Offer at a glance
- Maximum bonus amount: $150
- Availability:Â GA only
- Direct deposit required: One statement cycle with combined direct deposits of $500+
- Additional requirements: Three bill pays of $25+
- Hard/soft pull: Soft pull
- Credit card funding: Up to $1,500
- Monthly fees: $10, waiveable
- Early account termination fee: $25, if closed within 180 days
- Expiration date: February 29th, 2015
The Offer
- Receive a sign up bonus of $150 when you open a BB&T and complete the following requirements:
- use the BB&T bill payment service to initiate 3 online bill payments in the amount of at least $25 each
- have 1 statement cycle with combined direct deposits of at least $500
The Fine Print
- Offer cannot be combined with any other offer
- Offer is limited to one incentive per household and does not apply to second or multiple personal accounts
- Any account not in good standing, closed, and/or with a balance less than or equal to zero at the time we review account eligibility (between 75-120 days after account opening) will not receive the $150 incentive
- All bank account bonuses are treated as income/interest and as such you have to pay taxes 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 180Â days of account opening.
Our Verdict
This is better than the $125 offer they have had in the past (this was also open to a lot more states), that being said it’s still not good enough to make our best bonus list because we don’t know what else will trigger the direct deposit requirement. You can view all of the current bank bonuses by going here.
BB&T also have a credit card that can earn up to 4.05%.
Hat tip to Fiby
