Open an Account

Public Fund Interest Checking

Public Fund Interest Checking is designed to meet the needs of small public entities, including state or federal government agencies, local municipalities and public agencies. Interest is compounded daily on collected balances and allows you to:

  • Invest temporary excess funds
  • Maintain a liquid reserve


Public Fund Interest Checking gives your organization the tools to manage and access your money with ease:

  • Up to 150 free combined items each statement cycle, including checks paid, deposits, deposited items and ACH debits and credits
  • Up to $5,000 cash processing each statement cycle at no charge
  • Next-business-day funding to your account with credit and debit processing1
  • Free mobile banking with account alerts2
  • Unlimited bill payment with online banking for small business

Overdraft Protection
Enjoy the peace of mind that comes with overdraft protection by linking your checking account to a Public Fund Money Rate Savings account.


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

  • Monthly deposit statement of activity—get check safekeeping at no extra charge
  • Free consultation services for all your financial needs


We'll waive the $15 monthly maintenance fee when you maintain a $6,000 average monthly checking balance.

Additional Monthly Pricing

  • Combined items: 150 free, then $.50 for each additional item
  • Cash processing: $5,000 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 Public Fund Interest Checking account is conveniently accessible 24/7. Bank on your schedule with:

Contact Us

By Phone

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

Visit a BB&T Financial Center