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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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Comment #1 by Anonymous posted on
I opened a checking account with BB&T online, received my bonus, and later tried to close my account online.  They said that I cannot close it online, but would have to come into the branch where it was opened.  I told them it was opened online.  It didn’t matter to them.  Finally, they said that I could close my account by sending them a notarized letter requesting that my account be closed.

I don’t know if anyone else had this problem, but I wanted to pass this information on so you would know what you might be getting into.

Comment #2 by Anonymous posted on
I also closed my account by letter but didn't have to have it notarized I just sent a photocopy of my ID with the letter. Anyone going to try to open an account that got a bonus before and closed out after they got the bonus?

Comment #3 by Anonymous posted on
Opened an account. Got the bonus on time according to terms and conditions. I plan to keep account opened for a while, when I go ahead and close will repost what the outcome was to close account.

Comment #4 by Anonymous posted on
Where did you fax your information to -to close the account?



Comment #5 by Anonymous posted on
I am having the same trouble trying to close my BB&T account after getting my bonus payment.

They told me that I have to go in to the bank to close it.  I was told that there are no fees on the account until a year of I still have some time.

It's BS that this bank, which allows you to fully open and fund an account online then makes you go in to close the account.

I'll try the letter first.



Comment #6 by Anonymous posted on
I have faxed a letter stating to close my account and sent in a letter through mail.

They will still not close my account. You wonder why this bank needs business!!!!!