Invest on Your Own

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

Get started by contacting us by email, phone or mail - important (moves focus down)

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 $25

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

Marketconnect

With Marketconnect® you can place your trades and a whole lot more

  • Get real-time quotes, balances and holdings
  • View dividend and interest information
  • Compare stocks and view account histories
  • Download and print account information and tax documents

Whether your priorities include retirement, education, security, a life event, legacy planning—or all of these—BB&T Investments has solutions to help you reach your goals.

Detailed information on commission rates, transaction fees and other charges

Online Trading Commission Schedule

Number of SharesCommission Rate
1-500 $14.95 per transaction
500 or more $14.95 per transaction plus $0.03 per share for each share over 500 shares

Broker Assisted Trading

Transaction AmountCommission 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

Ready to get started?

By phone

Arrange a meeting.

800-453-7348

Online

Leave us your contact info, and we'll call you back.

By mail

Send certificates and correspondence to:

BB&T Investments
200 S. College St., 11th Floor
Charlotte, NC  28202

Still exploring?

Find out if you're on track to meet your retirement goals with this handy calculator.

Conducting a mid-year check-up on key financial areas—budget, credit score, retirement savings, life insurance—will allow you to adjust if needed to keep your annual financial goals on track. Here are some important aspects of a financial check-up.

Make sure you're avoiding these pitfalls to create better financial habits.

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.

With a self-directed brokerage account, you'll benefit from substantial savings and still have access to a solid support system, including information online, immediate access to trading and reduced commissions.

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.

You can also contact us online or visit your local BB&T branch. We will notify you when your account has been established and you can begin trading. Accounts are usually opened same day, and in most cases trading can begin immediately.

How soon can I trade after opening my brokerage account?

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

  • Purchases: Upon receipt of your application, purchases can be made by contacting our Trading Desk at 800-642-8545, option 2. A licensed trader will be glad to assist you with placing the order as well as providing quotes, news and other market information. If requested on the application, online trading through Marketconnect can be available as soon as the next business day.
  • Sells: Certificates should be delivered to BB&T Investments, 200 S. College St., 11th Floor, Charlotte, NC 28202. Once assets are received, you may place a trade by contacting our Trading Desk at 800-642-8545, option 2, or online through Marketconnect.
  • Transfers: If assets are held at another firm, a transfer form should be submitted along with the application. Upon completion of the transfer, you will be contacted by a licensed trader who can assist you if needed. Purchases can be made at any time after the account is funded.
How soon can I trade after opening my IRA account?

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

  • Purchases: Once funds are received, you may begin making purchases immediately by contacting our Trading Desk at 800-642-8545, option 2 or online through Marketconnect. If requested on the application, online trading through Marketconnect can be available as soon as the next business day.
  • Sells: Certificates should be delivered to BB&T Investments, 200 S. College St., 11th Floor, Charlotte, NC 28202. Once assets are received, you may place a trade by contacting our Trading Desk at 800-642-8545, option 2, or online through Marketconnect.
  • Transfers: If assets are held at another firm, a transfer form should be submitted along with the application. Upon completion of the transfer, you will be contacted by a licensed trader who can assist you, if needed. Purchases can be made at any time after the account is funded.
What types of accounts can I open?

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

Non-retirement accounts available include: Individual, Joint, Transfer on Death (TOD), Power of Attorney (POA), Custodial for Minor (UTMA/UGMA), Trust, Estate, Corporate, Non-Profit/Non-Corporate, Partnership/LLP, Sole Proprietorship/LLC, Investment Club, Guardian, Profit Sharing Plan, Coverdell Educational Savings Account and more. Interested in retirement? Choose between a Traditional, Roth, SIMPLE and SEP IRA.

Please select only one account type per application. Additional documents may be required depending on the account type you choose.

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.

Please call us at 800-642-8545, option 3, or contact us online if you are interested in transferring an existing brokerage or retirement account from another firm. We will send you the necessary documents, and the transfer will be handled between the two brokerage firms or retirement custodians, respectively, with no inconvenience to you.

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:

  • Provide us with written authorization to deduct payments for purchases and deposit credits for sales, dividends and interest to a BB&T checking or savings account or
  • Pay for purchases by check made payable to BB&T Securities, LLC and we will issue checks directly to you for your sales, dividends and interest or
  • Elect to keep cash invested in a money market fund to cover purchases, and we will credit any sales, dividends and interest to this money market fund

If you elect to settle by check, please include your account number on the memo line. This check should be mailed to our office prior to the settlement date. Effective June 1, 1995, the SEC adopted a set of rules that shortened the settlement time period to the third-business-day following the trade date for most securities transactions.

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.

Not convinced that investing with guidance is right for you?

View available ways to invest

Traditional banking services are provided by Branch Banking and Trust Company, Member FDIC.

Only deposit products are FDIC insured.

Investment solutions are provided by BB&T Investments, a division of BB&T Securities, LLC (opens in a new tab), member FINRA (opens in a new tab)/SIPC (opens in a new tab). BB&T Securities, LLC is a wholly-owned nonbank subsidiary of BB&T Corporation. Securities and insurance products or annuities sold, offered or recommended by BB&T Investments are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may lose value.

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.