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Investor's Deposit Account

A premium savings account with tiered money market rates

Open an account online and get an Investor's Deposit Account - important

Best if you

  • Typically carry a higher balance in your savings account
  • Would like easy access to your funds, including check-writing privileges
  • Want a savings option for overdraft protection


  • Tiered, money market rates compounded daily1
  • Unlimited deposits, transfers and withdrawals at BB&T ATMs and branches2


  • $10,000 minimum opening deposit
  • $15 monthly maintenance fee can be avoided by maintaining a $10,000 minimum balance
  • Other fees may apply; please see our Personal Services Pricing Guide for details3

See all pricing and fees.

Tiered Money Market Rates1

$0 - $9,9990.01%0.01%
$10,000 - $24,9990.02%0.02%
$25,000 - $49,9990.02%0.02%
$50,000 - $99,9990.02%0.02%
$100,000 - $999,9990.02%0.02%
$1,000,000 - $99,999,999,9990.02%0.02%

*Annual percentage yield

Keep tabs on your account

  • Use U by BB&T®, our customizable online and mobile banking experience, to monitor your BB&T and non-BB&T accounts, pay bills, set and track spending, manage your receipts and more
  • Receive important account alerts by email or text
  • Choose online statements for convenient access to your account statements from your computer or mobile device

Ready to get started?

In person

Locate a branch.

See how you can easily create, monitor and track savings goals with the Plan & Analyze feature in U by BB&T®.

Learn how much to invest each month to reach $1 million.

Life is unpredictable, and even the best-laid retirement plans can be thrown off track. Avoid these common financial pitfalls and increase your chances for a secure retirement.

Not convinced that an Investor's Deposit Account is right for you?

View all savings account options

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See our Bank Services Agreement (PDF) for additional disclosures.

Learn more about your account At A Glance.

Learn about fees and ways you can avoid them.

1These are the online rates. These rates are effective as of today and subject to change without notice. Fees may reduce earnings on the account. These rates apply to accounts opened online and by Phone24. Other rates may apply if not opened online or by Phone24.

2Six preauthorized, automatic or telephonic (including online banking and BB&T Phone 24) transfers or withdrawals per statement cycle. A fee is charged for excessive activity—$15 fee per transfer or withdrawal for Investor's Deposit Account and $3 fee per transfer or withdrawal for eSavings. Please see our Bank Services Agreement (PDF) for details.

Fees from your mobile or data carrier may apply. A monthly service fee applies if you choose to access your online banking financial data through QuickBooks® or Quicken® Direct Connect.

Branch Banking and Trust Company, Member FDIC.