Business Checking Accounts

Checking accounts designed to help your business thrive

Select your state to see details for your location.

Your small business is a big deal to us

That's why we take the time to truly understand every aspect of your business—including the dreams and aspirations that drive it. Wherever you see your business heading, look to BB&T for informed solutions to help you get there.

Learn more about our partnership approach

Choose the checking account that fits the way you do business

Business Value 50

Each statement cycle, you'll get 50 free checking transactions and several additional benefits:

  • No monthly maintenance fees or balance requirements
  • A discount of up to $25 on your first order of business checks
  • $3,500 in no-fee cash processing
  • Next business day funding with card processing
  • No-fee online statements
  • Access to premium online banking

Business Value 200

Each statement cycle, you'll get 200 free checking transactions—and you can avoid the $12 monthly maintenance fee with one or more of the following qualifiers: 

 
  • $1,500 average monthly balance
  • $6,000 combined average monthly balances in checking accounts, money market savings accounts and/or outstanding balances on business or personal BB&T credit cards
  • A qualifying transaction from a BB&T Merchant Services account
  • $1,000 in eligible purchases each month on your BB&T business debit or credit card

Business Value 500

Each statement cycle, you'll get 500 free checking transactions—and you can avoid the $25 monthly maintenance fee with one or more of the following qualifiers:

  • $15,000 average monthly balance
  • $35,000 combined average monthly balances in checking accounts, money market savings accounts, business CDs and/or outstanding balances on business or personal BB&T credit cards
  • Two or more qualifying transactions from a BB&T Merchant Services account
  • $2,500 or more in eligible purchases each month on your BB&T business debit or credit card

Specialized checking accounts

Learn more about our checking accounts for nonprofits, public entities and legal professionals.

Business Analyzed

Benefits include:

  • Competitive monthly earnings credit rate, which can reduce or eliminate service charges
  • Ability to combine multiple BB&T Business Analyzed Checking accounts for consolidated service fee and analysis
  • No-fee monthly analysis statement with detailed information on all cash management transactions
  • Access to premium online banking, CashManager OnLine and cash management solutions

Business Interest


Benefits include:
  • Avoid the $15 monthly maintenance fee when you maintain a $6,000 average monthly balance
  • 150 free transactions and up to $5,000 in cash processing per statement cycle
  • Ability to invest temporary excess funds and maintain a liquid reserve

IOLTA

Get direct payment of interest to your state's Bar Foundation as well as:

  • No monthly maintenance fee
  • Unlimited monthly transactions
  • Competitive interest rates
  • Access to premium online banking services and cash management solutions, including our remote deposit solution, OnSite Deposit; Wire Services; Fraud Solution and many others

Community

Benefit from an affordable account with added advantages, including:

  • No monthly maintenance fees
  • No minimum balance requirements
  • No charge for coin or currency deposits

Basic Public Fund

Each statement cycle, you'll get 200 free checking transactions—and you can avoid the $12 monthly maintenance fee with one or more of the following qualifiers:

  • $1,500 average monthly balance
  • $6,000 combined average monthly balances in checking accounts, money market savings accounts and/or outstanding balances on business or personal BB&T credit cards
  • A qualifying transaction from a BB&T Merchant Services account
  • $1,000 in eligible purchases each month on your BB&T business debit or credit card

Public Fund Interest

Benefits include:

  • Avoid the $15 monthly maintenance fee when you maintain a $6,000 average monthly balance
  • 150 free transactions and up to $5,000 in cash processing per statement cycle
  • Ability to invest temporary excess funds and maintain a liquid reserve

Enjoy these account extras

The following features are available with all of our business checking accounts:

  • No-fee online statements – Access your account statements from your computer or mobile device.
  • BB&T alerts – Set text and/or email alerts for the activities that matter most to you.
  • Online and mobile banking – Enjoy around-the-clock access to your account, from any device, through BB&T Small Business Online®.
  • BB&T Business Debit Card – Track and control spending on purchases and payments.
  • Customizable checks – Choose from a wide range of style and color options.

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.

Still exploring?

Small Business Online Capabilities  (Video)

Small Business Online provides you with access to a variety of services that will save you time and simplify your day.

Small Business Online Security  (Article)

BB&T uses security tools and best practices to protect your confidential information and systems. 

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

    A $3 paper statement fee may apply. The fee is waived if you enroll in online banking and choose to receive online-only statements. Please see our Business Services Product and Pricing Guide for more information.

  • 2

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

  • 3

    BB&T Merchant Services are subject to business type and credit approval. A BB&T Merchant Services qualifying transaction is a payment card settlement (e.g., Visa®, MasterCard®, American Express®, or Discover®) from a BB&T Merchant account deposited to a linked BB&T checking account at least once during the monthly statement cycle.

  • 4

    BB&T debit cards are automatically available for BB&T business checking accounts. BB&T business credit cards are subject to credit approval. The qualifying credit cards are BB&T Visa® Business and BB&T Visa Signature Business. Eligible purchase amount threshold is calculated as follows: the business debit card purchase amount (returns will reduce the purchase amount) from the activity on your last deposit statement combined with the business credit card purchase amount (balance owed) from your last credit card statement. The following transactions performed on debit and/or credit cards do not apply: a) ATM b) refunds, returns or other adjustments c) cash advances or purchases of cash-like items, such as money orders, official checks, traveler's checks, access checks and foreign currency d) balance transfers and convenience checks e) fees of any kind such as cash advance fees, balance transfer fees, late payment fees, annual fees, over-limit fees, foreign transaction fees, insurance charges, returned check fees, enrollment fees, nonsufficient funds (NSF) fees and related service and unauthorized charges.

  • 5

    IOLTA is subject to rules governing attorney trust accounts in the state whose laws govern the account. These rules cover payment of interest and reporting of certain account activity (e.g., overdrafts, returned items) to third parties. It is the lawyer's responsibility to pay fees assessed in connection with their IOLTA accounts that are not netted against interest.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.