Business Value 200 Checking

Our most popular account is perfect for businesses with low transaction volume

Select your state to see details for your location.

Best if you

  • Are just getting started with your business
  • Have low monthly check transactions and deposits
  • Want an affordable account with minimal balance requirements
 

Benefits

  • Get 200 free checking transactions per statement cycle and up to $10,000 in cash processing
  • Enjoy a personal checking account with no maintenance fee
  • Personalize your debit card to showcase your business
  • 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 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

Transactions and fees

During each statement cycle, you'll receive:

  • 200 combined items  free, then pay $0.50 for each additional item
  • $10,000 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 U by BB&T®
  • 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

Ready to get started?

In person

Locate a branch.

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.

Not convinced that Business Value 200 Checking is right for you?

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

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

  • 2

    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.

  • 3

    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.

  • 4

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

  • 5

    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. 

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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