Personal Checking Offer for New Clients

¹Eligibility: This special limited time offer is available to new clients that open a new personal checking account between 03/25/2012 and 05/31/2012 through BBT.com. A new client is a person who is not currently a signer and who has not been a signer within the last 6 months on any BB&T personal checking account. Offer is subject to change or be withdrawn at any time without notice, and cannot be combined with any other offer. Offer is limited to one incentive per household, and does not apply to second or multiple personal accounts. In order to receive the $100 incentive, new clients must do at least one of the following: 1) Use BB&T online bill payment service to initiate 3 online bill payments (minimum payment of $25) from your new checking account within 90 days of account opening, OR 2) Enroll in and receive 2 recurring direct deposits (minimum of $100) to the new personal checking account within 90 days of account opening. Any accounts not in good standing, closed, and/or with a balance less than or equal to zero at the time we review account eligibility will not receive the $100 incentive. Normal minimum balance opening requirements apply. Some BB&T checking account options accrue interest. For example, an Elite Gold account earns 0.02% annual percentage yield in North Carolina; rates good as of 02/01/2012.

²Your mobile carrier’s text messaging and web access charges may apply.

³If you do not enroll in online banking and choose to receive electronic statements, you will receive a paper statement. A monthly paper statement fee of $3 applies in Kentucky, Indiana and South Carolina.