Posted by William Charles on July 20, 2019
Bank Account Bonuses

Published on July 20th, 2019 | by William Charles

183

BB&T $200 Checking Bonus – Direct Deposit Not Required [AL, DC, FL, GA, IN, KY, MD, NC,  OH, SC, TN, TX, VA, WV]

Update 7/20/19: Deal has been extended until 9/30/19 AVMFZ

Update Deal has been extended until August 8th, 2019.

Update: Deal has been extended May 23rd, 2019. Use promo code AVCFZ or AVDFZ. Hat tip to reader Jay.

Update: Use promo code AVGFZ. If you already applied without a promo code it’s recommend you call in to get the promo code added to your account. Hat tip to reader Matt.

In the past a promo code has automatically applied, but that doesn’t seem to be the case this time so not sure if there is an issue there or not

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: AL, DC, FL, GA, IN, KY, MD, NC,  OH, SC, TN, TX, VA, WV
  • Direct deposit required: Optional
  • Additional requirements: 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: Yes, not sensitive
  • Credit card funding: Up to $250 (says debit card only, but credit cards will work)
  • Monthly fees: $12, avoidable
  • Early account termination fee: $25, 180 days
  • Household limit: One
  • Expiration date: March 14th, 2019 May 23rd, 2019

The Offer

Direct link to offer

  • BB&T is offering a bonus of $200 when you open a Bright Banking checking account by March 14th, 2019, use promo code AVCFZ or AVDFZ and complete one of the following requirements:
    • Enroll and receive two direct deposits of $100 or more each
    • Use U By BB&T bill pay to initiate three online bill payments of $25 or more

 

The Fine Print

  • BB&T associates are not eligible. Not available in Pennsylvania or New Jersey. All applications are subject to a credit history review and approval.
  • Offer is available for new BB&T clients who open a BB&T retail checking account.
  • Normal minimum opening balance requirements apply.
  • Offer is limited to one incentive per household and does not apply to second or multiple personal accounts.
  • To receive the $200 incentive, clients must open a checking account online at BBT.com, in a BB&T financial center or through BB&T Phone24 before March 14, 2019, and within 75 days of account open date either: 1) Use U by BB&T® bill payment service to initiate three online bill payments of $25 or more each from the new checking account OR 2) Enroll in and receive two direct deposits of $100 or more each to the new personal checking account.
  • Any account not in good standing, closed or with a balance less than or equal to zero at the time we review account eligibility (between 76-90 days of account opening) will not receive the $200 incentive.
  • Accounts are reviewed once.
  • Incentive will be paid within four weeks of account eligibility review.
  • Nonresident alien clients must also submit a valid Form W-8, NRA Certification Statement and a copy of their passport to BB&T by the time the account is reviewed for incentive eligibility. Form W-8 and NRA Certification forms are available from any BB&T financial center.
  • You must be a new BB&T personal checking client and must not have closed a BB&T personal checking account since March 15, 2018
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Bright Checking 

This account has a $12 monthly fee, this is waived if you do either of the following:

  • Receive a direct deposit of $500 or more
  • Have an average daily balance of $1,500 or more

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

When going through the account opening process, it does ask for a promo code and no promo code is automatically filled but I don’t see anything about that on the application page so not 100% sure how it all works. Previously some states have offered $150 and others have offered $200. If this is available in all states listed and doesn’t require a promo code then this is a good bonus and I’ll add it to the best bonuses currently available but it’s not clear if that’s actually the case. As always share your experiences in the comments below.

Hat tip to reader Ray

Useful posts regarding bank bonuses:



183
Leave a Reply

avatar
 

  Subscribe  
newest oldest most voted
Notify of
Ron
Ron

Why is NJ and PA specifically specifically ineligible for this bonus any idea?

MICHAEL P CORCORAN
MICHAEL P CORCORAN

I live in NJ and was told I was eligible for the $200 bonus. I will update once I receive the bonus.

missjenniferd1
missjenniferd1

wow doc, you are on fire this morning, im gonna do this one too!!!

Mimi
Mimi

For those outside of their footprint, know that there is a dropdown menu asking you for the state you reside. If you choose one of those, you CANNOT change the state when you get to the page where you input your address. I hope this helps someone knowing its not like other banks that you can change your address and state during the application process.

Meh
Meh

I have a house in TN but reside outside the footprint.
Can I give the house address as prim address and residence as alternate address and send prop tax doc if they need proof of location?
Will I need to pick up essential mail (I’ll decline debit card) from the house for this account?

Mimi
Mimi

IME experience, if (BIG IF) they want to verify one’s address, they don’t ask for property tax documents but a pic ID showing your personal info and address, usually a DL. If you have such ID plus a utility bill showing your name and address, that’s what most, if not all banks ask for. If I were you, I won’t decline a DC, there are times they ask the numbers, exp date and CCV to verify you’re the account holder.

missjenniferd1
missjenniferd1

opened successfully. in east tennessee (knoxville area), and they are NOT chexsensitive. have about 20 new accounts. been declined for chex on 2 of them, but was approved for this bb&t.
acct and routing # is provided on last page after approval.

Andrew D
Andrew D

Local churner. Haha. Bearden area here

missjenniferd1
missjenniferd1

hello neighbor!! Andrew D im actually in oak ridge. you are the one who posted the firstbank deal right? im doing that one too!!! thanks for sharing!!

Andrew D
Andrew D

Yep

Tommy B.
Tommy B.

East TN (Athens) resident here as well and curious what you did about the “code”?

missjenniferd1
missjenniferd1

Tommy B. i applied yesterday, and this offer didnt include a code, so i didnt use one. but according to other posts on this thread, they called and asked if a promo was attached to their account, and the answer was no. so i called the 1800 in my email, and asked same, and was also advised no, so i asked if they could attach the code AVGFZ (a previous offer code that is exactly the same and expires 3/29/19) it took about 5 minutes to have them add the promo code. the # is (800-226-5228) and promo code for the $200 bright banking is AVGFZ

Tommy B.
Tommy B.

Thanks!

Brad M
Brad M

Same with all of the above. I got a bit of the run-around with the promo code but was told to call back and specify the terms of online/ in branch in the morning. It sounded like they were happy to get it locked in before the 14th.

missjenniferd1
missjenniferd1

cant believe it, they tell me now i didnt receive the bonus bc promo wasnt attached, and have to call monday to see what can be done…. sigh…

Nate
Nate

Anyone have experience with the household limit? My wife got a mailer about 3 months ago and got the bonus, wondering if it’s worth a shot for me.

missjenniferd1
missjenniferd1

at the bottom of the page it says:
Offer is limited to one incentive per household and does not apply to second or multiple personal accounts.

Alys Holden
Alys Holden

what if we had BB&T accounts in the past.. ?

missjenniferd1
missjenniferd1
Sevillada
Sevillada

what CCs work for funding, visa and MCs? all of them or only some? any amex?

el_pistolero
el_pistolero

Again, this promo doesn’t specify requirements about old customers. I closed my account in june, 2018 not sure if i m eligible for this!

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Offer is available for new BB&T clients who open a BB&T retail checking account.

At first glance I thought so too. But “new” leads me to think its not churnable.

missjenniferd1
missjenniferd1

at the bottom of the offer page:
Offer is limited to one incentive per household and does not apply to second or multiple personal accounts.
if you didnt receive an incentive, then i think you’d qualify. if you DID, then it seems you would be excluded.

IS250
IS250

According to @gadget there’s usually a 12 month wait to get a new bonus. YMMV.

Gadget

LOL… thanks. I was just going to say something like that. They took it out of the terms, about not having had a checking account opened within a year. So, does that mean they don’t care anymore? Or does it mean the opposite… you have to be NEW and never had an account ever. Time will tell.

Gadget

Oops… wrong e-mail address. But it’s still me.

Shawn
Shawn

So what is consensus? 12 months from bonus posting or be the data point you want to see?

LAG
LAG

Nate missjenniferd1 Dan - Legal Bank Robber
I saw the various posts about the household/multiple bonus questions & thought I’d share my plan.

I saw at least one DP in prior bonus threads which indicated the restrictions seemed to be based on the calendar year:
https://www.doctorofcredit.com/pa-nj-only-bbt-150-checking-bonus-direct-deposit-not-required/#comment-613202

I previously open an account (5/2018), received the bonus (9/2018) & closed the account (11/2018), but my SO did not do to the household restriction and DPs at the time, so I’m going to sign up SO using this link & hopefully I’ll be able to return with another positive DP.

Gadget

+1 I think I am sending in S.O. on this one. Exact same boat – she never had an account with BB&T and I have been churning them annually.

missjenniferd1
missjenniferd1
LAG
LAG

None of the recent terms include that language & conflicting DPs suggest that it may work, so definitely still worth the attempt considering I’d have to wait 8 months before I’d be at 12 months since last household account anyway.

I’ll update post to confirm DP later

missjenniferd1
missjenniferd1

good luck, i hope it works. it seems if they remove the language, then you should be eligible then, i’m not sure how they could refuse it, except by the household language,

“Offer is limited to one incentive per household and does not apply to second or multiple personal accounts.”

but gadget says he does it once per year and it works, so its definitely worth a try for the dp.

Gadget

The DP was a little vague. Not saying it’s wrong, but I am not going to have P1 & P2 accounts open at the same time. And, DP stated it could have been something else. Still debating if I will bother to throw in SO’s app.

That’s the really annoying thing here is the lack of documentation. BB&T sends out codes via snail mail, but doesn’t publish the details. I have been playing around with URL’s and getting all kinds of working links – but no clue what the terms are. bbt.com/bright(any letter up to F) and /welcome(letter) and others work and show a promo code.

The question is how long does it take to become a “new” customer. I had been leaving a full year from last closing date to try again, and worked in 2014, 2017 & 2018.

Promo (Prehistoric bonus, before my spreadsheet.)
Open 2/14
Bonus 6/14
Close 8/14?

Promo
Open 12/16
Bonus 4/17
Close 6/17
Also, Opened and closed a savings in 2017 for CC funding. 3/17 – 9/17.

Promo
Open 6/18
Bonus 9/18
Close 1/19

scott
scott

Why does the headline say, “Direct deposit not required” when the requirements state that 2 direct deposits are required?

Never mind–I just figured it out.

Frank
Frank

no Promotion code, so how can we confirm that we can get the bonus?

I checked that if you use regular website to get into the application page, they use the same url. lol

Alex
Alex

Are you going to call them and ask?

Frank
Frank

Maybe? Why not? lolololoolololo

Gadget

Frank William Charles +1 I too am concerned about this. I would use the other BB&T link/article on DoC before this one because it pre-fills the promo code. Every BB&T bonus I have seen always came with a 5 letter code. This one is blank. That’s very concerning.

For those that use this link, I would contact BB&T immediately once the account is open and ask if you were enrolled in a promo. If or when they see no code attached, I imagine the first question they are going to ask you is what was the code, and maybe where did you get the promo code that you thought you used? I would give them AVGFZ… but it actually has a different expiration of 3/29.

missjenniferd1 LAG Alex

missjenniferd1
missjenniferd1

Gadget wow, i wish i had seen the other promo, that has the code AVGFZ, i am not sure why i missed that one, but i would rather have the code than not…..sigh, plus the fact that i had my 65 year old mother open an account as well, and it’s hard enough to get her to do anything, and now i’ve got to have her call them and give them the promo code, or at least make sure it’s attached. thanks gadget, good advice….

ken
ken

Any more data points what counts as DD? Only Charles Schwab is listed on List of Methods counted as DD page.

escot
escot

Had the same question, especially as to keep this account fee-waved, you need to have $500 direct deposits each month (or waste/park 1,5000 daily balance)…. and do it for six months.

Appreciate the effort, but like so much of this direct deposits page, the data is either very dated, the notes go to broken links, or in this case (for a major regional bank) is quite thin…. (e.g., less than helpful)

ps, I wouldn’t think of this promo as not requiring a direct deposit…. Maybe not to get the opening $200, but to avoid $72 in 6 monthly fees, yes, you do need a direct deposit. (unless you’re content parking 1500 there for six months, earning nothing)

L
L

ken I used Capital One 360 for DD as recently as Dec. 2018. BB&T didn’t charge me a monthly fee. I’m not sure if that counted for the bonus because I did bill pays too, to be on the safe side.

C
C

Any thoughts if a prior business account using ss# as tax Id will disqualify?

LD
LD

The application is giving this error message right now: “Unfortunately, we are currently experiencing unexpected technical difficulties and are unable to continue the online application process at this time. Please excuse the inconvenience as we work to restore our service. You may try again later, or visit your local BB&T financial center to apply in person.”

Alys Holden
Alys Holden

BEWARE: This bank closed my account for no reason 5 days after opening it, without telling me. I had to file a CFPB complaint just to get my money back. This was just last month.

Liz
Liz

Same thing happened to me

Matt
Matt

This link does not apply a promo code. I applied yesterday through this link and after speaking with them this morning, there was no promo associated with my account. They will add the promo code for you. I used AVGFZ. DoC you may want to make a note.

A M
A M

This makes sense, given that the link is just a generic link. Thanks for the tip. I’m using the old link posted in DoC’s post from February (?)

missjenniferd1
missjenniferd1

thanks for sharing this Matt i’m going to call them now and do the same. William Charles Chuck

missjenniferd1
missjenniferd1

i called the 1800 in my email, took about 5 minutes to have them add the promo code. i feel better about having the promo code, even though the other offer doesnt specify a promo code, i would just rather have one.if others are wanting to do the same, the # is (800-226-5228) and promo code for the $200 bright banking is AVGFZ

Chris
Chris

Called the 800-226-5228, spent 10-20 mins with the menu options, just could NOT speak to a human being without the security code (after entering the SSN, it asked for the security code). Where did you guys get the security PIN from? I don’t see it in my email.

missjenniferd1
missjenniferd1

it wasnt asking me a security pin? i just chose checking option

Adan
Adan

For those of you who have opened the account without the code, this is the number to call to have it added: 18005754647. It’s for new accounts.

Back to Top ↑