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Public Fund Money Rate Savings

Manage savings for your public entity easily and efficiently

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

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


  • Earn tiered rates with interest credited monthly
  • Get six free pre-authorized automatic or telephone transfers or withdrawals per month, including overdraft protection transfers1,2
  • Enjoy unlimited withdrawals and transfers at BB&T24 ATMs and BB&T branches
  • Receive free online account access with mobile banking and alerts3


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

Annual percentage yield

$0 - $9990.00%0.00%
$1,000 - $24,9990.01%0.01%
$25,000 - $49,9990.01%0.01%
$50,000 - $99,9990.01%0.01%
$100,000 - $499,9990.01%0.01%
$500,000 - $99,999,999,9990.01%0.01%

*Annual percentage yield

Convenient access

Enjoy around-the-clock access to your account.

  • Manage your account from any device3 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.

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.

Related services

Public Fund checking

Get the tools you need to manage your business assets.

Business credit cards

Enjoy a BB&T business credit card with competitive rates and flexible cash back options.

Ready to get started?

Not convinced that Public Fund Money Rate Savings 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.

1An automated overdraft protection transfer fee applies for each automated transfer. You can avoid this fee by making the transfer in advance.

2An excessive activity fee applies for each transaction over the permitted six per monthly statement cycle.

3Fees 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.

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