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Looking for a better way to manage your money? BB&T's SMART Money Manager combines the investment opportunities of a BB&T Investment Services Brokerage Account with the convenience of a checking account. A comprehensive month-end statement includes both banking and brokerage transactions.
Choose which Money Market sweep investment option meets your needs, and the excess cash in your checking account will be swept into your chosen investment option on a daily basis*. Sweep options include a variety of money market funds and an FDIC-insured option**.
- Deposits are automatically swept into your chosen sweep option.
- Checks, ATM withdrawals, or any other debits are covered with funds swept out of your Money Market sweep option.
- Proceeds from sales, interest, or dividends are automatically invested into your chosen sweep option.
- Any securities purchased are covered automatically with funds swept out of your chosen investment option.
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| SMART Money Manager |
| Minimum Opening Balance |
$25,000 |
| Balance Requirements |
A portion of the $25,000 minimum opening balance must include securities. Qualified assets to meet the minimum include the following:
- Brokerage assets held by BB&T Investments
- Securities and cash transferred in from an outside brokerage firm
- Savings accounts, checking accounts, time deposits (combined with brokerage assets)
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| Brokerage Benefits |
- Full service - professional, objective guidance from a BB&T Investment Counselor
- Self service - discount brokerage and online trading
- 5% discount on stock trades
- Systematic investments
- Available margin to cover checking account overdrafts or to purchase more securities in your brokerage account
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| Banking Benefits |
- Free checks
- Free second checking account
- Custom BB&T Check Card†
- Safe Deposit Box discount
- Bonus CD rates and IRA rates
- No fee BB&T Visa Platinum Card
- Discounted auto loans
- Discounted closing costs on a BB&T Tax Advantage Credit Line
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| Online Access |
Single sign-on access to your SMART brokerage and checking account is available through BB&T OnLine
- Place stock, option, and mutual fund trades online
- View your investment portfolio balances and transactions
- Conduct research on stocks and mutual funds
- Check on the market and obtain real-time quotes
- Access statements, confirmations and tax reports with up to 24 months of history
- Access banking balances and transactions as well as bill pay services
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| Combined Statements |
- Comprehensive month-end statement with brokerage and banking balances and transactions
- Expense code tracking on checks helps simplify tax return preparations
- Check payees listed on statements
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| Dedicated Support |
Dedicated support line at 1-888-SMART 4U |
*An investor's shares, when redeemed, may be worth more or less than their original cost
**Income generated by tax-free funds may be subject to the federal alternative minimum tax and, in some cases, state and local taxes
†With credit approval.
Credit cards are issued by BB&T Financial, FSB, a subsidiary of BB&T Corporation. Member FDIC.
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Speak to your Relationship Banker at your local branch about opening a SMART Money Manager account today. |
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