Posted by William Charles on September 13, 2016
Bank Account Bonuses

Published on September 13th, 2016 | by William Charles

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BB&T $100 Checking Bonus [AL, DC, FL, GA, IN, KY, MD, NC, NJ, OH, PA, SC, TN, TX, VA, WV]

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: AL, DC, FL, GA, IN, KY, MD, NC, NJ, OH, PA, SC, TN, TX, VA, WV
  • Direct deposit required: Yes, no minimum specified
  • Additional requirements: Yes, see below
  • Hard/soft pull: Soft pull It seems like they are very persistant about overdraft protection so make sure you don’t opt in for that
  • ChexSystems: Unknown 
  • Credit card funding: Up to $250
  • Monthly fees: $5-$30, avoidable
  • Early account termination fee: $25, 180 days
  • Expiration date: November 30th, 2016 Decemebr 31st, 2016

The Offer

Direct link to offer

  • Open a new BB&T personal checking account with the promotional code ANRAF and use U by BB&T and you’ll receive $25 for each feature you try. In total there are four features to try for a maximum total of $100. You must complete these within 90 days of account opening
    • Pay a friend (using personal payments service)
    • Pay a bill (using BB&T bill payment service)
    • Redeem a deal (select and redeem an offer in the BB&T Deals tile)
    • Receive a direct deposit (enroll in and receive a direct deposit)

bbt

The Fine Print

  • This special limited-time offer is only available for personal checking accounts opened online at BBT.com before November 30, 2016.
  • 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.
  • To receive an account-opening incentive of up to $100, clients must open a personal checking account at BBT.com and use certain features of U by BB&T within 90 days of the account opening date. Client will earn $25 for each of the following features used. If all four features are used, client can earn $100. Qualifying behaviors are 1.) Make a payment using the Personal Payments service; 2.) Make a payment using the BB&T bill payment service; 3.) Select and redeem an offer in the BB&T Deals tile; and 4.) Enroll in and receive a direct deposit to the new personal checking account
  • 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 180 days of account opening.

 

Our Verdict

They have offered bonuses of $125 and $150 in the past (smaller footprint). The upside to this bonus is that you can receive at least most of it without needing a direct deposit and you can fund up to $1,500 with a credit card. The downside is that it’s only for a maximum of $100 and I’m not sure how difficult the direct deposit or redeeming the deal will be. Until we have a bit more information I’m not going to add it to our list of recommended bank bonuses.

Useful posts regarding bank bonuses:



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mmgfarb
mmgfarb

Since the T&C’s say “one per household” I could technically open one account in OH and one in MD and get the bonus on both even though they would both be opened by me, correct?

Andrew
Andrew

Different states have different checking account options. For example, PA (where I am) has a ‘Back to Basics’ checking option with no monthly fee that qualifies for the bonus.

John
John

DP: Citi Hilton credit card cannot be used to fund the account

John
John

Error message is: Your debit card must be linked to a checking or savings account. Prepaid debit cards may not be used.

John
John

The transaction went through. Please delete the comments. Thanks

JP
JP

I thought BB&T was a hard credit pull.

Jeff
Jeff

I know in 2014 it wasn’t a hard pull when I opened a BB&T checking account in VA. But, I have seen at least one person on this site that said BB&T was a hard pull since then. I have to wonder if they opted for the overdraft protection. I imagine someone on here will jump on this bonus and post the result.

mrredskin
mrredskin

i used citi hhonors reserve with $0 cash advance limit to fund the $1500

Alfred
Alfred

Doc, BB&T has lots of presence in GA. not sure why it is not listed as eligible state?

Dave
Dave

Does anyone have any data points of being able to fund with an Amex card? Specifically the business reward gold?

shashi
shashi

I would like to know this as well..

Jay
Jay

DP:
Opened and successfully funded as purchase 1.5k w/ CSR, entire process took fewer than 5 minutes…

No hard pulls on TU and EQ at least, and I won’t be able to check EX until a couple of weeks later.

Jay
Jay

Update: No hard pull on EX either. So no hit for me in TX

diomaiuti
diomaiuti

I applied for the Bright Banking option in MD and was not given the choice of funding the account with a CC. Only ACH from another bank, debit card, check, or in-person deposit at a branch. 8-(

Jay
Jay

Actually, I’m pretty sure that’s what it claims no matter which state your address is in (I applied with a TX address, and it was pretty clear about only allowing “debit cards attached to a checking/savings account”), but it will still succeed even if you use a credit card when selecting the debit card option (I used my new CSR).

Pretty sure this was also mentioned long ago on DoC’s CC funding page:
https://www.doctorofcredit.com/does-funding-a-bank-account-with-a-credit-card-count-as-a-purchase-or-cash-advance/#BBT

Benjamin
Benjamin

It is a hard pull in NJ…Called their rep…

allmail
allmail

Is it safe to fund it with Citi Double Cash?

Jay
Jay

Crap, I just realized that the BB&T Deals portion of the bonus requires a debit card, which was one of the features that I removed when I applied for the account…

Guess I’ll have to call them up lol

Jay
Jay

Looking at the wording of the description in the BB&T Deals section, it looks like deals will not be populated at all until you put some spend on the debit card, at which point you might get some targeted deals. Also, “The more you shop, the more cash back deals we’ll send you.”

Doesn’t really sound like it’s worth $25 minus tax anymore, since I doubt tiny Amazon GC payments would trigger the appearance of any deals.

Sam
Sam

Opened checking and Saving account online and Funded $1500 in each account using Chase Sapphire Preferred. Got an error for the first attempt. Called Chase to resolve it and placed a large purchase note on my account for the upcoming BB&T purchase. Tried again a day later and account funded successfully.

dan
dan

not able to fund a savings acct with CC anymore; visa & mc option is there, but msg stated that can’t validate the funding info

also, on the dd, can or will a bank xfer work? or has to be a real DD? Thx

dan
dan

nvm about the CC funding, called US bank Flexperks to learn that BB&T ran it as cash while my limit is below $1500. was anyone able to fund with the Flexperks Visa before?

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