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BB&T's $100 Checking Account Bonus - Southeastern States Only



BB&T continues to offer a $100 cash bonus for opening its free checking account. However, they have made it a little harder to get the full $100. Here are the steps required:

  • Open a Free BB&T checking account online by 8/31/2010
  • Register online at
  • Get $50 for making 10 online bill payments ($25 minimum payment) within 90 days of account opening
  • Get $50 for receiving two direct deposits of at least $50 from the same source within 90 days of account opening

Here's the direct link to the promotions page. It's also mentioned at BB&T's home page.

The old promo in March made it easier to qualify for the $100 bonus. It could be done with only 3 online bill payments. No direct deposit was required.

In my March post, several readers have reported that BB&T makes it difficult to close accounts. If you can't make it into a branch, you may be required to mail in a notarized letter requesting that the account to be closed. One reader commented that he wasn't required to mail a notarized letter, but instead he was required to mail a copy of his ID with the letter.

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 asked the CSR in March 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 BB&T accounts can only be opened in states with BB&T branches. That now includes Texas (BB&T took over Colonial Bank and its Texas branches when it failed in August 2009).

It's an online promotion only. However, in the small print it states that it's available at the branches in AL, FL and TX. BB&T branches are located in Florida, Georgia, Alabama, North Carolina, South Carolina, Tennessee, Kentucky, Indiana, Texas, 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. Some additional bonus deals are also in the checking account discussion forum.

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

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Comment #1 by Tom Roberts (anonymous) posted on
Tom Roberts
Chase Bank has a $100 checking offer too, this one sounds easier to get the $100 bonus.  

Chase has a new checking offer!  Get $100 when you open a Chase Checking account, you’ll need to make 5 debit card purchases or set up direct deposit.  The offer is good until August 14, 2010, and you can apply online or get a coupon to take to a branch.


Here’s URL:



And here’s the bonus information:

Bonus/Account Information — Offer valid through 8/14/10. To qualify for the bonus you must open a new Chase CheckingSM account with a $100 minimum deposit of new money (money not currently held by Chase or its affiliates). Also, within 60 calendar days of account opening, we must receive from your employer or the government a monthly electronic direct deposit of your payroll, pension or government benefits, such as Social Security, or you must have at least five debit card purchases posted to your account. The reward will be deposited into your new account within 10 business days after meeting one of these requirements. Bonus is not considered part of minimum opening deposit. Limit one checking account-related reward/premium per customer, per calendar year. Offer not available on account conversions or in combination with any other offer. Offer not available to existing Chase checking customers. Employees of JPMorgan Chase Bank, N.A. and our affiliates are not eligible. Checking account must remain open for a minimum of six months or the bonus will be debited from the account at closing. Account is subject to approval. Bonus is considered interest and will be reported on IRS form 1099-INT

Comment #2 by Anonymous posted on
A bit off topic but may be of interest.  Recently, BB & T sent out letters informing customers that a change in the withdrawal penalties was about to be instigated.  This change left the "months of interest" lost part of the penalty the same but added to that by adding a 25$ penalty if the penalty would be less than that.  So the penalties on CD's now are the usual lost of interest OR $25 or whichever is GREATER.  This change affects not just new CD's but those already opened no matter when that was.  In other words, the bank changed the rules in the middle of the game.   I can see that a bank has he right to change such things for any new CD's but do not see how they can justify it ethically to change the rules AFTER the CD has been opened.  The customer certainly cannot stroll into the bank and change the rules of the CD whenever they want to even if they give the bank 30 days notice.  The customer service person was at least honest enough to tell me that the reason it has been changed was that customers had been closing CD's early if they find higher rates somewhere else.  So in effect, BB&T is ****ing their customers and treating them like indentured servants.  Their rates right now are the pits so I would not be opening any new CD's there anyway but this makes it even more unlikely that I will in the future.  It is not the penalty that bothers me as I agree banks can set whatever penalties they want, but to change the rules in the middle of the game is unethical and unAmerican.  Evidently, with 30 days notice they could change the penalty to ALL of the interest if they wanted to do so or even change the rules so you cannot not close the CD at all once the 30 day notice has passed. 

Comment #9 by AtlantaWolf posted on
Watch your statements, my "free" checking was to be converted to "bright" checking with a direct deposit requirement of $100/mo or $1,500 minimum balance to avoid a $10/mo fee. Since its been open then 90 days, I just closed the account.