Strategic Credit

Tailored credit solutions designed with you in mind

When applied effectively, credit can be a powerful financial lever to substantially enhance your monetary returns

As a BB&T Wealth client, you'll have access to an outstanding suite of exclusive credit-related services and Wealth lending specialists.

Mortgages

We can tailor one of our premium lending packages to your specific needs, whether you're:

  • Looking to buy or build your dream home
  • Ready to purchase that perfect vacation or second home
  • A physician in residency or just starting out in practice
  • Interested in a loan that exceeds the maximum amount allowed by most lenders
  • Exploring your refinancing options and looking for highly competitive rates and terms

Home equity

With flexible repayment options, minimal costs and fees, and up to 100% tax deductible interest,  you can use your home equity line to:

  • Remodel your home
  • Pay tax obligations
  • Fund a business opportunity
  • Consolidate higher-cost loans
  • Purchase luxury items, such as a car, boat or fine art
  • Inject capital into your business
  • Add to your real estate portfolio

Securities-secured

Use your BB&T or BB&T-affiliate securities accounts as collateral for loans and lines of credit.

  • Low cost to initiate
  • Easy access to funds by check, fund transfer or wire transfer
  • Potential deferment of capital gains taxes on your securities investments
  • Flexibility to use for a variety of purposes
  • Potential tax advantages related to interest expense

Unsecured

In addition to checks, you'll have easy, 24-hour access to your account with online banking.

  • Includes loans and lines of credit
  • No collateral required
  • Flexible repayment options
  • Variable interest rate

Auto, marine & aircraft

Custom financing with competitive rates and a variety of flexible options, including:

  • Vehicle loans
  • Personal aircraft financing
  • Marine and watercraft financing

Customizable solutions

Your BB&T Wealth advisor works to attain customized solutions on your behalf based on a full understanding of your financial plan, leveraging our lending network experts and resources to help meet both short-term liquidity needs and deliver longer term cash-flow solutions that:

  • Secure the funds you need without having to liquidate assets
  • Benefit from special financing options and tax advantages
  • Consolidate debt, reduce interest costs and lower your monthly payments

 

Credit cards

Enjoy rich rewards and best-in-class service with cards exclusively for you.

  • The BB&T Vantage® Visa Signature® credit card delivers 1.5% cash back on purchases with no fees
  • With the BB&T Spectrum Travel Rewards credit card, earn 2x miles on your travel purchases and more

Ready to take the next step?

Schedule appointment

Choose a time for an advisor to call you.

Call now

Speak with an advisor.

800-228-9798

Still exploring?

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Integrated services

Your BB&T Wealth advisor will help you create a comprehensive, strategic plan to integrate and coordinate your banking, credit, investments, risk management, and trust and estate planning services.

Banking

Optimize your cash flow with access to our premier banking services and preferred rates.

Comprehensive Financial Planning

Simplify your complex financial life with a BB&T Wealth advisor who can help you see the big picture.

Retirement and Investing

Bring your short- and long-term financial goals into focus with customized planning and investment strategies as well as self-directed services.

  • 1

    Consult your tax advisor for details. A 1098 will be issued as required by law.

  • 2

    You may earn rewards on eligible purchases made with your credit card. Eligible purchases include any signature-based purchase, Internet purchase, phone or mail-order purchase or automatic bill payment, excluding cash advances, traveler’s checks, access checks, balance transfers, money orders, cash equivalents, fees, interest charges, credit insurance, fraudulent transactions, credits and returns (each a qualifying purchase).

Loans, lines of credit and credit cards are subject to credit approval.

Only deposit products are FDIC insured.

Traditional banking services are provided by Truist Bank, Member FDIC and Equal Housing Lender.  

Investment and Insurance Products:

• Are not FDIC or any other Government Agency Insured • Are Not Bank Guaranteed • May Lose Value

Truist, BB&T®, BB&T Securities®, BB&T Sterling Advisors, Sterling Capital®, BB&T Investments, BB&T Scott & Stringfellow®, SunTrust®, SunTrust PortfolioView, SunTrust Robinson Humphrey®, SunTrust Premier Program®, AMC Pinnacle®, AMC Premier®, Access 3®, Signature Advantage Brokerage, Custom Choice Loan®, SunTrust SummitView® and GFO Advisory Services® are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc. and BB&T Securities, LLC, and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRA, SIPC, and a licensed insurance agency where applicable.  Investment advisory services are offered by SunTrust Advisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, Precept Advisory Group, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers.  BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow are divisions of BB&T Securities, LLC.   Mutual fund products are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.

The information contained herein is for informational purposes only and does not represent an official statement of your SunTrust Investment Services, Inc. account. Please refer to your monthly or quarterly statements for a complete record of your transactions, holdings, and balances.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Private Wealth Management, International Wealth Management, GenSpring, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank now Truist Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor and/or attorney regarding your individual circumstances.

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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