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BB&T's $100 Checking Account Bonus (DD Not Required) - Southeastern States Only



Update 5/10/10: Bonus has been extended to 6/06/2010.

BB&T continues to offer a $100 cash bonus for opening its free checking account and for either setting up direct deposit OR making 3 online bill payments. The promotion page is at, and the offer code is AFJAP. The promotion is scheduled to expire on 3/31/2010. I wouldn't be surprised is this gets extended. I first posted on this in September when it was originally set to expire on December.

Some important small print of the promotion includes:

  • Must be a new client (no BB&T checking in last 6 months)
  • Direct Deposit or 3 online bill payments must be completed within 60 days of account opening
  • $100 bonus will be deposited directly into your account within 4 weeks of meeting requirements
  • Bonus reported to IRS

It's an online promotion only. The online application allows ACH funding up to $1,500. You can also mail in a check or make a deposit at a branch. There's no credit card option.

The free checking account has a minimum opening deposit of $50. There are no minimum balance requirements or monthly fees. Online Bill Payment is free.

I used the bank's online chat system to ask about a hard credit inquiry. According to the CSR, "it would be a hard hit if you are primary on the application." The credit check is done through Equifax. They also use ChexSystem in the application process.

I was also told that this promotion is only for states with BB&T branches. However, they still have not completely integrated the former Colonial Bank branches, so residents of states like Texas still can't qualify (BB&T took over Colonial Bank when it failed in August 2009). According to the CSR, Colonial Bank branches will be completely merged into BB&T by the summer.

BB&T branches are located in Florida, Georgia, Alabama, North Carolina, South Carolina, Tennessee, Kentucky, Indiana, Virginia, West Virginia, Maryland and Washington DC.

BB&T is a member FDIC (FDIC Certificate # 9846).

Other Bank Bonuses

To find other bonus deals, please refer to my bank bonus page which has all of my recent bank bonus posts.

  Tags: Alabama, BB&T, Indiana, Georgia, North Carolina, West Virginia, checking account, South Carolina, Virginia, Tennessee, Kentucky, Maryland, Florida

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