Business Investor's Deposit Account (BIDA)

Get easy access to your savings with tiered interest rates

Select your state to see details for your location.

Best if you

  • Run a business or organization with a savings balance greater than $10,000
  • Need easy access to your funds
  • Want the advantage of competitive interest rates


  • Earn competitive, tiered money market rates compounded daily and credited monthly
  • Get six free pre-authorized automatic or telephone transfers or withdrawals per month
  • Enjoy unlimited withdrawals and transfers at BB&T24 ATMs and BB&T branches
  • Make business purchases convenient and rewarding with a BB&T small business credit card


  • Avoid the monthly maintenance fee by maintaining a $10,000 minimum daily balance

Learn more about pricing and fees

Convenient access

Enjoy around-the-clock access to your account.

  • Manage your account from any device  through BB&T CashManager OnLine®
  • Call 800-BANK-BBT (800-226-5228) for unlimited automated account information
  • Withdraw and deposit money at any BB&T ATM

Ready to get started?

In person

Locate a branch.

What you'll need to open an account

Here's all the information you'll need to open your account online or in a branch. Please note: You'll need this information for each of your business owners, beneficial owners (25% stake or more), and authorized signers. Learn more about the requirements for opening a business account

For the organization

  • Federal Tax ID
  • Legal business name
  • "Doing business as" name, if applicable
  • Business incorporation details and issue date
  • State registrations, if applicable
  • Business address (both physical and mailing addresses)
  • Stock or ticker symbol, if publicly traded

For business owners

Opening your account at a branch? Before your visit, please complete the Beneficial Ownership Certification (PDF).

Opening your account online? You'll be able to enter the required information in your application.

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

Select your state

Select your state for location-specific product information.

For a complete list of account fees, see our Business Services Pricing Guide (PDF).

See our Commercial Bank Services Agreement (PDF) for more information.

Learn more about your account, including fees and ways you can avoid them.

  • 1

    An excessive-activity fee applies for each transaction over the permitted six per monthly statement cycle. Your account is subject to conversion to a checking account if you repeatedly exceed the permitted number of transactions.

  • 2

    Business credit cards are subject to business type and credit approval.

  • 3

    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 is a Member FDIC and an Equal Housing Lender.