Invest on Your Own

Enjoy the freedom and cost savings of a self-directed brokerage account

Trade online and make your own investment decisions with access to real-time market data, late-breaking news and company earnings reports. And you can always get help from our licensed representatives.

Best if you

  • Like to research investments and stay abreast of the market
  • Prefer to make your own investment decisions
  • Want the ease and convenience of trading online
  • Appreciate the comfort of knowing that you can get help from a licensed representative

Benefits

  • Open the type of account that's right for you—from personal and business retirement plans to individual and joint accounts and more
  • Choose from a wide array of products, including stocks, bonds, mutual funds and exchange traded funds
  • Link your BB&T checking or savings account for automatic settlement of dividends, interest payments and trades

Pricing

  • Open your account with a minimum of $500
  • Execute your trade online starting at $14.95 per transaction
  • Place your trade with our licensed representatives for as little as $29.95

See our pricing guide(moves focus) for a complete list of fees.

U by BB&T

Through U by BB&T, you can access your investment accounts, place trades, and a whole lot more.

  • Get real-time quotes, balances and holdings
  • View in-depth market research
  • Download and print account information and tax documents
  • Place your trade with our licensed representatives for as little as $29.95

Whether your priorities include retirement, education, security, a life event, legacy planning—or all of these—Truist Investment Services has solutions to help you reach your goals.

Pricing guide

Detailed information on commission rates, transaction fees and other charges

Online Trading Commission Schedule

Number of Shares Commission Rate
1-1000 $14.95 per transaction
1000 or more $14.95 per transaction plus $0.03 per share for each share over 1000 shares

Broker Assisted Trading

Transaction Amount Commission Rate
Under $2,001 2.50%
$2,001-$15,000 1.25%
$15,000-$25,000 1.00%
$25,000-$50,000 0.75%
Over $50,000 0.25%

Minimum charge: $25

US Government Bonds

  • Treasury Auctions – $50 per transaction
  • Secondary Market – Fees are a factor of the coupon, size of the order, maturity date and other features of each issue. Such fees are included in the price per bond.

Corporate Bonds

Secondary Market – Fees are a factor of the coupon, size of the order, maturity date, credit quality and other features of each issue. Such fees are included in the price per bond.

Municipal Bonds

Fees are a factor of the coupon, size of the order, maturity date, credit quality and other features of each issue. Such fees are included in the price per bond.

Mutual Funds

Mutual funds and Unit Investment Trusts are charged as indicated in the prospectus. Commissions charged for no-load mutual funds are subject to the equities schedule.

Options

  • Regular commission plus $0.75 per contract
  • Option application and approval required
  • Contact a trader at 800-453-7348, option 2

Margin Interest Charges

  • Under $25,000 – 1.75% + broker call rate
  • Over $25,000 – 1.5% + broker call rate
  • Required minimum equity is $2,000
  • Margin agreement required

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Frequently asked questions

What is a self-directed brokerage/IRA account?

Self-directed brokerage is a service that allows you to create and manage your own investment transactions.

How do I open a self-directed brokerage/IRA account?

It's easy. Get the application by calling us at 800-642-8545, option 3.

How soon can I trade after opening my brokerage account?

Accounts are usually opened same day, and in most cases trading can begin immediately.

How soon can I trade after opening my IRA account?

With retirement accounts, assets must be in the account to trade.

What types of accounts can I open?

You can choose from several types of brokerage, specialty and retirement accounts.

How do I execute a trade?

After your account has been established, we will contact you with a personalized Marketconnect user ID and temporary password that you will use to place online orders. To place an order by phone, contact a BB&T licensed representative at 800-642-8545.

How do I access Marketconnect?

Online trading is available through the Marketconnect website(opens in a new tab) or under the Personal Login menu of BBT.com.

What if I already have a brokerage/IRA account?

You can open a BB&T Investments self-directed brokerage IRA regardless of how many other brokerage or IRA accounts you have.

How do I settle my brokerage transactions?

When you open a self-directed brokerage account, you can choose one of the following three settlement options:

How do I settle my IRA transactions?

Retirement account assets must be held by a custodian. As a result, available cash and securities are not delivered to you on the settlement date. Instead, they will be held in your account.

Market Trends

Not convinced that investing with guidance is right for you?

Traditional banking services are provided by Truist Bank, Member FDIC.

Only deposit products are FDIC insured.

See disclosuresregarding Reg BI practices (opens in a new tab) relating to Truist Investment Services, Inc. including Regulation Best Interest (Reg BI) practices.

Investment and Insurance Products:
• Are not FDIC or any other government agency insured • Are not bank guaranteed • May lose value

Truist, BB&T®, Sterling Capital®, SunTrust®, SunTrust PortfolioView, Truist Securities®, SunTrust Premier Program®, AMC Pinnacle®, AMC Premier®, Access 3®, Signature Advantage Brokerage, Custom Choice Loan®, SunTrust SummitView®, and GFO Advisory Services® are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and/or insurance (including annuities) are offered by Truist Investment Services, Inc. (d/b/a SunTrust Investment Services, Inc.) and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRA, SIPC, and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc. (d/b/a SunTrust Advisory Services, Inc.), GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly owned subsidiary of Truist Insurance Holdings, Inc.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; Truist Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; Truist Advisory Services, Inc., an SEC registered investment adviser which provides Investment Advisory services.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by affiliates of Truist Financial Corporation.

Truist Securities is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including Truist Securities, Inc., member FINRA and SIPC.

FINRA's BrokerCheck® is a free tool designed to help investors research the professional backgrounds of current and former FINRA-registered brokerage firms and brokers. Investors may access BrokerCheck by: 1. Visiting the BrokerCheck website at brokercheck.finra.org(opens in a new tab), or 2. Calling FINRA's BrokerCheck toll-free hotline at 800-289-9999 Monday through Friday from 8 am to 8 pm ET.

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor and/or attorney regarding your individual circumstances.

Market data information is obtained from third-party sources believed to be reliable, but is provided “as is” with no warranty. Market data is provided for informational purposes only, does not constitute investment advice, and may not be used for trading. Market data is for the individual use of each site guest, and may not be copied, downloaded, stored or redistributed. Quotes are delayed 15 minutes. Some index information is proprietary to the index owner. Data access and usage is subject to the terms and conditions imposed by our third-party sources. Access or use of any data indicates agreement to these terms.

New York City residents: Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.

Branch Banking and Trust Company is now Truist Bank. Learn more.

BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.

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