Enjoy hassle-free spending around town, while traveling or shopping online
Establish financial responsibility—since you can only spend available funds, you'll never overdraw your account
Learn or sharpen budgeting skills
Share joint accounts with your spouse, child, relative or friend

Adding Funds

It's easy to add money to your BB&T MoneyAccount:

Deposit cash, BB&T checks or government–issued checks at any BB&T financial center location
Enroll in Direct Deposit to automatically deposit your paycheck, tax refund or U.S. government benefits
Transfer funds to and from other BB&T accounts
Load funds where you shop. Use the Visa ReadyLink reload network at any participating merchant location

Managing Your Account

Bank on your terms—anytime, anywhere, with BB&T OnLine^®—our FREE Internet banking service. It's safe, easy and convenient.

With BB&T OnLine, you get access to:

OnLine Bill Payment—schedule free, secure payments when they're most convenient for you
BB&T Mobile—perform banking transactions right from your mobile phone¹
Alerts – receive account-related email or text messages on your mobile device¹

Pricing

BB&T MoneyAccount fees are straightforward and affordable and, because your account is prepaid, you never have to worry about overdraft fees.

Standard monthly maintenance fee:

$5 per month (BB&T will reduce this fee to $3 for any month in which you have total deposits/loads of at least $1,000.)

ATM withdrawal fees:

Free cash withdrawals at any BB&T ATM
$2.50 at ATMs outside of the BB&T network²
$5.00 at international ATMs²

Each month, you'll receive free online statements and a single paper statement at no charge. A fee of $3 applies to additional paper statements.

View the complete list of fees and free services.

FAQ

Here are the answers to some frequently asked questions about the BB&T MoneyAccount.

GENERAL INFORMATION

What are the advantages of a BB&T MoneyAccount?

Your BB&T MoneyAccount card can be used just like any Visa debit card, and is accepted at millions of places worldwide, online or by phone. You can easily get cash or add money to your account, and enjoy 100% Visa fraud protection with FDIC insurance BB&T OnLine account access anytime, anywhere you have an Internet connection.

Who should get the BB&T MoneyAccount?

The BB&T MoneyAccount is ideal if you want the spending power of a Visa debit card but don't want to pay a lot in fees or risk overdrawing your account:

Budget-minded clients can enjoy the convenience and safety a Visa debit card provides while limiting spending to only the money they have available.
Students and young adults can use MoneyAccount to establish financial responsibility.
New customers with no prior banking relationships can be approved for MoneyAccount—no credit check is required.

Can I get a BB&T MoneyAccount card for another family member?

BB&T MoneyAccount cards are issued only to the person submitting the application.

Can I get a joint BB&T MoneyAccount?

Yes. You may apply with your spouse, child or anyone else that you would like to have as a co-applicant.

Can I get more than one card for my BB&T MoneyAccount?

One card is issued for an individually owned BB&T MoneyAccount, and up to two cards can be issued for a joint account. Lost or stolen cards can be replaced for a nominal fee.

GETTING STARTED

How do I sign up for a BB&T MoneyAccount?

Our BB&T MoneyAccount application process is quick and easy, and you'll get an online decision in minutes. Before you begin, gather the Social Security number, driver's license information, date of birth and current home address of any applicants, then apply online.

Will you pull my credit report?

Yes. We'll review your credit report to help us prevent fraud and identity theft. However, your credit score or lack of credit history will not prevent you from opening a BB&T MoneyAccount.

Do I need to have a checking account?

No, neither a checking account nor a previous relationship with BB&T (or any other financial institution) is required.

How do I set up direct deposit?

After you apply for the BB&T MoneyAccount, print out the Direct Deposit form. (We'll even pre-fill most of the form for you.) Then, complete, sign, and deliver it to your company/employer's payroll department.

You'll need Adobe Acrobat Reader to view and print your Direct Deposit form. If you don't currently have Acrobat Reader installed, you may download it for free at your convenience.

Can I have my government benefits deposited to the account?

Yes, your Social Security, SSI, VA Compensation and Pension, or other federal benefit payments can be deposited directly into your BB&T MoneyAccount. Once your MoneyAccount has been opened, visit Go Direct^® to have your federal benefits deposited directly.

How can I find a BB&T Financial Center?

Our online locator allows you to quickly find your nearest BB&T financial center.

LOADING FUNDS

What is a "prepaid" card? Is that different from a "reloadable" card?

A prepaid debit card allows you to spend only the amount of money in your account. Certain prepaid cards, such as gift cards, cannot be used after the prepaid money has been spent. A reloadable card, such as the BB&T MoneyAccount card, is a debit card that allows you to spend only the amount of money in your account but also add (reload) money whenever you need to, so that you can continue using the same card.

How can I add money to my BB&T MoneyAccount?

Adding money to your BB&T MoneyAccount is easy. You can set up direct deposit, add funds at any BB&T financial center, transfer money from other BB&T accounts, or visit any merchant participating in the Visa ReadyLink reload network.

What is Visa ReadyLink? How can I find a Visa ReadyLink location?

Visa ReadyLink offers a fast and easy way to load money into your BB&T MoneyAccount account. Visit Visa ReadyLink to find the nearest of more than 50,000 locations.

USING YOUR BB&T MONEYACCOUNT CARD

Where can I use my BB&T MoneyAccount card?

Your MoneyAccount card can be used wherever Visa debit cards are accepted. You can make purchases or payments in stores, online, or by phone.

Can I use the account to pay bills?

Yes, you can use the BB&T MoneyAccount to pay bills in person, over the phone, or with BB&T OnLine Bill Payment.

Can I use the card to shop online?

Yes, your BB&T MoneyAccount card can be used for online purchases, wherever Visa debit cards are accepted.

Can I withdraw funds from any ATM?

You can withdraw funds from any ATM that displays the Visa or Plus logo. If you use one of 2,400 ATMs within the BB&T network, there are no transaction or service fees.

If you would like to withdraw funds from an ATM outside of the BB&T network, you may incur fees. Please note that these fees may be listed in your account statements as "foreign ATM fees."

Can I get cash back from my BB&T MoneyAccount?

Yes, you can get cash back at participating merchant locations, such as grocery stores and drug stores.

What should I know about transactions made at gas stations, hotels, restaurants and car-rental agencies?

Transactions where the final purchase amount is not known at the time you present your card are processed differently than most other purchases. These special transactions may be handled differently by different merchants. If you are unsure of a merchant's policy, it’s best to ask before presenting your card.

Gas stations will accept the BB&T MoneyAccount card to prepay for fuel inside the station, but "pay at the pump" transactions are not allowed.
Restaurants, Hotels, Car rental agencies may authorize more than final purchase amount.

CHECKING YOUR BALANCE

What's the best way to monitor my BB&T MoneyAccount?

Sign up for BB&T OnLine, our free, easy-to-use online banking service. You can also get balance information by calling 877-762-9931.

What are account alerts?

BB&T Alerts are messages from BB&T that you can get by email or through your mobile device. You can set up alerts to keep tabs on your account or to notify you when important account activities occur.¹

What is BB&T OnLine?

BB&T OnLine is a safe and convenient Internet banking service. You can bank online from anywhere you have Internet access, including your mobile phone. Use BB&T OnLine to check balances, transfer funds, pay bills, and set up alerts.¹

What is mobile banking?

BB&T Mobile is a way for you to bank anytime, anywhere, from your mobile device. BB&T offers three convenient mobile banking options: Mobile App, Mobile Web, and Mobile Text.¹

Can I accidentally spend more than the balance on my card?

No. The BB&T MoneyAccount has been designed to allow you to spend only the amount of money you've deposited.

Can my card ever have a negative balance?

It's possible that a Visa merchant may put an item through without prior authorization. For example, a restaurant may automatically add an 18% gratuity to your bill's total, and BB&T would be obligated to pay for such an item. If the amount of the transaction exceeds the amount in your account, this may result in a negative balance.

In the unlikely event of such a situation, the amount of the negative balance will automatically be deducted from the next deposit that is made to your BB&T MoneyAccount, and you would not be charged an overdraft fee.

SECURITY

What if my BB&T MoneyAccount card is lost or stolen?

If your MoneyAccount card gets lost or stolen—or if the account number is misused by someone else—you will be reimbursed for 100 percent of any unauthorized transactions.

Your BB&T MoneyAccount card comes with 24-hour support. If your card is lost or stolen, call 877-762-9931 immediately.

Are the funds in my account FDIC insured?

Yes. All BB&T MoneyAccount funds are FDIC insured. Learn more about FDIC Insurance coverage and limits.

PRICING

Is it possible to incur overdraft fees with this account?

No. The BB&T MoneyAccount has been designed so that you'll never incur overdraft fees.

Are there any fees associated with the BB&T MoneyAccount?

Yes, there is a standard monthly maintenance fee of $5 ($3 if you load $1,000 during a month). Additional fees, such as those for ATM withdrawals outside of the BB&T network, may apply depending on your activity. See your Fee Schedule for full details.

What is a foreign ATM fee?

A foreign ATM fee (also known as a foreign transaction fee) is a fee charged to a cardholder for using an ATM outside of a bank's network. You can avoid this fee by using one of the more than 2,400 BB&T ATMs located across 12 states and Washington, D.C.