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Public Fund Interest Checking

Grow your funds the simple way

Earn compounded interest every day for your public entity.

Best if you

  • Are a small public entity, such as a state or federal government agency, local municipality or public agency
  • Have a relatively low amount of check transactions and deposits
  • Want an affordable account with the option to avoid monthly maintenance fees


  • Ability to invest temporary excess funds and maintain a liquid reserve
  • 150 free transactions and up to $5,000 in cash processing per statement cycle
  • Next-business-day funding to your account with credit and debit processing1


  • Avoid the $15 monthly maintenance fee when you maintain a $6,000 average monthly checking balance

Transactions and fees

During each statement cycle, you'll receive:

  • 150 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 device5 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?



Related services

Merchant services

Get an efficient, secure payment solution that fits your business.

Overdraft protection

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

Ready to get started?

Not convinced that Public Fund Interest 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.

2Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, and electronic debits and credits (including debit card transactions).

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