apart from a employer payment or government benefit. Although direct deposit isn’t required to trigger this bonus

This looks like a great deal for those who are in the service area of BB&T. Unfortunately I’m not in this service area otherwise I would definitely be doing this deal. It’s nice that you don’t need to bother with direct deposits. You can also choose to pay the $5 monthly fee if you don’t have the $1,500 required to keep the bright banking account fee free.

You should be able to receive this bonus if you’ve held a BB&T account previously but haven’t held one in the last year: 1

Easiest Way To Meet The Bonus Requirements

• Open a BB&T Bright Banking® account
• Fund it with $1,575 (this will avoid the any monthly fees whilst giving you $75 to cover the three bills that need to be paid over $25)
• Pay three regular bills you have that are $25 or more (making sure you keep your balance at $1,500 or above to keep the account fee free)
• Wait for your bonus to post
• Ensure it’s been more than 90 days since the account was opened to avoid the early account termination fee
• Close account

Will you be doing this bank account bonus deal? If so, let us know in the comments with how you’ve gotten on so far. 

Direct offer link | Screenshot of the offer