BB&T Account Fees » Global Financial Solutions

BB&T PERSONAL SERVICES PRICING GUIDE
Georgia, North Carolina, South Carolina
Effective June 11, 2018
Checking Accounts
Elite Gold
 Minimum opening deposit
$100.00
 Monthly maintenance fee
$30.00
 To avoid monthly maintenance fee:
– $25,000 combined deposit balance in checking,
savings, Money Rate Savings, High Performance
Money Market, Investor’s Deposit Account,
Certificate of Deposit, Individual Retirement Account
3
and/or investments through BB&T Investments or
3
BB&T Scott & Stringfellow OR
1,2
– Personal BB&T Mortgages , $150,000+
aggregate original loan amount
Senior Checking (for clients age 55 and up)
 Minimum opening deposit
$100.00
 Monthly maintenance fee
$10.00
 To avoid monthly maintenance fee:
– Combined ACH direct deposits totaling $500 or
more per statement cycle OR
– $1,000 average checking balance per statement
cycle
BB&T Bright Banking
 Minimum opening deposit
$50.00
 Monthly maintenance fee
$12.00
 To avoid monthly maintenance fee:
– Combined ACH direct deposits totaling $500 or
more per statement cycle OR
– $1,500 average checking balance per statement
cycle
BB&T Fundamentals Checking
 Minimum opening deposit
 Monthly maintenance fee

$50.00
$5.00

BB&T Student Banking (for clients up to age 24)
 Minimum opening deposit
$0
 No minimum balance requirement
 Per statement cycle product fees:
4
$3.00
Paper statement fee

BB&T Elite@Work Checking
 Minimum opening deposit
$100.00
 Monthly maintenance fee
$15.00
 To avoid monthly maintenance fee:
– Combined ACH direct deposits totaling $750 or
more per statement cycle OR
– $1,000 average checking balance per statement
cycle OR
– $15,000 combined deposit balance in checking,
savings, Money Rate Savings, High Performance
Money Market, Investor’s Deposit Account,
Certificate of Deposit, Individual Retirement Account
3
and/or investments through BB&T Investments or
3
BB&T Scott & Stringfellow OR
1,2
– Personal BB&T Mortgages , $150,000+
aggregate original loan amount
BB&T Asset Management Account
3
3
(BB&T Investments or BB&T Scott & Stringfellow )
 Minimum opening deposit
$25,000.00
(Opening amount may be in cash, check, securities,
and/or
BB&T deposit account balances.)
 Monthly Maintenance Fee
$30.00
 To avoid monthly maintenance fee:
– $50,000 combined balance in checking, savings,
Money Rate Savings, High Performance Money
Market, Investor’s Deposit Account, Certificate of
Deposit, Individual Retirement Account, and/or
3
investments through BB&T Investments or BB&T
3
Scott & Stringfellow OR
– $100,000 combined balance in checking, savings,
Money Rate Savings, High Performance Money
Market, Investor’s Deposit Account, Certificate of
Deposit, Individual Retirement Account, investments
3
through BB&T Investments or BB&T Scott &
3
Stringfellow and/or outstanding balances in direct
2
retail loans and lines of credit

1st and 2nd closed end personal loans secured by a residence only
Loans, lines of credit, and credit cards are subject to credit approval
4 To avoid a $3 monthly paper statement fee, choose online-only statements in BB&T Online Banking
1
2

3 Investment

solutions are provided by Branch Banking and Trust Company; BB&T Investments and BB&T Scott & Stringfellow, divisions of BB&T Securities,
LLC, member FINRA/SIPC. BB&T Securities, LLC is a wholly-owned nonbank subsidiary of BB&T Corporation. Securities and insurance products or annuities
sold, offered or recommended by BB&T Investments and BB&T Scott & Stringfellow are not a deposit, not FDIC insured, not guaranteed by a bank, not insured
by any federal government agency and may lose value. Insurance products are offered by BB&T Insurance Services, a subsidiary of Branch Banking and Trust
Company.
Securities and insurance products or annuities sold, offered or recommended are:
NOT INSURED BY ANY FEDERAL
NOT A DEPOSIT
NOT FDIC INSURED
GOVERNMENT AGENCY
MAY GO DOWN IN VALUE

NOT GUARANTEED BY A BANK

Rev. 06/11/2018, Page 1

BB&T PERSONAL SERVICES PRICING GUIDE
Georgia, North Carolina, South Carolina
Effective June 11, 2018
BB&T Vantage Accounts
BB&T Vantage
A select suite of deposit products for clients under
management by a BB&T Wealth or Private Advisor.
BB&T Wealth Vantage Checking
 Minimum opening deposit
$100.00
 Annual Fee
$50.00
The annual fee will be charged 3 months after
account opening and each year thereafter on your
service charge anniversary date.
 To avoid the annual fee, maintain:
– $25,000 in your BB&T Wealth Vantage Checking
account or your BB&T Vantage IDA OR
– $100,000 in any combination of total BB&T deposit
balances, loan balances (retail lines and loans,
2
Constant Credit, Credit Card and Mortgage) , BB&T
3
3
Investments balances, BB&T Scott & Stringfellow
balances, and/or BB&T Trust balances
3

If linked to an eligible BB&T Investments or BB&T
3
Scott & Stringfellow brokerage account as part of a
BB&T Vantage Asset Management Account, the
BB&T Asset Management Account pricing will
apply.

BB&T Vantage Savings
BB&T Vantage Investor’s Deposit Account
 Minimum opening deposit
$25,000.00
 Monthly maintenance fee
$25.00
 Minimum balance to avoid monthly
$25,000.00
maintenance fee
 Transfers/Withdrawals
– Six (6) transfers or withdrawals No charge
per monthly cycle
– BB&T 24 ATM and in-branch
No charge
5
withdrawals
(Investor’s Deposit Accounts are subject to fund transfer charges
when transfers are made through a BB&T Phone24 associate.)
 Excessive activity fee (after six)
$25.00 each
Per regulation, this account is ONLY permitted to have six (6)
transfers or withdrawals during any statement cycle for the
purpose of transferring funds to another BB&T account or
making third-party payments by means of a check, draft, debit
card, pre-authorized or automatic transfer, telephonic transfer,
online banking or similar order. Your account is subject to
conversion to a checking account if you repeatedly exceed the
permitted number of transactions.5

BB&T Private Vantage Checking
 Minimum opening deposit
$100.00
 Annual Fee
$50.00
The annual fee will be charged 3 months after
account opening and each year thereafter on your
service charge anniversary date.
 To avoid the annual fee, maintain:
– $15,000 in your BB&T Private Vantage Checking
account or your BB&T Vantage IDA OR
– $50,000 in any combination of total BB&T deposit
balances, loan balances (retail lines and loans,
2
Constant Credit, Credit Card and Mortgage) , BB&T
3
3
Investments balances, BB&T Scott & Stringfellow
balances, and/or BB&T Trust balances
3

If linked to an eligible BB&T Investme
nts or BB&T
3
Scott & Stringfellow brokerage account as part of a
BB&T Vantage Asset Management Account, the
BB&T Asset Management Account pricing will
apply.
2
5

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

Per regulation, you are permitted unlimited in-branch withdrawals and ATM withdrawals. See your Bank Services Agreement for details.

3 Investment

NOT GUARANTEED BY A BANK

Rev. 06/11/2018, Page 2

BB&T PERSONAL SERVICES PRICING GUIDE
Georgia, North Carolina, South Carolina
Effective June 11, 2018
Savings Accounts
Regular Savings
6
 Minimum opening deposit
$25.00
 Monthly maintenance fee
$5.00
 To avoid monthly maintenance fee:
– Minimum balance of $350 OR
– One recurring preauthorized deposit or transfer
of at least $25 per monthly statement cycle
 Transfers/Withdrawals
Two (2) transfers or withdrawals
per monthly cycle
No charge
 Excessive activity fee (after two)
3.00 each
Per regulation, regardless of fees assessed for excessive activity,
this account is ONLY permitted to have six (6) transfers or
withdrawals during any statement cycle for the purpose of
transferring funds to another BB&T account or making third-party
payments by means of a draft, debit card, preauthorized or
automatic transfer, telephonic transfer, online banking or similar
order. Your account is subject to closure if you repeatedly exceed
the permitted number of transactions.5
7

Young Savers (for clients up to age 18)
 No minimum balance requirement
 No monthly maintenance fee
Per regulation, this account is ONLY permitted to have six (6)
transfers or withdrawals during any statement cycle for the purpose
of transferring funds to another BB&T account or making third-party
payments by means of a draft, debit card, pre-authorized or
automatic transfer, telephonic transfer, online banking or similar
order. Your account is subject to closure if you repeatedly exceed
the permitted number of transactions.5
Money Rate Savings
 Minimum opening deposit
$200.00
 Monthly maintenance fee
$12.00
 Minimum balance to avoid monthly
maintenance fee
$1,000.00
 Transfers/Withdrawals
– Six (6) transfers or withdrawals
No charge
per monthly cycle
– BB&T 24 ATM and
No charge
5
in-branch withdrawals
(Money Rate Savings Accounts are subject to fund transfer
charges when transfers are made through a BB&T Phone24
associate.)
 Excessive activity fee (after six)
$15.00 each

High Performance Money Market
(A companion BB&T personal checking account is required
to open High Performance Money Market.)




Minimum opening deposit
$100.00
Monthly maintenance fee
$12.00
Minimum balance to avoid monthly
maintenance fee
$1,000.00
 Transfers/Withdrawals
– Six (6) transfers or withdrawals
No charge
per monthly cycle
– BB&T 24 ATM and in-branch
No charge
5
withdrawals
(High Performance Money Market accounts are subject to fund
transfer charges when transfers are made through a BB&T
Phone24 associate.)
 Excessive activity fee (after six)
$15.00 each
Per regulation, this account is ONLY permitted to have six (6)
transfers or withdrawals during any statement cycle for the purpose
of transferring funds to another BB&T account or making third-party
payments by means of a check, draft, debit card, pre-authorized or
automatic transfer, telephonic transfer, online banking or similar
order. Your account is subject to conversion to a checking account
if you repeatedly exceed the permitted number of transactions.5
Investor’s Deposit Account
Minimum opening deposit
$10,000.00
Monthly maintenance fee
$15.00
Minimum balance to avoid monthly
maintenance fee
$10,000.00
 Transfers/Withdrawals
– Six (6) transfers or withdrawals
No charge
per monthly cycle
– BB&T 24 ATM and
No charge
5
in-branch withdrawals
(Investor’s Deposit Accounts are subject to fund transfer charges
when transfers are made through a BB&T Phone24 associate.)
 Excessive activity fee (after six)
$15.00 each




Per regulation, this account is ONLY permitted to have six (6)
transfers or withdrawals during any statement cycle for the purpose
of transferring funds to another BB&T account or making third-party
payments by means of a check, draft, debit card, pre-authorized or
automatic transfer, telephonic transfer, online banking or similar
order. Your account is subject to conversion to a checking account
if you repeatedly exceed the permitted number of transactions.5

Per regulation, you are permitted unlimited in-branch withdrawals and ATM withdrawals. See your Bank Services Agreement for details.
is no opening deposit requirement for BB&T Student Banking clients.
7 Regular Savings service charges will apply at age 18.
6 There

Rev. 06/11/2018, Page 3

BB&T PERSONAL SERVICES PRICING GUIDE
Georgia, North Carolina, South Carolina
Effective June 11, 2018
Additional Banking Services
Account Confirmation/Verification
Backup Withholding
Remittance Fee

$20.00

$5.00 per month per account

BB&T Debit Card/BB&T ATM Card
 ATM Transactions
(Cash Withdrawals, Balance Inquiries, Transfers)
BB&T 24 ATMs
No charge
8
$3.00
Non-BB&T ATM Fee
9
$5.00
International ATM Transaction Fee
Non-BB&T & International ATM Transaction Fee
Waivers Per Statement Cycle
BB&T Wealth Vantage
U
nlimited
BB&T Private Vantage
Ten (10)
BB&T Asset Management Account
Eight (8)
Elite Gold and
BB&T Elite@Work Checking
Four (4)
BB&T Student Banking
Two (2)
Non-BB&T & International ATM Transaction
10
Surcharge Rebates per statement cycle
BB&T Wealth Vantage
Fifteen (15)
BB&T Private Vantage
Ten (10)
BB&T Asset Management Account
Eight (8)
 ATM & Purchase International Service
11
3% of transaction amount
Assessment Fee
 Card Replacement Fees
BB&T Wealth Vantage, BB&T Private Vantage,
BB&T Asset Management Account, Elite Gold
and BB&T Elite@Work Checking
No Charge
12
$5.00
BB&T Debit Card Replacement Fee
$5.00
BB&T ATM Card Replacement Fee
 Three-Day Priority Card Delivery Fee
$30.00
 ATM Mini statement
$1.50
(last 10 transactions or pending)
 ATM Current Cycle statement
$2.00
(all transactions since last statement)

BB&T OnLine® Banking Outside Transfer Service
Fees, Limits and Cut-Off Times
Type

Transfer Limits

Fees

Standard

$5,000.00 per
transaction

Inbound: Free

(3 business
days)
(or before 7 p.m.
ET)

Next
business
day
(or before 7 p.m.
ET)

Higher
transfer
limits for
eligible
accounts

$5,000.00 per day

Outbound:
$3.00

$12,500.00 per rolling
30 days
$5,000.00 per
transaction
$5,000.00 per day

Inbound: Free
Outbound:
$10.00

$12,500.00 per rolling
30 days
$10,000.00 per
transaction
$10,000.00 per day

Inbound: Free
Outbound:
$3.00

$20,000.00 per rolling
30 days

Cut-Off Times (approximate times)
To / from outside accounts

7 p.m. ET

Internal BB&T transfers

9 p.m. ET

Business loan transfers

7 p.m. ET

Transfers received on weekends and bank holidays as well as
Monday through Friday after the indicated cut-off time are effective
on the following business day.

BB&T OnLine® Banking Services
 BB&T Online Banking with Bill Pay
No charge
 Quicken
$7.95 per month
(Fee is waived for Elite Gold, BB&T Elite@Work Checking, BB&T
Asset Management Account, BB&T Wealth Vantage and BB&T
Private Vantage clients)

Charged when using any domestic ATM except a BB&T 24 ATM, unless otherwise disclosed.
Fee charged for ATM transactions outside the United States, Puerto Rico and U.S. Virgin Islands.
10 Fee charged by ATM owner.
11 Fee charged for purchase transactions and ATM transactions performed or processed outside the United States, Puerto Rico and U.S. Virgin Islands.
International transactions include purchase, credit voucher, ATM transaction and cash disbursement original and reversal transactions.
12 One replacement card will be provided at no cost during each four year cycle, and each additional replacement card requested will be subject to the $5 Debit
Card replacement fee. The fee applies to cards replaced due to being lost, stolen, damaged, personalized card request, and other circumstances. If card
replacement is related to a valid dispute, the fee will be refunded.
8
9

Rev. 06/11/2018, Page 4

BB&T PERSONAL SERVICES PRICING GUIDE
Georgia, North Carolina, South Carolina
Effective June 11, 2018
Additional Banking Services – continued
BB&T Phone24
 Automated inquiries
No charge
 Person-to-person inquiries
Elite Gold, BB&T Elite@Work Checking, BB&T
Asset Management Account, BB&T Wealth
Vantage, and BB&T Private Vantage
clients
No charge
All other clients
$2.00 per call in excess of
two per statement cycle
 Funds Transfers
Through BB&T Phone24
No charge
automated service
Through BB&T Phone24
$2.00 each
13
person-to-person
Bond/Coupon Handling
 Coupon collection
 Bond redemption
 Bond/coupon returned

$10.00
$20.00
$35.00

Charged-Off Account Fee

$30.00

Check, Deposit and
Withdrawal Slip Orders
selected

Fees may vary based on
account type and style

Collections
 Domestic collections

10% of total amount
$25.00

Inactivity Fee (GA)
 Young Savers accounts
 All other accounts if balance is
less than $1,000

No charge
$5.00 per month

Inactivity Fee (NC, SC)
 Young Savers accounts
 All other accounts if balance is
less than $1,000

Legal Process
(Levy/Garnishment/Attachment/etc.)

up to $125.00

Money Order

Coin Machine
(available in a limited number of financial centers)
BB&T Clients
 $0 – $25.00
No charge
 $25.01+
5% of total amount
Non-Clients
 All amounts

International Services
 International US Dollars/Foreign
$65.00
Currency Outgoing Wires
 Consumer/Personal Call Wire Transfer
$65.00
 Incoming/Returned International
$18.00
Wire Transfer
 Wire/Draft Recall/Stop Payment
$30.00
(per message)
 Wire/Draft Tracer/Amendment
$20.00
(per message)
 Foreign Currency Drafts
$30.00
 Foreign Currency Bank Note Buys/Sales
$10.00
 Foreign Currency Overnight Delivery
$20.00
 Foreign Check Collection
$75.00
(plus Foreign Bank Fees)
 Foreign Check Returned Item
$30.00
(plus Foreign Bank Fees)
 Foreign Check Tracer (per message)
$20.00
 US Dollar Checks Drawn on Canadian Banks $7.50
 US Dollar Checks Drawn on European Banks $35.00

$5.00

Negative Account Balance Fee
(assessed to your checking or savings account on the
seventh consecutive calendar day that your account
remains overdrawn)

$36.00

Non-Depositor Check Cashing Fee for
non-BB&T Checks

$8.00

Non-Depositor Check Cashing Fee for
On Us (BB&T
) Checks (GA)

No charge

Non-Depositor Check Cashing Fee for
On Us (BB&T) Checks (NC, SC)
(Applies to checks cashed greater than $50.00)

$8.00

Official Check
Overdraft/Returned Item

$10.00
15

$36.00

No charge
$7.50 per month

The $2 excess call fee will be waived for clients also incurring a $2 transfer fee.
Inactivity is defined as having no deposits or withdrawals for 12 consecutive months in your checking account and 24 consecutive months for a savings account.
Interest posted or fees charged on your account are not considered to be activity. Applies only to accounts with balances less than $1,000 and greater than $0.
15 BB&T limits the total number of combined Overdraft and Returned Item Fees to 6 per day. In addition, if your account is overdrawn by less than $5 at the end
of processing, you will not be charged Overdraft Fees. Returned Item Fees are not included in the $5 fee limitation.
13
14

Rev. 06/11/2018, Page 5

BB&T PERSONAL SERVICES PRICING GUIDE
Georgia, North Carolina, South Carolina
Effective June 11, 2018
Additional Banking Services – continued
Overdraft Protection
16
Overdraft Transfer Fee
(limit of one fee per linked account per day)
 BB&T Asset Management Account,
BB&T Wealth Vantage, and
BB&T Private Vantage clients
No charge
 Elite Gold and
$9.00 per transfer in excess of
BB&T Elite@Work
two per statement cycle
Checking clients
 All other clients
$12.50
Research
 Check photocopy, viewed or printed $5.00 per copy
(Check Safekeeping and Check Image clients receive their first
three copies at no charge.)
 Account Research
$25.00 per hour
Retail Account Reconcilement

$25.00 per hour

Returned Deposited/Cashed Item Fee

$12.00

Safe Deposit Boxes
(please see a BB&T representative for current pricing and
availability)
 Lost key
$25.00
 Drilling cost
$150.00
Statement Delivery and Check Options
 Online Statements
No charge
 Paper Statements
$3.00 per statement cycle
– Fee applicable to BB&T Student Banking accounts
only
– Includes Check Safekeeping (paid checks are not
included in the statement)
 Check Images with Statement
$4.00 per
statement cycle
– Fee applicable to BB&T Bright Banking,
BB&T@Work Checking and BB&T Fundamentals
Checking accounts only
– Images of paid checks are included in the
statement
 Check Enclosure with Statement
$5.00 per
statement cycle
– Fee applicable to BB&T@Work Checking
accounts only
– Copies of paid checks are included in the
statement

Statement Services
 Duplicate statement fee
$3.00
– An additional current statement that is mailed to an
alternate address
 Hold statement at branch
$5.00 per month
 Interim statement
$25.00
– A statement that is produced on a day other than
the normal statement cycle cut date (next regular
statement will only include the activity since the
interim statement cut)
 Returned statement/Undeliverable address fee $5.00
 Snapshot statement
$5.00
– A statement that is produced on a day other than
the normal statement cycle cut date (next regular
statement will include all activity beginning with the
last regular statement cycle cut date up to the
current statement cut date)
 Statement copy
$7.00 + account research fees
may apply
– An additional copy of a statement after receiving
the original
Stop Payment Order
Temporary Checks
Wire Transfers
 Domestic incoming
 Domestic outgoing
 Funds Transfer Fee

$35.00
$3.00 for 10 checks
$15.00
$30.00
$3.00

Additional Payment Products
BB&T offers other payment products. Please refer to
their product-specific fee schedules for more
information on the following products:







BB&T MoneyAccount
BB&T LEAP Account
MyLink Card
EasySend Card
Ready Access Card
BB&T Gift Card

For transfer amounts under $5, no transfer fee will be charged

Rev. 06/11/2018, Page 6

BB&T PERSONAL SERVICES PRICING GUIDE
Georgia, North Carolina, South Carolina
Effective June 11, 2018

PERSONAL SERVICES PRICING GUIDE
FOR
eSAVINGS
BB&T eSavings (may be opened only through BBT.com)
 Minimum opening deposit

 No minimum balance requirement
 Transfers/Withdrawals
Six (6) transfers or withdrawals per monthly cycle
Excessive activity fee (after six)

No charge
$3 each

(BB&T eSavings accounts are subject to fund transfer
charges when transfers are made through a BB&T
Phone24 associate)
Per regulation, regardless of fees assessed for excessive activity, this
account is ONLY permitted to have six (6) transfers or withdrawals during any
statement cycle for the purpose of transferring funds to another BB&T account
or making third-party payments by means of a check, draft, debit card,
preauthorized or automatic transfer, telephonic transfer, online banking or
similar order. Your account is subject to closure if you repeatedly exceed the
permitted number of transactions.*
*Per regulation, you are permitted unlimited in-branch withdrawals and ATM
withdrawals. See your Bank Services Agreement for details.

BBT.com

Rev. 06/11/2018, Page 7

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