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Business Checking Accounts

Checking accounts designed to help your business thrive

Whether your business is booming or just getting off the ground, we've got you covered.

Open an account online to get BB&T Business Checking - important

Your small business is a big deal to us

That's why we take the time to truly understand every aspect of your business—including the dreams and aspirations that drive it. Wherever you see your business heading, look to BB&T for informed solutions to help you get there.

Learn more about our partnership approach

Choose the checking account that fits the way you do business

Business Value 50

For sole proprietorships or startups with lower transaction activity

Each statement cycle, you'll get 50 free checking transactions and several additional benefits:

  • No monthly maintenance fees or balance requirements
  • A discount of up to $25 on your first order of business checks
  • $3,500 in no-fee cash processing
  • Next business day funding with card processing
  • No-fee online statements1
  • Access to premium online banking

Business Value 200

Our most popular account—perfect if your business is just getting started

Each statement cycle, you'll get 200 free checking transactions—and you can avoid the $12 monthly maintenance fee with one or more of the following qualifiers:

  • $1,500 average monthly balance
  • $6,000 combined average monthly balances in checking accounts, money market savings accounts and/or outstanding balances on business or personal BB&T credit cards2
  • A qualifying transaction from a BB&T Merchant Services account3
  • $1,000 in eligible purchases each month on your BB&T business debit or credit card4

Business Value 500

For growing or expanding businesses with higher transaction activity

Each statement cycle, you'll get 500 free checking transactions—and you can avoid the $25 monthly maintenance fee with one or more of the following qualifiers:

  • $15,000 average monthly balance
  • $35,000 combined average monthly balances in checking accounts, money market savings accounts, business CDs and/or outstanding balances on business or personal BB&T credit cards2
  • Two or more qualifying transactions from a BB&T Merchant Services account3
  • $2,500 or more in eligible purchases each month on your BB&T business debit or credit card4

Learn more about our checking accounts for nonprofits, public entities and legal professionals.

Business Analyzed

For businesses with high transaction activity or cash management needs

Benefits include:

  • Competitive monthly earnings credit rate, which can reduce or eliminate service charges
  • Ability to combine multiple BB&T Business Analyzed Checking accounts for consolidated service fee and analysis
  • No-fee monthly analysis statement with detailed information on all cash management transactions
  • Access to premium online banking, CashManager OnLine and cash management solutions

Business Interest

For businesses or nonprofit organizations with lower transaction activity

Benefits include:

  • Avoid the $15 monthly maintenance fee when you maintain a $6,000 average monthly balance
  • 150 free transactions and up to $5,000 in cash processing per statement cycle
  • Ability to invest temporary excess funds and maintain a liquid reserve

IOLTA

Exclusively for legal professionals who manage general trust funds

Get direct payment of interest to your state's Bar Foundation as well as:

  • No monthly maintenance fee5
  • Unlimited monthly transactions
  • Competitive interest rates
  • Access to premium online banking services and cash management solutions, including our remote deposit solution, OnSite Deposit; Wire Services; Fraud Solution and many others

Community

For civic or nonprofit organizations with lower checking activity

Benefit from an affordable account with added advantages, including:

  • No monthly maintenance fees
  • No minimum balance requirements
  • No charge for coin or currency deposits

Basic Public Fund

Best for small public entities such as local, state or federal agencies

Each statement cycle, you'll get 200 free checking transactions—and you can avoid the $12 monthly maintenance fee with one or more of the following qualifiers:

  • $1,500 average monthly balance
  • $6,000 combined average monthly balances in checking accounts, money market savings accounts and/or outstanding balances on business or personal BB&T credit cards2
  • A qualifying transaction from a BB&T Merchant Services account3
  • $1,000 in eligible purchases each month on your BB&T business debit or credit card4

Public Fund Interest

Provides the option to invest excess funds and maintain a liquid reserve

Benefits include:

  • Avoid the $15 monthly maintenance fee when you maintain a $6,000 average monthly balance
  • 150 free transactions and up to $5,000 in cash processing per statement cycle
  • Ability to invest temporary excess funds and maintain a liquid reserve

Enjoy these account extras

The following features are available with all of our business checking accounts:

  • No-fee online statements – Access your account statements from your computer or mobile device.
  • BB&T alerts – Set text and/or email alerts for the activities that matter most to you.
  • Online and mobile banking – Enjoy around-the-clock access to your account, from any device, through BB&T Small Business Online®.
  • BB&T Business Debit Card – Track and control spending on purchases and payments.
  • Customizable checks – Choose from a wide range of style and color options.

Still exploring?

Small Business Online provides you with access to a variety of services that will save you time and simplify your day.

BB&T places the highest priority on protecting your confidential information and systems. We safeguard your BB&T Small Business Online® account in partnership with you, using security tools and best practices to help prevent fraud.

Related services

Business Debit Card

Use card controls to set spending limits on employee purchases and payments.

Merchant services

Get an efficient, secure payment solution that fits your business.

Business savings

Choose the savings account that best fits your business, and put your money to work for you.

Business credit cards

Enjoy a BB&T business credit card with competitive rates and flexible cash back options.

Change your state

See our Commercial Bank Services Agreement (PDF) for more information.

Learn more about your account, including fees and ways you can avoid them.

1A $3 paper statement fee may apply. The fee is waived if you enroll in online banking and choose to receive online-only statements. Please see our Business Services Pricing Guide (PDF) for more information.

5IOLTA is subject to rules governing attorney trust accounts in the state whose laws govern the account. These rules cover payment of interest and reporting of certain account activity (e.g., overdrafts, returned items) to third parties. It is the lawyer's responsibility to pay fees assessed in connection with their IOLTA accounts that are not netted against interest.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Equal Housing Lender icon