Prepaid Debit Card

Enjoy the unrivaled purchasing power of Visa® with a prepaid, reloadable BB&T MoneyAccount®. It's the smart way to manage and protect your money.

  • Apply in minutes—no separate bank account or minimum credit score is required
  • Spend only the money available in your account
  • Make purchases, pay bills online and more
  • Use direct deposit to avoid check-cashing fees

MoneyAccount combines the features of a checking account with the convenience of a prepaid, reloadable, Visa debit card.

  • Enjoy hassle-free spending around town, while traveling or shopping online
  • Add security to your online purchases by linking your card to Visa CheckoutSM
  • Make simple and secure payments using your iPhone® by adding your card to Apple Pay® 1
  • Establish financial responsibility—since you can only spend available funds, you'll never overdraw your account
  • Learn or sharpen budgeting skills
  • Share joint accounts with your spouse, child, relative or friend
  • Earn money the easy way with BB&T Deals. Simply log on to U by BB&T®, click on a deal, shop with your MoneyAccount card and earn cash back.

It's easy to add money to your MoneyAccount:

  • Deposit cash, BB&T checks or government–issued checks at any BB&T financial center location
  • Enroll in direct deposit to automatically deposit your paycheck, tax refund or US government benefits
  • Transfer funds to and from other BB&T accounts
  • Load funds where you shop. Use the Visa ReadyLink reload network at any participating merchant location
  • Use the Ingo Money app to load approved checks directly into your MoneyAccount by taking a photo with your iPhone or Android® mobile device. You can download the free app from Google® Play or the App Store®.

Bank on your terms—anytime, anywhere, with U by BB&T® online banking. It's safe, easy and convenient.

With online banking, you get access to:

  • Online bill pay—schedule free, secure payments when they're most convenient for you
  • Mobile banking—perform banking transactions right from your mobile phone2
  • Alerts—receive account-related email or text messages on your mobile device2

MoneyAccount fees are straightforward and affordable and, because your account is prepaid, you never have to worry about overdraft fees.

  • $5 per month (BB&T will reduce this fee to $3 for any month in which you have total deposits/loads of at least $1,000.)

ATM withdrawal fees:

  • Free cash withdrawals at any BB&T ATM
  • $3.00 at ATMs outside of the BB&T network3
  • $5.00 at international ATMs3

Each month, you'll receive free online statements and a single paper statement at no charge. A fee of $3 applies to additional paper statements.

View the complete list of fees and free services.

General Information

What are the advantages of MoneyAccount?

Your MoneyAccount card can be used just like any Visa debit card, and is accepted at millions of places worldwide, online or by phone. You can easily get cash or add money to your account, and enjoy 100% Visa fraud protection with FDIC insurance. With online banking, you can access your account anytime, anywhere you have an Internet connection.

Who should get MoneyAccount?

MoneyAccount is ideal if you want the spending power of a Visa debit card but don't want to pay a lot in fees or risk overdrawing your account:

  • Budget-minded clients can enjoy the convenience and safety a Visa debit card provides while limiting spending to only the money they have available.
  • Students and young adults can use a MoneyAccount to establish financial responsibility.
  • New customers with no prior banking relationships can be approved for MoneyAccount—no minimum credit score required.

Can I get a MoneyAccount card for a family member?

A MoneyAccount card is issued only to the person submitting the application.

Can I get a joint MoneyAccount?

Yes. You may apply with your spouse, child or anyone else you would like to have as a co-applicant.

Can I get more than one card for my MoneyAccount?

One card is issued for an individually-owned MoneyAccount, and up to two cards can be issued for a joint account. Lost or stolen cards can be replaced for a nominal fee.

Getting Started

How do I sign up for MoneyAccount?

Our MoneyAccount application process is quick and easy, and you'll get an online decision in minutes. Before you begin, have the Social Security number, driver's license information, date of birth and current home address of any applicants, then apply online.

Will you obtain my credit report?

Yes. We'll review your credit report to help us prevent fraud and identity theft. However, your credit score or lack of credit history will not prevent you from opening a MoneyAccount.

Do I need to have a checking account?

No, neither a checking account nor a previous relationship with BB&T (or any other financial institution) is required.

How do I set up direct deposit?

After you apply for MoneyAccount, print out the direct deposit form—it will pre-fill most of the form for you. Simply complete, sign and deliver it to your company/employer's payroll department.

You'll need Adobe Acrobat Reader to view and print your direct deposit form. If you don't currently have Acrobat Reader installed, you may download it for free.

Can I have my government benefits deposited to the account?

Yes, your Social Security, SSI, VA Compensation and Pension or other federal benefit payments can be deposited directly into your MoneyAccount. Once your MoneyAccount has been opened, visit Go Direct® to have your federal benefits deposited directly.

How can I find a BB&T financial center?

Our online locator allows you to quickly find your nearest BB&T financial center.

Loading Funds

What is a "prepaid" card? Is that different from a "reloadable" card?

A prepaid debit card allows you to spend only the amount of money in your account. Certain prepaid cards, such as gift cards, cannot be used after the prepaid money has been spent. A reloadable card, such as the MoneyAccount card, is a debit card that allows you to spend only the amount of money in your account but also add (reload) money whenever you need to, so you can continue using the same card.

How can I add money to my MoneyAccount?

Adding money to your MoneyAccount is easy. You can set up direct deposit, add funds at any BB&T financial center, transfer money from other BB&T accounts, use the Ingo Money app to load approved checks using your mobile device or visit any merchant participating in the Visa ReadyLink reload network.

What is Visa ReadyLink? How can I find a Visa ReadyLink location?

Visa ReadyLink offers a fast and easy way to load money into your MoneyAccount. Visit Visa ReadyLink to find the nearest of more than 50,000 locations.

Using Your MoneyAccount Card

Where can I use my MoneyAccount card?

Your MoneyAccount card can be used wherever Visa debit cards are accepted. You can make purchases or payments in stores, online or by phone.

Can I use my MoneyAccount to pay bills?

Yes, you can use MoneyAccount to pay bills in person, over the phone or with online banking.

Can I use my MoneyAccount card to shop online?

Yes, your MoneyAccount card can be used for online purchases, wherever Visa debit cards are accepted.

Can I withdraw funds from any ATM with my MoneyAccount card?

You can withdraw funds from any ATM that displays the Visa or Plus logo. If you use one of 3,000 ATMs within the BB&T network, there are no transaction or service fees.

If you would like to withdraw funds from an ATM outside of the BB&T network, you may incur fees. Please note that these fees may be listed in your account statements as "foreign ATM fees."

Can I get cash back from my MoneyAccount?

Yes, you can get cash back at participating merchant locations, such as grocery stores and drug stores.

What should I know about transactions made at gas stations, hotels, restaurants and car-rental agencies?

Transactions where the final purchase amount is not known at the time you present your card are processed differently than most other purchases. These special transactions may be handled differently by different merchants. If you are unsure of a merchant's policy, it’s best to ask before presenting your card.

  • Gas stations will accept the MoneyAccount card to prepay for fuel inside the station, but "pay at the pump" transactions are not allowed.
  • Restaurants, hotels, car rental agencies may authorize more than final purchase amount.

Checking Your Balance

What's the best way to monitor my MoneyAccount?

Sign up for U by BB&T, our free, easy-to-use online banking. You can also get balance information by calling 877-762-9931.

What is U by BB&T?

U by BB&T is the our mobile and online banking experience that includes all the everyday features of online banking such as bill pay, transfers and online statements.

It also goes beyond everyday banking with enhanced tools and features making it easy to manage your financial life with a customizable dashboard, budgeting tools, personal payments and trackable savings goals. Access U securely from anywhere on any device. All you need to get started is a BB&T checking or savings account and an online banking user ID and password.

Is there a mobile app for U online banking?

Yes, bank anywhere from any device with the U by BB&T app for iPhone, iPad® and Android®.

  • Use Quick View Balance for balances you check on the most—no logon required
  • Collect and save all your receipts by uploading a photo
  • Access the Tip Advisor for gratuity suggestions based on service type and quality

What are account alerts?

Alerts are messages from BB&T you can get by email or through your mobile device. You can set up alerts to keep tabs on your account or to notify you when important account activities occur.1

Can I accidentally spend more than the balance on my card?

No. MoneyAccount has been designed to allow you to spend only the amount of money you've deposited.

Can my card ever have a negative balance?

It's possible a Visa merchant may put an item through without prior authorization. For example, a restaurant may automatically add an 18% gratuity to your bill's total, and BB&T would be obligated to pay for such an item. If the amount of the transaction exceeds the amount in your account, this may result in a negative balance.

In the unlikely event of such a situation, the amount of the negative balance will automatically be deducted from the next deposit made to your MoneyAccount, and you would not be charged an overdraft fee.

Security

What if my MoneyAccount card is lost or stolen?

If your MoneyAccount card gets lost or stolen—or if the account number is misused by someone else—you will be reimbursed for 100% of any unauthorized transactions.

Your MoneyAccount card comes with 24-hour support. If your card is lost or stolen, call 877-762-9931 immediately.

Are the funds in my account FDIC insured?

Yes. All MoneyAccount funds are FDIC insured. Learn more about FDIC Insurance coverage and limits.

Pricing

Is it possible to incur overdraft fees with this account?

No. MoneyAccount has been designed so you'll never incur overdraft fees.

Are there any fees associated with MoneyAccount?

Yes, there is a standard monthly maintenance fee of $5 ($3 if you load $1,000 during a month). Additional fees, such as those for ATM withdrawals outside of the BB&T network, may apply depending on your activity. See our fee schedule for full details.

What is a foreign ATM fee?

A foreign ATM fee (also known as a foreign transaction fee) is a fee charged to a cardholder for using an ATM outside of a bank's network. You can avoid this fee by using one of the more than 3,000 BB&T ATMs located in 15 states and Washington, DC.

Open an Account

By Phone

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

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