Basic Public Fund Checking Accounts from BB&T

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	Business Checking Accounts
		Business Analyzed Checking
		Business Value 150 Checking
		Business Value 500 Checking
		Community Checking
		Basic Public Fund Checking
		Earnings² Checking^SM — Public
		Public Fund Analyzed Checking
		Public Fund Interest Checking
		Earnings² Checking^SM
		Commercial Interest Checking
		Business Interest Checking
		Interest on Lawyer's Trust Accounts (IOLTA)
		Check Imaging (CD-ROM)

	Related Products/Solutions
		Business Services Pricing Guide

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Combined Debits, Credits, and Other Items Deposited Monthly:

Combination of checks paid, debit and credit memos, drafts, deposit tickets, checks deposited, electronic debits and credits, including online bill payments. Signature based check card purchases offer unlimited transactions without excess item fees.

Basic Public Fund Checking is designed for public entities with minimal monthly check transactions and deposits, and is made available to state or federal government agencies, local municipalities and public agencies. To see whether Basic Public Fund Checking is right for you, talk with a BB&T Relationship Banker at your local financial center.

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Basic Public Fund Checking
Additional Services
Monthly Maintenance Fee	$10 OR Avoid the monthly maintenance fee by meeting one of the following: $1,500 average monthly balance $6,000 combined in deposit and business outstanding loan balances to include public fund checking, Public Fund Money Rate Savings, business loans, lines of credit and business credit card**
Monthly Combined Item Allowances	Up to 150 free checking transactions each month including checks paid, deposits, deposited items and ACH debits and credits Up to $10,000 free coin/currency deposited each month
Online Access	BB&T Small Business OnLine^® with unlimited bill payment Free mobile banking* with account alerts Public entities with complex cash management needs may be interested in BB&T CashManager OnLine^®
Payment Funding	Credit card payment acceptance with next business day funding to your Basic Public Fund Checking account for Visa^® and MasterCard payments
Statements	Check Safekeeping or enjoy Easy Image Statements at no charge
Additional Benefits	BB&T Business Check Card with Cash Rewards No annual fee BB&T Visa Business Credit Card** with BB&T Business Rewards†
Overdraft Protection	Available via Public Fund Money Rate Savings account
FDIC Security	Balances are insured by FDIC to the maximum allowed by law. See Important Information Regarding FDIC Coverage for more information.
Public Fund Money Rate Savings Account	Money market interest rates No maintenance fee with a minimum balance, average balance, or preauthorized transfer qualifier
BB&T@Work	Pass the value of a BB&T relationship along to your employees. With direct deposit, your employees are eligible for a no-fee personal checking account.
Consultation Services	Treasury Management Business Loans and Cards Insurance‡
Your mobile carrier's text messaging and web access charges may apply. *Subject to credit approval. Credit cards are issued by BB&T Financial, FSB, a subsidiary of BB&T Corporation. Member FDIC. †BB&T Business Rewards is available only to BB&T Visa Business Credit Card clients with an aggregate company credit line of less than $100,000. ‡Insurance services are offered through BB&T Insurance Services, Inc., a wholly owned subsidiary of Branch Banking and Trust Company.

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Call BB&T Phone24, Monday through Friday from 7 a.m. to 8 p.m. ET, at 800-BANK-BBT (800-226-5228) and choose option 4.

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Branch Banking and Trust Company is a Member FDIC.