Download BB&T Personal Services Pricing Guide ALABAMA Effective June 30 PDF

TitleBB&T Personal Services Pricing Guide ALABAMA Effective June 30
LanguageEnglish
File Size84.3 KB
Total Pages7
Document Text Contents
Page 1

BB&T Personal Services Pricing Guide
ALABAMA

Effective January 1, 2019

© 2019, Branch Banking and Trust Company is a Member FDIC and Equal Housing Lender.


Rev. 02/10/2019, Page 1

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
and/or investments through BB&T Investments3 or
BB&T Scott & Stringfellow3 OR
- Personal BB&T Mortgages1,2, $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 $50.00
 Monthly maintenance fee $5.00

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

Paper statement fee5 $3.00





BB&T [email protected] 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
and/or investments through BB&T Investments3 or
BB&T Scott & Stringfellow3 OR
- Personal BB&T Mortgages1,2, $150,000+
aggregate original loan amount


BB&T Asset Management Account
(BB&T Investments3 or BB&T Scott & Stringfellow3)
 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
investments through BB&T Investments3 or BB&T
Scott & Stringfellow3 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
through BB&T Investments3 or BB&T Scott &
Stringfellow3 and/or outstanding balances in direct
retail loans and lines of credit2








1 1st and 2nd closed end personal loans secured by a residence only.
2 Loans, lines of credit, and credit cards are subject to credit approval.
4 Upon 24th birthday or upon reaching the graduation date provided to the Bank, whichever occurs later, the account will be converted to Bright Banking or
Fundamentals Checking based on a review of account activity and balances for the three month period prior to conversion.
5 To avoid a $3 monthly paper statement fee, choose online-only statements in BB&T Online Banking.



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 McGriff Insurance Services, a subsidiary of BB&T Insurance Holdings Inc.


Securities and insurance products or annuities sold, offered or recommended are:

NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT FDIC INSURED

MAY GO DOWN IN VALUE NOT GUARANTEED BY A BANK

Page 2

BB&T PERSONAL SERVICES PRICING GUIDE
ALABAMA

Effective January 1, 2019


© 2019, Branch Banking and Trust Company is a Member FDIC and Equal Housing Lender.


Rev. 02/10/2019, Page 2

BB&T Vantage Accounts

BB&T Vantage
A select suite of deposit products for clients under
management by a BB&T Wealth Advisor.

BB&T 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 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, Constant Credit, Credit Card and Mortgage)2,
BB&T Investments3 balances, BB&T Scott &
Stringfellow3 balances, and/or BB&T Trust balances

If linked to an eligible BB&T Investments3 or BB&T
Scott & Stringfellow3 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
withdrawals6

 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.6



































2 Loans, lines of credit, and credit cards are subject to credit approval.
6 Per regulation, you are permitted unlimited in-branch withdrawals and ATM withdrawals. See your Bank Services Agreement for details.



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 McGriff Insurance Services, a subsidiary of BB&T Insurance Holdings Inc.


Securities and insurance products or annuities sold, offered or recommended are:

NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT FDIC INSURED

MAY GO DOWN IN VALUE NOT GUARANTEED BY A BANK

Page 3

BB&T PERSONAL SERVICES PRICING GUIDE
ALABAMA

Effective January 1, 2019


© 2019, Branch Banking and Trust Company is a Member FDIC and Equal Housing Lender.


Rev. 02/10/2019, Page 3

Savings Accounts

Regular Savings
 Minimum opening deposit7 $25.00
 Monthly maintenance fee $5.00
 To avoid monthly maintenance fee:

- Minimum balance of $200 OR
- One recurring preauthorized deposit or transfer
of at least $25 per monthly statement cycle

 Transfers/Withdrawals
Two (2) transfers or withdrawals No charge
per monthly cycle

 Excessive activity fee (after two) $2.00 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.6
Young Savers8 (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.6

Money Rate Savings
 Minimum opening deposit $200.00
 Monthly maintenance fee $12.00
 Minimum balance to avoid monthly

maintenance fee $1,500.00
 Transfers/Withdrawals

- Six (6) transfers or withdrawals No charge
per monthly cycle

- BB&T 24 ATM and in-branch No charge
withdrawals6

 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.6

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
withdrawals6

 Excess 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.6

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 in-branch No charge
withdrawals6

 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.6




















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

Page 4

BB&T Personal Services Pricing Guide
ALABAMA

Effective January 1, 2019


© 2019, Branch Banking and Trust Company is a Member FDIC and Equal Housing Lender.


Rev. 02/10/2019, Page 4

Additional Banking Services

Account Confirmation/Verification $20.00

Backup Withholding
Remittance Fee $5.00 per month per account

BB&T Debit Card/BB&T ATM Card
 ATM Transactions

(Cash Withdrawals, Balance Inquiries and Transfers)
BB&T 24 ATMs No charge
Non-BB&T ATM Fee9 $3.00
International ATM Transaction Fee10 $5.00
Non-BB&T & International ATM Transaction Fee
Waivers per statement cycle

- BB&T Vantage Checking Unlimited
- BB&T Private Vantage Ten (10)
- BB&T Asset Management Account Eight (8)
- Elite Gold and
BB&T [email protected] Checking Four (4)
- BB&T Student Banking Two (2)

Non-BB&T & International ATM Transaction
Surcharge Rebates11 per statement cycle

- BB&T Vantage Checking Fifteen (15)
- BB&T Private Vantage Ten (10)
- BB&T Asset Management Account Eight (8)

 ATM & Purchase International Service
Assessment Fee12 3% of transaction amount

- BB&T Vantage Checking No charge
- BB&T Private Vantage No charge

 Card Replacement Fees No charge
 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 Services
 BB&T Online Banking with Bill Pay No charge
 Quicken $7.95 per month
(Fee is waived for Elite Gold, BB&T [email protected] Checking, BB&T
Asset Management Account, BB&T Vantage Checking and BB&T
Private Vantage clients)


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

Type Transfer Limits Fees

Standard
(3 business
days)

(or before 7 p.m.
ET)

$5,000.00 per
transaction

$5,000.00 per day

$12,500.00 per rolling
30 days

Inbound: Free

Outbound:
$3.00

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

$5,000.00 per
transaction

$5,000.00 per day

$12,500.00 per rolling
30 days

Inbound: Free

Outbound:
$10.00

Higher
transfer
limits for
eligible
accounts

$10,000.00 per
transaction

$10,000.00 per day

$20,000.00 per rolling
30 days

Inbound: Free

Outbound:
$3.00



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.





















9 Charged when using any domestic ATM except a BB&T 24 ATM, unless otherwise disclosed.
10 Fee charged for ATM transactions outside the United States, Puerto Rico and U.S. Virgin Islands.
11 Fee charged by ATM owner.
12 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.

Page 5

BB&T Personal Services Pricing Guide
ALABAMA

Effective January 1, 2019


© 2019, Branch Banking and Trust Company is a Member FDIC and Equal Housing Lender.


Rev. 02/10/2019, Page 5

Additional Banking Services - continued

BB&T Phone24
 Automated inquiries No charge
 Person-to-person inquiries No charge
 Funds Transfers

Through BB&T Phone24 No charge
automated service
Through BB&T Phone24 $2.00 each
person-to-person13

Bond/Coupon Handling
 Coupon collection $10.00
 Bond redemption $20.00
 Bond/coupon returned $35.00

Charged-Off Account Fee $30.00

Check, Deposit and Fees may vary based on
Withdrawal Slip Orders account type and style
selected
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 10% of total amount

Collections
 Domestic collections $25.00

Inactivity Fee No charge

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

Legal Process
(Levy/Garnishment/Attachment/etc.) up to $125.00

Money Order $5.00

Negative Account Balance Fee $36.00
(assessed to your checking or savings account on the
seventh consecutive calendar day that your account
remains overdrawn)

Non-Depositor Check Cashing Fee for $8.00
non-BB&T Checks

Non-Depositor Check Cashing Fee for $8.00
On Us (BB&T) Checks
(Applies to checks cashed greater than $50.00)

Official Check $10.00

Overdraft/Returned Item14 $36.00

Overdraft Protection
Overdraft Transfer Fee15
(limit of one fee per linked account per day)

 BB&T Asset Management Account,
BB&T Vantage Checking and
BB&T Private Vantage clients No charge

 Elite Gold and $9.00 per transfer in excess of
BB&T [email protected] 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













13 The $2 excess call fee will be waived for clients also incurring a $2 transfer fee.
14 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.
15 For transfer amounts under $5, no transfer fee will be charged.

Page 6

BB&T Personal Services Pricing Guide
ALABAMA

Effective January 1, 2019


© 2019, Branch Banking and Trust Company is a Member FDIC and Equal Housing Lender.


Rev. 02/10/2019, Page 6

Additional Banking Services - continued

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&[email protected] Checking and BB&T Fundamentals
Checking accounts only
- Front and back images of 5 paid checks per page
side are included in the statement

 Enhanced Check Images with Statement $5.00 per
statement cycle
- Fee applicable to BB&[email protected] Checking
accounts only
- Larger images of 3 paid checks per page 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 $5.00 + account research fees
may apply
- An additional copy of a statement after receiving
the original

Stop Payment Order $35.00

Temporary Checks $4.00 for four checks
(a minimum of four checks is required)

Wire Transfers
 Domestic incoming $15.00
 Domestic outgoing $30.00
 Funds Transfer Fee $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

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