[Expired] BB&T $200 Checking Bonus [AL, DC, FL, GA, IN, KY, MD, NC, OH, SC, TN, TX, VA, WV]

Deal has ended, view more bank account bonuses by clicking here.

Update 3/21/21: Deal is back with promo code BCPFZ, expires 6/30/21. Others might prefer the $1,000 bonus. Hat tip to John_Doe_23347

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: AL, DC, FL, GA, IN, KY, MD, NC, OH, , SC, TN, TX, VA, WV
  • Direct deposit required: Yes, two direct deposits of $500+
  • Additional requirements:
  • Hard/soft pull: Soft pull It seems like they are very persistent about overdraft protection so make sure you don’t opt in for that
  • ChexSystems: Yes
  • Credit card funding: Up to $250 (says debit card only, but credit cards will work)
  • Monthly fees: $12, avoidable
  • Early account termination fee: None
  • Household limit: One
  • Expiration date: December 31, 2020 6/30/21

The Offer

Direct link to offer

  • BB&T is offering a bonus of $200 when you open a new Bright Banking checking account and complete two qualifying direct deposits of $500+ within 75 days of account opening. Must also use promo code BCPFZ (should be auto filled)

The Fine Print

  • Valid until December 31, 2020, for new BB&T Bright Banking® accounts.
  • Must open online at BBT.com or in the U by BB&T app.
  • Payout limited to one per household.
  • Not available if household closed a BB&T personal checking account in the last 12 months or has an active account. Primary account holder must be 18+ years old at the time of account opening.
  • Applications subject to credit history review and approval. Truist employees not eligible.
  • Not available in NJ/PA. Minimum opening balance of $50 is required.
  • Account eligibility review occurs once, 76–90 days after account opening.
  • Any account not in good standing, closed or with a balance less than or equal to zero at the time we review account eligibility will not receive the $200 incentive.
  • The $200 bonus will be deposited into your new Bright Banking account within four weeks of the account eligibility review.
  • Offer can’t be combined with others, may be discontinued at any time, and is subject to change.
  • BB&T will report the value of any incentive received by any offer to the IRS as required by law.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has a $12 monthly fee, this is waived if you do either of the following:

  • Receive a direct deposit of $500 or more
  • Have an average daily balance of $1,500 or more

Early Account Termination Fee

They used to charge a $25 fee if closed within 180 days of account opening, but looks like that isn’t charged anymore. Accounts must be open at the time of bonus posting

Our Verdict

Doesn’t seem to be targeted like previous bigger bonuses for $400/$600 and also is for the easier account to keep fee free. The downside is that obviously this is significantly smaller than those bonuses. As we normally recommend doing the $200 bonus anyway we will still add this to our best bank bonus page.

Hat tip to reader edman & Charles B

Useful posts regarding bank bonuses:
    William Charles
  • On March 21, 2021, 12:00
Tags: al bank bonusescredit card fundingdc bank bonusesdirect deposit requiredfl bank bonusesga bank bonusesin bank bonusesky bank bonusesmd bank bonusesnc bank bonusesoh bank bonusessc bank bonusessoft pulltn bank bonusestx bank bonusesva bank bonuseswv bank bonuses

View Comments (205)

  • 7/21: Opened account with $300 Ally transfer (posted 7/23)
    7/26: $100 Ally transfer and $550 Schwab Brokerage
    7/28: $550 Schwab Brokerage
    10/21: $200 Bonus posted

  • DP/Warning: opened account with 50/10, got flagged by fraud and account closed without notice, and customer service couldn't close out the account via phone or even tell me what I could do to resolve the issue.

    I submitted a complaint via CFPB, and their response was to tell me to go visit a branch in-person and that they broke their own terms of service by not sending me a written notice when they closed my account. Their terms of service also said they'd mail me a check upon account closure, which they didn't.

    I visited one branch in-person, and the branch manager promised to close out my account and mail me a check, but they failed to do so, and they didn't let me know. While I was waiting for that check, I got charged a service fee for an account that I literally couldn't access in any way. I went to another branch after that and the branch manager made scans of my driver's license and closed out my account but still couldn't refund the fee, so all this trouble resulted in a net loss of $12 along with all the time wasted.

    YMMV but I'm not touching these guys with a ten foot pole in the future.

  • DP
    5/19: Opened account
    5/25: $500 Schwab Brokerage
    6/28: $500 Schwab Brokerage
    7/30: $500 actual DD
    8/27: $200 Bonus posted

  • 12/31/2020 - Signed Up for Bright Banking Checking account. I did person-to-person transfers, as I heard that was coding for a direct deposit. Unfortunately, BB&T (both corporate and my local branch) rejected this and said I did not meet the requirements. I closed my account today with no bonus. : (

  • Moved to TX and got a targeted(?!) offer

    The link has a preapplied code (BCWFZ)

    bbt.com/welcome3

    Tried to fund with a newly received chase preferred, kept an error saying I'm above the daily transfer limit

  • Received $200 bonus from opening with code BCPFZ.

    3/21: opened account
    3/22: funded $250 with Citi Double Cash
    3/23: $500 transfer from Schwab Brokerage
    3/24: $750 transfer from Schwab Brokerage
    6/28: $200 bonus paid

  • Does anyone know if you can open new accounts with BB&T from out of footprint (OOF)/out of state (OOS) if you have an existing account and login? I opened checking and savings accounts in branch from OOS in Feb, got the $300 bonus, and now am ready to close but am wondering if I should leave the Savings account open for future bonus opportunities.

  • Went to a branch in Tampa and was told I needed a targeted mailer letter. Will try at a diff branch today.

  • Yay… $300 bonus posted.
    Opened 3/6/21 $10 savings and $50 checking.
    4/15/21 $500 payroll
    4/29/21 $500 payroll
    5/14/21 $500 payroll
    5/28/21 $500 payroll

    6/12/21 BCGNJ bonus posted.

  • DP
    2/27: Opened checking $50 + savings $100
    3/5: $255 payroll deposit
    3/18: $1000 from Cap One 360 to meet min bal
    3/19: $255 payroll deposit
    5/25: $300 bonus posted for BCNGJ BONUS PAYMENT

Leave a Comment