Understand Fees

When you spend more than you have in your account, an overdraft or non-sufficient funds (NSF) item will occur and you will be charged a $35 fee. BB&T may choose to pay this item on your behalf. If BB&T pays this item for you, it is called an overdraft. If BB&T does not pay this item for you, it will be returned unpaid and called a NSF item.

You can request that BB&T not pay these checks or items that would create an overdraft in the future by contacting us in writing by letter addressed to your local BB&T financial center. As a courtesy to you, BB&T will notify you when an overdraft occurs by mail, BB&T OnLine®, email or text message if you have enrolled in BB&T Alerts.

It is your responsibility to know when your account is overdrawn, and immediately repay BB&T or deposit sufficient funds into your account to cover the overdraft and any related fees. Unresolved overdrafts may result in additional overdraft activity and related fees.

When you make transactions at ATMs that BB&T does not own, you will be charged an ATM fee. Additionally, you may be charged a fee from the financial institution that owns the ATM you are using. Contact your local branch for ATM fees. You can avoid ATM fees by using any of over 2400 BB&T ATMs free of charge.

Maintenance fees are charged for the upkeep of your account. We offer many deposit account options that can help you avoid maintenance fees by maintaining certain qualifiers.

BB&T offers many business checking accounts with a wide range of activity levels designed to fit your business needs. Transaction activity is defined as the monthly combined items of checks paid, other debits and credits, deposit tickets, checks deposited, online bill payments, and electronic debits and credits, including check card transactions.*

*Signature (non-PIN) Business Check Card purchases (debits) are not included in the combined item count and do not incur a per-debit activity fee, thus allowing you additional banking transactions without the transaction activity fees.

When determining the balance of collected funds in your account, the Bank will determine and assign a collection period to each item deposited in the account. For some types of business deposit products, generally those used by larger clients, a monthly charge for the use of uncollected funds may be incurred.

As a business client of BB&T we allow your employees to use our financial centers to cash their payroll check. If your employee is not a BB&T deposit client they will be charged a $5 check cashing fee. You can help your employees avoid this fee by taking advantage of our BB&T@Work program which provides banking benefits such as free checking with direct deposit*, bonus rates on savings and select CDs**, loan discounts*** and more.

*No maintenance fee when you set up and maintain a monthly direct deposit. In addition to direct deposit, other options for avoiding monthly fees are available. Visit your local BB&T financial center or speak to a BB&T representative for details
**A penalty may be imposed for early withdrawal from CDs.
***Loans subject to credit approval. Equal Housing Lender . BB&T Member FDIC.

• Providing a source of funds that can be linked to your checking account and transferred between accounts manually or automatically
• Allowing you to initiate personal transfers of any amount up to your available overdraft protection account balance or credit limit when your checking account balance is getting low

Available overdraft protection* options include:

• BB&T eSavings
• Constant Credit ¹
• BB&T Visa^® Platinum Credit Card ²
• BB&T Home Equity Line ³

• Business Money Market Deposit Accounts
• BB&T Business Visa^® Credit Card ²
• Business Advantage Credit Line

Each time funds are automatically transferred from your overdraft protection account to your checking account, an Automatic Overdraft Protection Transfer Fee ⁴ will apply. To avoid the transfer fee, transfer funds from your overdraft protection account to your checking account before an overdraft occurs.

* Overdraft protection is an available service, and interest or finance charges apply for funds transferred from BB&T Constant Credit Accounts, BB&T Visa Platinum Credit Cards and BB&T Home Equity Lines. However, you can minimize these charges by quickly paying off the transferred balances.

¹ Subject to credit approval.
² Credit cards subject to credit approval. Credit cards issued by BB&T Financial, FSB, a subsidiary of BB&T Corporation and Member FDIC.
³ Loans subject to credit approval. Equal Housing Lender
⁴ Certain product exclusions apply. See a BB&T Relationship Banker for details.

BB&T provides the following tools and services to help you monitor your account(s):

• View your account balances
• Transfer funds between accounts
• View transaction history

• Receive text message or email account balance and transaction notifications, including low balance alerts
• Choose the type and frequency of notifications that you receive

• 1-800-BANK-BBT (1-800-226-5228)

• Over 2,400 ATMs and 1,800 BB&T financial centers

Generally, funds are made available to you based on the type of deposit made:

• BB&T Checks – Deposited checks drawn on BB&T are made available to you the same business day that BB&T receives the deposit.
• Non-BB&T Checks – Deposited checks not drawn on BB&T are available to you on the first business day after BB&T receives the deposit.
• Cash Deposits – Cash deposited at the teller line or ATM is made available to you on the business day BB&T receives the deposit.

In some situations, funds may not become available according to the schedule above. As a courtesy to you, the first $100 of your deposit will be made available as scheduled, and you will be informed at the time of your deposit when the remainder of your deposit will be available. If you have left the premises, you will be notified by mail no later than the day after we receive your deposit.

A typical business day cut-off time is 2 p.m. local time. Cut-off times may vary by location and are posted at each BB&T financial center and ATM. You may also visit BBT.com/locations for more information.

In some situations, funds may not become available according to the schedule above. As a courtesy to you, the first $100 of your deposit will be made available as scheduled, and you will be informed at the time of your deposit when the remainder of your deposit will be available. If you have left the premises, you will be notified by mail no later than the day after we receive your deposit.

This is the best indicator of the amount of money that you have in your account for making payments and withdrawals. This balance includes adjustments for deposits or other electronic payments (such as gas station or other point-of-sale purchases), as well as scheduled direct deposits that may not have posted to your account. Some payments may post before deposits if they are originated before the deposit is made.

This is the amount of cash that you have in your account at that point in time. It does not reflect transactions that have not posted to your account.

These are typically electronic or check card transactions that you have made but have not yet posted to your account. Deducting these transactions from, or adding any deposits or credits to your Current Balance provide your Available Balance.