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Basic Public Fund Checking

Basic Public Fund Checking is ideal for small public entities, including state or federal government agencies, local municipalities and public agencies with low monthly check transactions and deposits. You'll enjoy:

  • Up to 200 free checking transactions per statement cycle
  • Up to $10,000 cash processing per statement cycle
  • Next-business-day funding with card processing

This is the account information for VA. Choose Another State


Get the tools your organization needs to access and manage funds conveniently. 

Overdraft Protection
Enjoy peace of mind with constant overdraft protection simply by linking your account to a Public Fund Money Rate Savings account.


As a Basic Public Fund Checking client, you’ll enjoy account extras to help your organization achieve its financial goals.

  • Discount on first order of business checks (up to $50)
  • Monthly deposit statement of activity and free check safekeeping 
  • Free consultation services for all your financial needs


A $12 monthly maintenance fee applies. (No monthly maintenance fee for the first 95 days.)
Avoid the monthly maintenance fee by:

  • $1,500 average monthly balance
  • $6,000 combined average monthly balances in checking accounts (business/public fund/personal2), Money Rate Savings accounts (business/public fund/personal2), Business Investor’s Deposit Accounts and/or outstanding balances on both business and/or personal loans3, lines of credit4 and credit cards5
  • A qualifying transaction from a BB&T Merchant Services account6

Additional monthly pricing:

  • Combined items:7 200 free, then $.50 for each additional item
  • Cash processing: $10,000 free, then a nominal fee (varies by state) for each additional $1,000

At A Glance offers a quick overview of account features.

Learn more about our pricing and fees in our Pricing Guide.

Read our Commercial Bank Services Agreement.

Access 24/7

Your account is conveniently accessible 24/7:

Get Assistance

By Phone

Call us at 800-BANK-BBT (800-226-5228), option 4.

By Email

Send us a message.

Visit a BB&T Financial Center

Contact Us

Send us an email

or call 800-BANK-BBT



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