Posted by William Charles on June 21, 2019
Bank Account Bonuses

Published on June 21st, 2019 | by William Charles

103

[Expired] BB&T $300 Checking Bonus – Direct Deposit Not Required [AL, DC, FL, GA, IN, KY, MD, NC, OH, SC, TN, TX, VA, WV]

Deal has expired, view more bank account bonuses by clicking here.

Offer at a glance

  • Maximum bonus amount: $300
  • 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: Yesnot 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: August 8th, 2019

The Offer

Direct link to offer

  • BB&T is offering a bonus of $300 when you open a new Bright Banking checking account using promo code AWZGB or AWYGB and complete one of the following requirements within 75 days of account opening:
    • Set up and receive at least two monthly direct deposits of $100 each
    • Complete three online bill payments of at least $25 each

The Fine Print

  • Offer valid for new BB&T Bright Banking® Checking accounts opened online at BBT.com, in a BB&T financial center or through BB&T Phone24 from May 24, 2019, through August 8, 2019.
  • Enrollment in the promotion, using code AWZGB or AWYGB, is required at account opening. Offer is limited to one incentive per household and does not apply to second or multiple personal accounts.
  • To be eligible to participate in the promotion, you must be a new BB&T personal checking client and must not have closed a BB&T personal checking account since May 23, 2018.
  • Clients with an existing personal checking account with BB&T (either as primary or secondary account holder) are not eligible. The primary account holder must be 18 years old or older at the time of account opening.
  • To receive the $300 incentive, clients must do one of the following within 75 days of account opening: 1) Set up and receive at least two monthly direct deposits of $100 each OR 2) Make three online bill payments of $25 each or more using U by BB&T.
  • 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 $300 incentive.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

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

Previously we’ve seen bonuses of $200 or even up to $400. The requirements for the $400 bonus were much more difficult to meet and it was much harder to keep the account fee free so I do think this current $300 bonus is the best we’ve seen. Keep in mind BB&T and Suntrust are merging to become Truist Bank, SunTrust has a checking bonus for up to $750, so might be worth doing both of these before the merger. I will be adding this BB&T bonus to the list of the best checking bonuses available.

Hat tip to readers David W, & Andrew D

Useful posts regarding bank bonuses:



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Brandon
Brandon

Dam just did the 200 one! Super easy bonus and easy to keep fee. Transfer in 250 2 times in one month then use that to pay CC bill ( in 3 separate transactions). After that just 500 monthly and use bill pay as normal for 180 days til close

JV
JV

i did the $200 (or $150 one) on all 3 players awhile ago. Super bummer

AKJohnny
AKJohnny

did you get multiple bonuses at the same address?

Jacob
Jacob

^^^

KC
KC

Does this mean same address is okay? I just got $200 for me…want to try $300 for my wife, but same address

robustm
robustm

I am in the same boat. Did you apply? Anybody can confirm if this new bonus works for a second household?

Gadget

AKJohnny KC robustm My S.O. and I got a BB&T checking bonus within months of each other, but different promo codes, from same home address, but about a month apart from my acct close and her acct open. We do have different last names. I would still try it even if married/same last name, they probably just don’t accept the same code from two+ peeps. Soon (in 6 months) they will be “Truist” and who knows what the rules will be. Hail Mary time!

https://www.doctorofcredit.com/bbt-200-400-checking-bonus-direct-deposit-optional-ymmv-al-dc-fl-ga-in-ky-md-nc-nj-oh-pa-sc-tn-tx-va-wv/#comment-767411

JV
JV

2 were at the same address. didnt have a problem and i get to close them here soon. must not have read 1 per address

escot
escot

Say Brandon, could you clarify a bit here from your experience? What “transfers in” have worked for you to avoid the monthly fees? (presume you were referring to something other than direct deposits from an employer)
Thanks.

Bonus_Chaser
Bonus_Chaser
escot
escot

thanks for the reply, but still not seeing it. I may be dense here, but my “simple” question is what counts for the direct deposits to wave the monthly fees — that is AFTER the opening promotion. That’s not addressed anywhere that I can see in the post — nor frankly in any of DoC’s otherwise useful guides to what qualifies as a direct deposit.

In my WF accounts, I happily discovered on my own that ach transfers from my gift card reselling activities counted as DD’s for avoiding monthly fees — even as they would not have counted for DD to earn opening bonuses.

I’m guessing this distinction is widely understood in practice (and seems evident in Brandon’s less than precise comments which triggered my question)

Bonus_Chaser
Bonus_Chaser

So far, $500+ “DD” from Chase is working for me to avoid monthly fees escot

767
767

Have any NY residents tried to apply? The only residency restriction that I see is not available in NJ and PA.

Mimi
Mimi

here’s more info under Disclosures;

If your state is not listed above, you may be located outside of our service area. For questions about our service area, please contact us at 800-BANK-BBT (800-226- 5228).

You’re welcome : )

K F
K F

I applied in branch today (happen to be in a BB&T State) and opened with US Passport and NYS driver’s license. No problems yet, I have app / online access.

Nate
Nate

Does the 1 per household apply if p2 did a 200 bonus 4 months ago?

AKJohnny
AKJohnny

I’m thinking they are 2 different with 2 different codes

Mel
Mel

@ Doc – are you aware of any DPs on this one? Couldn’t find anything clear in other BB&T threads.

Sam
Sam

P1 bonus OK, attempted P2 with a different code- received “unable to open account online at this time,…go to a branch”

BL
BL

Is this state restricted not seeing info on states limitation on direct link.

Kyle ♥
Kyle ♥

Look harder. “We require you have residency in at least one state within the BB&T footprint”

Jay
Jay

Be warned that BBT will hit you with a monthly service fee in the second month the account is open if you don’t do the DD or balance requirements to wave the fee. I figured they would have a little grace period of 2 or 3 months and got charged the fee approx. 40 days after I opened the account.

Just did the $200 dollar version and got the bonus a few days ago. Dang my timing sucks.

The timeline:
3 21 opened
4 3 DD made
4 6 bill pay one
4 6 bill pay two
5 8 maintence fee :[
5 10 DD done
6 15 bonus payout :]

Gigabyte
Gigabyte

Sometimes I’m a bit lazy in keeping up with these account minimum requirements on time. Thanks for the heads up!

Stan
Stan

big if truist

Stan
Stan

i did the 200 bonus and it was pretty easy.
then i got the bb&t travel rewards card. $200 worth of points for $2000 spend. HOWEVER, i just noticed this week, the points are worth 75% MORE when redeemed for hotels.

Jim
Jim

Can your credit report be frozen and get approved? Wasn’t sure if a soft pull also required for the credit report to be unfrozen

Todd
Todd

My credit report is frozen and it is making me come into a branch to set up.

Mimi
Mimi

For those w/o a branch near them, take note of this fine print:

Disclosures

1 We require you have residency in at least one state within the BB&T footprint.

If your state is not listed above, you may be located outside of our service area. For questions about our service area, please contact us at 800-BANK-BBT (800-226- 5228).

Although two states: NJ and PA are explicitly mentioned, this fine print gives add’l information.

LC
LC

bypassed this by going in branch this weekend

HP
HP

LC , were you able to sign up for this offer using the promo code above and were the bankers aware of the promotion?

Lc
Lc

Yep.he gave me details the the promo

LC
LC

i guess ill see if i get the bonus, but im fairly confident.

jenbooks
jenbooks

What qualifies as direct deposit?

Nick
Nick

I’m unclear – what’s the difference between the two codes?

Jack
Jack

I went through the process, but at the end it had a disclosure about reviewing credit report. I don’t care about a soft pull, but in no way would I want a hard inquiry for this. I am in Virginia, did not say I wanted any overdraft protection. I know the overview says Soft PUll, but would love some others to confirm. Thank you!

Kor
Kor

Bummer, I applied for $200 bonus couple weeks ago. Are they known to bonus match and/or would they be able change the promotion code to this one?

Balu
Balu

i opened my BB&T bright checking account using promo code AWZGB.It’s easy online, even you can setup debit card PIN.i used my Barclay Arrival plus card for $250 funding and it’s coded as purchase.
any idea,is paying credit card through BB&T account will be considered Bill pay??

Fred
Fred

No reason it would not. Just make sure you’re paying through the Bill Pay interface for your BB&T deposit account.

Eric
Eric

Can it accept amex credit card as the funding source?

Kate
Kate

Visa and MC were only available for me

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