Please select your state

Basic Public Fund Checking

Focus on what's important with an affordable account that works for you

Best if you

  • Are a small public entity, such as a state or federal government agency, local municipality or public agency
  • Have low monthly check transactions and deposits
  • Want an affordable account with minimal balance requirements

Benefits

  • Get up to 200 free checking transactions per statement cycle and up to $10,000 in cash processing per statement cycle
  • Next-business-day funding to your account with credit and debit processing1
  • Get a discount of up to $50 on your first order of business checks

 

Pricing

Avoid the $12 monthly maintenance fee with one or more of the following qualifiers each statement cycle:

  • $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 cards2
  • A qualifying transaction from a BB&T Merchant Services account1
  • $1,000 in eligible purchases each month on your BB&T business debit or credit card3

Transactions and fees

During each statement cycle, you'll receive:

  • 200 combined items4 free, then pay $0.50 for each additional transaction
  • $5,000 in no-fee cash processing, then pay a nominal fee (varies by state) for each additional $1,000

Learn more about pricing and fees

Convenient access

Enjoy around-the-clock access to your account.

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

Order checks through Account Services

BB&T Small Business Online

Powerful online banking services

See how easy it is to manage your business finances from your desktop or mobile devices.

Features and benefits

Put Small Business Online to work for your business.

  • Mobile-friendly design – Access the same great features whether you're in the office or on the road
  • Easy account monitoring – View accounts, make payments and transfer funds
  • Convenient notifications – Get text or email alerts about important account activities
  • Optional payment services – Move your money quickly with same-day ACH payments

Learn more about small business online - important

Ready to get started?

In person

Locate a branch.

By phone

Got questions?

800-BANK-BBT

800-226-5228

Related services

Overdraft protection

Link your BB&T checking account to another BB&T account to potentially avoid overdraft and returned item fees.

Public fund money rate savings

Use earned interest and convenient account access to meet your financial goals.

Ready to get started?

Not convinced that Basic Public Fund Checking is right for you?

Change your state

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

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

1BB&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.

2Business credit cards are subject to business type and credit approval.

3BB&T debit cards are automatically available for BB&T business checking accounts. BB&T business credit cards are subject to credit approval. Qualifying purchases from BB&T business credit cards are eligible. Purchases made with BB&T corporate, purchasing and fleet credit cards are excluded. 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.

4Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, and electronic debits and credits (including debit card transactions).

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. Equal Housing Lender icon