[Targeted] BB&T $100 Checking Bonus Direct Deposit Not Required [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: Optional, 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
• Household Limit: One per household
• Expiration date:March 31st, 2017

The Offer

No direct link, note the offer states: This offer is intended for select BB&T loan clients without a BB&T checking account.

• Open a new BB&T personal checking account with the promotional code APLCO  and receive a bonus of $100 when you do one of the following:
  • Use U by BB&T bill payment service to initiate three online bill payments (minimum payment of $25 each) from the new checking account within 75 days of account opening
  • Enroll in and receive two direct deposits (minimum of $100 each) to the new personal checking account within 75 days of account opening

 

The Fine Print

• This offer is intended for select BB&T loan clients without a BB&T checking account.
• Offer is limited to one incentive per household and does not apply to second or multiple personal accounts.
• To receive the $100 incentive, clients must open a checking account online at BBT.com, in a BB&T financial center or through BB&T Phone24 and do one of the following:
  • 1) Use U by BB&T bill payment service to initiate three online bill payments (minimum payment of $25 each) from the new checking account within 75 days of account opening OR
  • 2) Enroll in and receive two direct deposits (minimum of $100 each) to the new personal checking account within 75 days of account opening.
• In addition to all qualifiers listed above, non-resident 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.
• 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 of account opening) will not receive the $100 incentive.
• Incentive will be paid within four weeks of qualifiers being met.
• All bank account bonuses require you 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

Unfortunately this bonus is targeted, as it’s much better than the previous $100 offer that they had (a lot more requirements). Because it’s targeted we won’t be adding it to our list of the best checking promotions, but I do recommend it if you were targeted.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank