Public Fund Money Rate Savings

Manage savings for your public entity easily and efficiently

Select your state to see details for your location.

Best if you

  • Are a state or federal government agency, local municipality or public agency
  • Have low to moderate savings balances
  • Want to earn interest on your deposits
  • Need easy access to funds

Benefits

  • Earn tiered rates with interest credited monthly
  • Get six free pre-authorized automatic or telephone transfers or withdrawals per month, including overdraft protection transfers ,
  • Enjoy unlimited withdrawals and transfers at BB&T24 ATMs and BB&T branches
  • Receive free online account access with mobile banking and alerts

Pricing

Avoid the $10 monthly maintenance fee with one or more of the following qualifiers each statement cycle:

  • $250 minimum daily balance
  • $500 average monthly balance
  • Monthly preauthorized deposit or transfer of at least $100

Learn more about pricing and fees

Convenient access

Enjoy around-the-clock access to your account.

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

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.

BB&T small business online. BB&T offers powerful online banking services that help you manage the day to day finances of your business, anytime, anywhere. Regardless of the device you're on, BB&T small business online fits the way you prefer to bank. Accounts, transactions, and more, log in to see all of your accounts and balances, as well as recent transactions at a glance. 

Easily access frequently used features with simple navigation. Select an account to see your account details all in one place. Check current balance, review pending and post transactions, and view check images, all accessible, whether you're at your desk or on the go. Business services. When you enroll in business services, you enhance your account with more options, including ACH and wire payments, adding additional users, and self-service payroll. 

As your business grows, you can give account access to people you designate and customize the access they have to your accounts. Payments and transfers. Making payments to businesses and individuals, including contractors and employees is simple. From payments and transfers, select how fast you need the payment to get there, and tell us who you need to pay. 

Moving money has never been easier. A list of upcoming payment and transfers is located just where you need it. Alerts. Account alerts deliver notifications to you by email or text message. Security alerts keep you informed and important changes to your accounts. Set up customizable alerts to be notified of low balances, recent deposits, withdrawals over a certain amount, and other account activity. 

Whether you choose to bank from your desk, a tablet, or mobile phone, we know you are on the go. BB&T small business online is there when you need it. Log on at BBT.com and get started with BB&T small business online.

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 moreabout small business online

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.

Ready to get started?

Not convinced that Public Fund Money Rate Savings 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

    An automated overdraft protection transfer fee applies for each automated transfer. You can avoid this fee by making the transfer in advance.

  • 2

    An excessive-activity fee applies for each transaction over the permitted six per monthly statement cycle.

  • 3

    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.