Open a personal checking account,
use direct deposit or bill pay, and get $100!¹

Here's how it works:

1. Open a BB&T checking account by March 1, 2013
2. Set up and receive 2 direct deposits of $100 or greater
   OR make 3 online bill payments of $25 or greater
3. Balance in good standing
4. Get your $100!

To open your account by phone, call 800-BANK BBT (800-226-5228), select option 4 and mention this offer.

BB&T Complete Client Protection

Personal Services Pricing Guide

Bank Services Agreement

¹ Eligibility: This special limited time offer is available for personal checking accounts only that are opened between 11/05/2012 and 03/1/2013. Offer is subject to change or be withdrawn at any time without notice and cannot be combined with any other offer.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, clients must open a checking account and 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 direct deposits (minimum of $100 each) to the new personal checking account within 90 days of account opening. Any account not in good standing, closed, and/or with a balance less than or equal to zero at the time we review account eligibility (between 90-120 days of account opening) will not receive the $100 incentive. Normal minimum balance requirements apply. Some BB&T checking account options accrue interest. For example, an Elite Gold account earns 0.01% Annual Percentage Yield (APY) for balances $0 - $2,499, 0.01% APY on balances of $2500 - $24,999 and 0.01% APY on all balances $25,000 - $99,999,999,999 in North Carolina; rates are good as of 11/1/2012 and are subject to change.

The $100 account opening incentive will be deposited directly to your account within 120 days of account opening, and will be reported to the IRS as required by law.

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

³ If you do not enroll in online banking and choose to receive electronic statements, you will receive a paper statement.

Branch Banking and Trust Company, Member FDIC.