BB&T Business Services Pricing Guide TENNESSEE Effective April

Transcription

BB&T Business Services Pricing Guide
TENNESSEE
Effective April 15, 2015
Checking Accounts
Business Value 200 Checking / Basic Public Fund Checking
 Minimum Opening Deposit
$100.00
 Monthly Maintenance Fee
$12.00
(No monthly maintenance fee for the first 95 days)
 To avoid monthly maintenance fee:
$1,500 average monthly balance (Business Value 200 Checking/
Basic Public Fund Checking) OR
$6,000 combined average monthly balances in checking accounts
(business/public fund/personalA), Money Rate Savings accounts (business/
public fund/personalA), Business Investor’s Deposit Accounts and/or
outstanding balances on both business and/or personal loansB, lines of
creditC and credit cardsD OR
A qualifying transaction from a BB&T Merchant Services account E
 Debits, Credits and Items Deposited
- First 200 Combined ItemsF
No Charge
- Fee per Combined Item over 200
$0.50
 Coin/Currency Deposited - $10,000 or less
No Charge
 Coin/Currency Deposited - greater than $10,000 (per $1,000)
$2.10
 Earns Interest
No
Business Analyzed Checking / Public Fund Analyzed Checking
 Credits
- Credits posted
(This refers to any credits, including paper and electronic)
- Deposited items – per item
(In addition to credits posted)
 Debits
- Check Paid – per item
- Other Debit – per item
 Coin and Currency, Per $1,000 Deposited
 Earns Interest
$100.00
$20.00
$0.80
$0.13
$0.19
$0.19
$2.00
No
Business Value 500 Checking
$100.00
$25.00
$5,000 minimum daily balance (Business Value 500 Checking) OR
$15,000 average monthly balance (Business Value 500 Checking) OR
(business/public fund/ personalA), Money Rate Savings accounts
(business/managed/public fund/personalA), business CDs and/or
outstanding balances on both business and/or personal loansB,
lines of creditC and credit cardsD OR
$50,000 average monthly balance in Business Investor’s Deposit
Account
No Charge
$0.50
No Charge
$2.10
 Earns Interest
No
Earnings2 Checking / Earnings2 Checking – Public Funds
 Credits
- Credits posted
 Debits
 Coin Rolling (Per Roll)
 Earns Interest
$100.00
$26.00
$0.85
$0.13
$0.22
$0.22
$2.00
$0.12
Yes
Service charges on the above accounts may be reduced or eliminated through
an earnings credit.G
The prices listed for Business Analyzed Checking are also applicable to Collateral
Reserve Checking, Intercompany Checking and Public Special Money Rate
Checking.
The prices listed for Earnings2 Checking are also applicable to Intercompany
Interest Checking.
Business Interest Checking / Public Fund Interest Checking
Community Checking
$6,000 average monthly balance
 Earns Interest
$100.00
$15.00
No Charge
$0.50
No Charge
$2.10
Yes
Minimum Opening Deposit
Monthly Maintenance Fee
Balance requirements
Debits, Credits and Items Deposited
 Coin Roll and Currency Sales
 Coin and Currency Deposited
 Earns Interest




$100.00
No Charge
None
No Charge
$0.25
No Charge
No Charge
No
Personal accounts of business owners only.
loans include loans originated in a branch; including personal loans and loans secured by savings/CDs/stocks (excludes 1st and 2nd closed end personal loans secured by
a residence and Sales Finance loans).
C Personal lines of credit include Preferred Lines and Home Equity Lines.
D Accounts, loans, lines of credit and credit cards are subject to credit approval.
E Subject to business type and credit approval. A BB&T Merchant Services qualifying transaction is a payment card settlement (e.g., Visa®, MasterCard®, American Express® or
Discover®) from a BB&T Merchant account deposited to a linked BB&T checking account at least once during the monthly statement cycle.
F Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, and electronic debits and credits (including debit card
transactions).
G Earnings Credit (ECR) is calculated by applying the earnings credit rate to the average positive collected balance for services in the account. The earnings credit rate is determined
by the Bank and is subject to change at the Bank’s discretion.
A
B Personal
Equal Housing Lender. © 2015, Branch Banking and Trust Company. Member FDIC.
Rev. 4/15/2015, Page 1
TENNESSEE
Commercial Checking Accounts
Commercial Interest Checking
 Credits
- Credits posted
 Debits
 Earns Interest
$100.00
$20.00
$0.80
$0.13
$0.19
$0.19
$2.00
Yes
Interest on Lawyers’ Trust Accounts (IOLTA) Checking
 Credits
- Credits posted
 Debits
 Earns Interest
$100.00
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Yes
This account is subject to rules governing attorney trust accounts in the state whose
laws govern this account. These rules cover payment of interest, reporting of
information to third parties (OD, NSF, etc.).
Money Market and Investment Accounts
Business Money Rate Savings / Public Fund Money Rate Savings
$100.00
$10.00
$250 minimum daily balance OR
$500 average monthly balance OR
One recurring pre-authorized deposit or transfer of at least $100 per
monthly statement cycle
 Credits
- Credits posted
No Charge
First 20 deposited items
No Charge
Fee per deposited item over 20
$0.39
 Transfers / Withdrawals
- Six (6) transfers or withdrawals per monthly statement cycleH No Charge
- Excessive Activity Fee (after six) – per item
$15.00
- BB&T 24 ATM and in-branch withdrawals
No Charge
(Business/Public Fund Money Rate Savings accounts are subject to
funds transfer charges when transfers are made through a BB&T
Phone24 associate)
No Charge
$2.10
 Earns Interest
Yes
Business Investor’s Deposit Account (BIDA)
$100.00
$15.00
$10,000 minimum daily balance
 Credits
- Credits posted
No Charge
No Charge
$0.39
$15.00
No Charge
Phone24 associate)
No Charge
$2.10
 Earns Interest
Yes
The prices listed for Business Money Rate Savings are also applicable to Business
Managed Money Rate Savings.
H Per
regulation, Money Market and Investment Accounts are ONLY permitted to have six (6) transfers or withdrawals during any monthly 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.
Rev. 4/15/2015, Page 2
TENNESSEE
Additional Banking Services
BB&T Business Debit Card
 Debit Card Replacement FeeI
 ATM & Purchase International Service Assessment Fee





$5.00
3% of transaction
amount
(Fee charged for ATM and purchase transactions performed or processed
outside the United States, Puerto Rico and U.S. Virgin Islands. International
services include purchase, credit voucher, ATM transaction and cash
disbursement original and reversal transactions)
International ATM Transaction Fee
$5.00
(Fee charged for ATM transactions outside the United States, Puerto Rico
and U.S. Virgin Islands.)
BB&T ATM Transaction Fee
No Charge
Non-BB&T ATM Transaction Fee
$2.50
(Fee charged when using any domestic ATM that is not a BB&T 24 ATM,
unless otherwise disclosed.)
ATM Mini statement (last 10 transactions or pending)
$1.00
ATM Full statement (all transactions since last statement)
$2.00
BB&T Phone 24
 Automated and Person-to-Person Inquires
Cash Processing
 Currency, Per $1,000 Supplied
 Coin (Per Roll Supplied)
Charged-Off Account Fee
Check, Deposit and Withdrawal Slip Orders
(Based on account type and style selection)
Check-Paid RejectsJ - per item
No charge
$1.20
$0.14
$0.05
$30.00
Fee may vary
$0.50
CPA Confirmation
$20.00
Credit Inquiry by Third Party
$20.00
Deposit Account Usage FeeK
Variable
Deposit Correction - per item
$7.50
Early Account Closing Fee (within 180 days of opening)
Funds Transfer between BB&T Accounts
 BB&T Small Business OnLine Transfer - Credit
 BB&T Small Business OnLine Transfer - Debit
 BB&T OnLine Transfer - Credit
 BB&T OnLine Transfer - Debit
 In-Branch Transfer - Credit
 In-Branch Transfer - Debit
 In-Branch Transfer by Phone - Credit
 In-Branch Transfer by Phone - Debit
 Phone 24 Transfer - Non-Automated Credit
 Phone 24 Transfer - Non-Automated Debit
 Phone 24 Transfer - Automated Credit
 Phone 24 Transfer - Automated Debit
$25.00
No Charge
No Charge
No Charge
No Charge
$3.00
$3.00
$2.00
$2.00
$2.00
$2.00
$1.00
$1.00
InactivityL Fee
$7.50 per month
International Services
 Branch-Initiated Wire Transfer
 CashManager OnLine Wire Transfer
 Check Collection Tracer (Per Message)
 Corporate Call Wire Transfer
 Incoming Wire Transfer
 Foreign Currency Bank Note Buys/Sales
 Foreign Currency Drafts
 Foreign Currency Overnight Delivery
 Foreign Check Returned Item
(Plus any foreign bank fee)
 Foreign Check Collection
 US Dollars Checks Drawn on Canadian Banks
 US Dollars Checks Drawn on European Banks
 Wire/Draft Tracer/Amendment (Per Message)
 Wire/Draft Recall/Stop Payment (Per Message)
$75.00
$36.00
$20.00
$50.00
$18.00
$10.00
$30.00
$20.00
$30.00
$75.00
$7.50
$35.00
$20.00
$30.00
Legal Process
(Levy/Garnishment/Attachment/etc.)
up to $125.00
Money Order
$5.00
Negative Account Balance FeeM
$36.00
(Fee assessed to your checking or savings account on the seventh calendar
Day that your account is overdrawn)
Night Depository Service (Per bag processing fee)
$2.00
Non-Depositor Check Cashing Fee for non-BB&T Checks
$8.00
Non-Depositor Check Cashing Fee for On Us (BB&T) Checks
(Applies only to checks cashed greater than $50.00)
$8.00
Official Check
$10.00
Outgoing Collection Item
$25.00
Overdraft Protection
 Automatic Overdraft Protection Transfer Fee
(Limit of one fee per linked account, per day)
- Business Value 500 Checking Clients
- All Other Clients
Overdraft/Returned Item
Payroll by ADP® (up to 5 employees)
Pre-Encoded Deposited Items
 BB&T
 Other In-State Institution
 Out-of-State Institution
 Pre-Encoded Rejects
No Charge
$12.50
$36.00
$39.99/monthly
$0.13
$0.13
$0.13
$0.50
I Fee
applies to cards replaced due to being lost, stolen, damaged, personalized card request and other circumstances. If card replacement is related to a valid dispute, the fee will
be refunded.
J Fee applies only to Business Analyzed Checking and Public Fund Analyzed Checking accounts. A Check-Paid Reject is defined as an illegible item rejected by BB&T’s items
processing equipment.
K The Deposit Account Usage Fee includes various expenses incurred by the Bank for servicing accounts. This fee applies only to Business Analyzed Checking, Public Fund
Analyzed Checking, Earnings2 Checking, Earnings2 Checking – Public Funds, Collateral Reserve Checking, and other checking accounts with ECR. The fee is assessed monthly
and disclosed on your periodic statement or client analysis statement. It is calculated per $1,000 of the average monthly balances in the account. The charge is variable and
subject to change at any time without notice.
L Inactivity is defined as having no deposits or withdrawals for 12 consecutive months in your checking account and 24 consecutive months for money market savings accounts.
Interest posted or fees charged on your account are not considered to be activity. Applies only to accounts with balances less than $1,000 and greater than $0.
M Applies only to Business Value 500 Checking, Business Value 200 Checking, Business Interest Checking, Basic Public Fund Checking and Community Checking accounts.
Rev. 4/15/2015, Page 3
TENNESSEE
Additional Banking Services - continued
Research
 Check photocopy, viewed or printed
$5.00/copy
(Check Safekeeping and Check Image clients receive their first three copies
at no charge)
 Account Research
$25.00/hour
Returned Deposited Items
 Returned Deposit / Cashed Item
$12.00
- Re-deposited (Reclear)
additional $5.00
- Return Item - Branch
additional $5.00
(Branch of Deposit, Branch of Ownership, Branch Other)
 Returned Deposited Item Special Handling Maintenance $10.00 per month
Safe Deposit Boxes
(See a BB&T representative for current pricing and availability)
 Lost Key
 Drilling Cost
Varies
$25.00
$150.00
Self-Service Coin Machine (available in a limited number of Financial Centers)
 BB&T Clients
- Less than or equal to $25.00
No charge
- Greater than $25.00
5% of total amount
 Non Clients
- All amounts
10% of total amount
Small Business OnLine Services
 Basic Service
- BB&T Small Business OnLine
- Unlimited OnLine Bill Payment
 Add Business Services
- Multiple Users Access (allow multiple users)
- ACH & Wire
- Multiple Users Access with ACH & Wire
- QuickBooks
- Quicken
 Transaction Fee
- Stop Pay
- ACH Payment – Federal Tax
- Other ACH Payments
- Direct Deposit per Recipient
- Business-to-Business
- Business-to-Consumer
 ACH Payment - Return
 ACH Payment - Notification of Change
 Domestic Wire Transfer
 International Wire Transfer
 Returned Domestic Wire Transfer
 Returned International Wire Transfer
 Book Transfer Fee
No Charge
No Charge
$5.00/monthly
$15.00/monthly
$17.00/monthly
$14.95/monthly
$9.95/monthly
$34.00
$3.00
$1.00
$1.00
$1.00
$3.00
$2.00
$15.00
$30.00
$8.00
$18.00
$12.00
Statement Services
 Deposit Statements
- Duplicate Statement Fee
$5.00 per monthly statement cycle
(An additional current statement that is mailed to an alternate address)
- Statement Copy
$7.00 + account research fees may apply
(An additional copy of a statement after receiving the original)
- Hold Statement at Bank
- 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))
- Snapshot Statement
$5.00
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))
 Account Analysis Statement
- Upon Request
No Charge
- Duplicate Copy
(A statement that is mailed to an alternate address)
- Account Analysis Invoice
(Billed Clients)
Statement Delivery and Check Options
 Online Statements
No Charge
 Check Safekeeping
No Charge
(Only paid check transaction summary is included in the statement)
 Check Images with Statement
(Front and back images of paid checks are included in the statement)
 Check Returns with Statement
(Check return is a substitute check - a digital reproduction of an original
check. It constitutes a legal check in lieu of the original check. Front and back
of a check are presented).
- Fee Per Monthly Statement Cycle
$5.00
- Additional fee per enclosed check
$0.06
(Fee is waived for Business Value 200, Basic Public Fund, Business
Value 500, Business Interest, Public Fund Interest, Community
Checking, Business MRS, Public Fund MRS, Business Managed MRS,
BIDA and IOLTA accounts)
 Overnight Statement Delivery (Per package)
$10.00
Stop Payment Order
Uncollected Funds ChargeN
Wire Transfer Services
 CashManager OnLine Wire Maintenance Fee
 CashManager OnLine Repetitive Wire Transfer
 CashManager OnLine Non-Repetitive Wire Transfer
 Corporate Call Repetitive Wire Transfer
 Corporate Call Non Repetitive Wire Transfer
 Standing Order Outgoing Wire
 Wire Repair
 Wire Advice Phone
 Wire Advice Fax
 Wire Advice U.S. Mail
 Wire Advice Email
$34.00
Prime Rate + 4.0%
$10.00/monthly
$11.00
$12.00
$17.00
$25.00
$65.00
$14.00
$10.00
$10.00
$10.00
$5.00
$4.00
$3.00
For other fees, please contact your BB&T Relationship Manager or local BB&T Financial Center
N Fee
applies only to Business Analyzed Checking, Public Fund Analyzed Checking, Public Fund Interest Checking, Collateral Reserve Checking, Intercompany Checking, Intercompany
Interest Checking, Public Special Money Rate Checking, Commercial Interest Checking, Earnings2 Checking, Earnings2 Checking – Public Funds, Business Money Rate Savings, Public
Fund Money Rate Savings and Business Investor’s Deposit Account.
Rev. 4/15/2015, Page 4
TENNESSEE
Effective August 3, 2015
Checking Accounts
Business Value 200 Checking / Basic Public Fund Checking
$100.00
$12.00
$1,500 average monthly balance (Business Value 200 Checking/
Basic Public Fund Checking) OR
(business/public fund/personalA), Money Rate Savings accounts (business/
public fund/personalA), Business Investor’s Deposit Accounts and/or
outstanding balances on both business and/or personal loansB, lines of
creditC and credit cardsD OR
A qualifying transaction from a BB&T Merchant Services account E
No Charge
$0.50
No Charge
$2.50
 Earns Interest
No
Business Analyzed Checking / Public Fund Analyzed Checking
 Credits
- Credits posted
 Debits
 Earns Interest
$100.00
$20.00
$0.80
$0.13
$0.19
$0.19
$2.00
No
Business Value 500 Checking
$100.00
$25.00
$5,000 minimum daily balance (Business Value 500 Checking) OR
$15,000 average monthly balance (Business Value 500 Checking) OR
(business/public fund/ personalA), Money Rate Savings accounts
(business/managed/public fund/personalA), business CDs and/or
outstanding balances on both business and/or personal loansB,
lines of creditC and credit cardsD OR
$50,000 average monthly balance in Business Investor’s Deposit
Account
No Charge
$0.50
No Charge
$2.50
 Earns Interest
No
Earnings2 Checking / Earnings2 Checking – Public Funds
 Credits
- Credits posted
 Debits
 Earns Interest
$100.00
$26.00
$0.85
$0.13
$0.22
$0.22
$2.00
$0.12
Yes
The prices listed for Business Analyzed Checking are also applicable to Collateral
Reserve Checking, Intercompany Checking and Public Special Money Rate
Checking.
The prices listed for Earnings2 Checking are also applicable to Intercompany
Interest Checking.
Business Interest Checking / Public Fund Interest Checking
Community Checking
$6,000 average monthly balance
 Earns Interest
$100.00
$15.00
No Charge
$0.50
No Charge
$2.50
Yes
Minimum Opening Deposit
Monthly Maintenance Fee
Balance requirements
Debits, Credits and Items Deposited
 Coin Roll and Currency Sales
 Coin and Currency Deposited
 Earns Interest




$100.00
No Charge
None
No Charge
$0.25
No Charge
No Charge
No
Personal accounts of business owners only.
loans include loans originated in a branch; including personal loans and loans secured by savings/CDs/stocks (excludes 1st and 2nd closed end personal loans secured by
a residence and Sales Finance loans).
C Personal lines of credit include Preferred Lines and Home Equity Lines.
D Accounts, loans, lines of credit and credit cards are subject to credit approval.
E Subject to business type and credit approval. A BB&T Merchant Services qualifying transaction is a payment card settlement (e.g., Visa®, MasterCard®, American Express® or
Discover®) from a BB&T Merchant account deposited to a linked BB&T checking account at least once during the monthly statement cycle.
F Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, and electronic debits and credits (including debit card
transactions).
G Earnings Credit (ECR) is calculated by applying the earnings credit rate to the average positive collected balance for services in the account. The earnings credit rate is determined
by the Bank and is subject to change at the Bank’s discretion.
A
B Personal
Rev. 8/03/2015, Page 1
TENNESSEE
Commercial Checking Accounts
Commercial Interest Checking
 Credits
- Credits posted
 Debits
 Earns Interest
$100.00
$20.00
$0.80
$0.13
$0.19
$0.19
$2.00
Yes
Interest on Lawyers’ Trust Accounts (IOLTA) Checking
 Credits
- Credits posted
 Debits
 Earns Interest
$100.00
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Yes
This account is subject to rules governing attorney trust accounts in the state
whose laws govern this account. These rules cover payment of interest and
reporting of certain account activity (e.g., overdrafts, returned items, etc.)
to third parties.
Money Market and Investment Accounts
Business Money Rate Savings / Public Fund Money Rate Savings
$100.00
$10.00
$250 minimum daily balance OR
$500 average monthly balance OR
One recurring pre-authorized deposit or transfer of at least $100 per
monthly statement cycle
 Credits
- Credits posted
No Charge
No Charge
$0.39
$15.00
No Charge
Phone24 associate)
No Charge
$2.50
 Earns Interest
Yes
Business Investor’s Deposit Account (BIDA)
$100.00
$15.00
$10,000 minimum daily balance
 Credits
- Credits posted
No Charge
No Charge
$0.39
$15.00
No Charge
Phone24 associate)
No Charge
$2.50
 Earns Interest
Yes
The prices listed for Business Money Rate Savings are also applicable to Business
Managed Money Rate Savings.
H Per
regulation, Money Market and Investment Accounts are ONLY permitted to have six (6) transfers or withdrawals during any monthly 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.
Rev. 8/03/2015, Page 2
TENNESSEE
Additional Banking Services
BB&T Business Debit Card
 Debit Card Replacement FeeI
 ATM & Purchase International Service Assessment Fee





$5.00
3% of transaction
amount
(Fee charged for ATM and purchase transactions performed or processed
outside the United States, Puerto Rico and U.S. Virgin Islands. International
services include purchase, credit voucher, ATM transaction and cash
disbursement original and reversal transactions)
International ATM Transaction Fee
$5.00
(Fee charged for ATM transactions outside the United States, Puerto Rico
and U.S. Virgin Islands.)
BB&T ATM Transaction Fee
No Charge
Non-BB&T ATM Transaction Fee
$2.50
(Fee charged when using any domestic ATM that is not a BB&T 24 ATM,
unless otherwise disclosed.)
ATM Mini statement (last 10 transactions or pending)
$1.00
ATM Full statement (all transactions since last statement)
$2.00
BB&T Phone 24
 Automated and Person-to-Person Inquires
No Charge
Cash Processing
 Branch Coin and Currency Change OrderJ
 Currency, Per $1,000 Supplied
 Coin (Per Roll Supplied)
$5.00 per order
$1.30
$0.14
$0.05
Charged-Off Account Fee
Check, Deposit and Withdrawal Slip Orders
(Based on account type and style selection)
Check-Paid RejectsK - per item
$30.00
Fee may vary
$0.50
CPA Confirmation
$20.00
Credit Inquiry by Third Party
$20.00
Deposit Account Usage FeeL
Variable
Deposit Correction - per item
$7.50
Early Account Closing Fee (within 180 days of opening)
$25.00
Funds Transfer between BB&T Accounts
 BB&T Small Business OnLine Transfer - Credit
 BB&T Small Business OnLine Transfer - Debit
 BB&T OnLine Transfer - Credit
 BB&T OnLine Transfer - Debit
 In-Branch Transfer - Credit
 In-Branch Transfer - Debit
 In-Branch Transfer by Phone - Credit
 In-Branch Transfer by Phone - Debit
 Phone 24 Transfer - Non-Automated Credit
 Phone 24 Transfer - Non-Automated Debit
 Phone 24 Transfer - Automated Credit
 Phone 24 Transfer - Automated Debit
InactivityM Fee
No Charge
No Charge
No Charge
No Charge
$3.00
$3.00
$2.00
$2.00
$2.00
$2.00
$1.00
$1.00
$7.50 per month
International Services
 CashManager OnLine Wire Transfer
 Check Collection Tracer (Per Message)
 Corporate Call Wire Transfer
 Foreign Currency Bank Note Buys/Sales
 Foreign Currency Drafts
 Foreign Currency Overnight Delivery
 Foreign Check Returned Item
 Foreign Check Collection
 US Dollars Checks Drawn on Canadian Banks
 US Dollars Checks Drawn on European Banks
 Wire/Draft Tracer/Amendment (Per Message)
 Wire/Draft Recall/Stop Payment (Per Message)
Legal Process
(Levy/Garnishment/Attachment/etc.)
Money Order
$75.00
$36.00
$20.00
$50.00
$18.00
$10.00
$30.00
$20.00
$30.00
$75.00
$7.50
$35.00
$20.00
$30.00
up to $125.00
$5.00
Negative Account Balance FeeN
$36.00
(Fee assessed to your checking or savings account on the seventh calendar
Day that your account is overdrawn)
Night Depository Service (Per bag processing fee)
$2.00
Non-Depositor Check Cashing Fee for non-BB&T Checks
$8.00
Non-Depositor Check Cashing Fee for On Us (BB&T) Checks
(Applies only to checks cashed greater than $50.00)
$8.00
Official Check
$10.00
Outgoing Collection Item
$25.00
I Fee
applies to cards replaced due to being lost, stolen, damaged, personalized card request and other circumstances. If card replacement is related to a valid dispute, the fee will
be refunded.
J Fee does not apply to Business Interest Checking, Business Value 200, Business Money Rate Savings, Business Managed MRS, Business Value 500 Checking, Business IDA,
Public Fund Interest Checking, Public Fund Money Rate Saving, Basic Public Fund Checking, Intercompany MRS, Community Checking, Community Interest Checking and Civic
Checking.
K Fee applies only to Business Analyzed Checking and Public Fund Analyzed Checking accounts. A Check-Paid Reject is defined as an illegible item rejected by BB&T’s items
processing equipment.
L The Deposit Account Usage Fee includes various expenses incurred by the Bank for servicing accounts. This fee applies only to Business Analyzed Checking, Public Fund
Analyzed Checking, Earnings2 Checking, Earnings2 Checking – Public Funds, Collateral Reserve Checking, and other checking accounts with ECR. The fee is assessed monthly
and disclosed on your periodic statement or client analysis statement. It is calculated per $1,000 of the average monthly balances in the account. The charge is variable and
subject to change at any time without notice.
M Inactivity is defined as having no deposits or withdrawals for 12 consecutive months in your checking account and 24 consecutive months for money market savings accounts.
Interest posted or fees charged on your account are not considered to be activity. Applies only to accounts with balances less than $1,000 and greater than $0.
N Applies only to Business Value 500 Checking, Business Value 200 Checking, Business Interest Checking, Basic Public Fund Checking and Community Checking accounts.
Rev. 8/03/2015, Page 3
TENNESSEE
Additional Banking Services - continued
Overdraft Protection
 Overdraft Transfer Fee
(Limit of one fee per linked account, per day)
- Business Value 500 Checking Clients
- All Other Clients
Overdraft/Returned Item
No Charge
$12.50
$36.00
Payroll by ADP® (up to 5 employees)
$39.99/monthly
Pre-Encoded Deposited Items
 BB&T
 Other In-State Institution
 Out-of-State Institution
 Pre-Encoded Rejects
$0.13
$0.13
$0.13
$0.50
Research
 Check photocopy, viewed or printed
$5.00/copy
(Check Safekeeping and Check Image clients receive their first three copies
at no charge)
 Account Research
$25.00/hour
Returned Deposited Items
 Returned Deposit / Cashed Item
$12.00
- Re-deposited (Reclear)
additional $8.00
- Return Item - Branch
additional $8.00
(Branch of Deposit, Branch of Ownership, Branch Other)
 Returned Deposited Item Special Handling Maintenance $10.00 per month
Safe Deposit Boxes
(See a BB&T representative for current pricing and availability)
 Lost Key
 Drilling Cost
Varies
$25.00
$150.00
Self-Service Coin Machine (available in a limited number of Financial Centers)
 BB&T Clients
- Less than or equal to $25.00
No Charge
- Greater than $25.00
5% of total amount
 Non Clients
- All amounts
10% of total amount
Small Business OnLine Services
 Basic Service
- BB&T Small Business OnLine
- Unlimited OnLine Bill Payment
 Add Business Services
- Multiple Users Access (allow multiple users)
- ACH & Wire
- Multiple Users Access with ACH & Wire
- QuickBooks
- Quicken
 Transaction Fee
- Stop Pay
- ACH Payment – Federal Tax
- Other ACH Payments
- Direct Deposit per Recipient
- Business-to-Business
- Business-to-Consumer
 ACH Payment - Return
 ACH Payment - Notification of Change
 Domestic Wire Transfer
 International Wire Transfer
 Returned Domestic Wire Transfer
 Returned International Wire Transfer
 Book Transfer Fee
No Charge
No Charge
$5.00/monthly
$15.00/monthly
$17.00/monthly
$14.95/monthly
$9.95/monthly
$34.00
$3.00
$1.00
$1.00
$1.00
$3.00
$2.00
$15.00
$30.00
$8.00
$18.00
$12.00
Statement Services
 Deposit Statements
- Duplicate Statement Fee
(An additional current statement that is mailed to an alternate address)
- Statement Copy
$7.00 + account research fees may apply
(An additional copy of a statement after receiving the original)
- Hold Statement at Bank
- Interim Statement
$25.00
cycle cut date (next regular statement will only include the activity since
the interim statement cut))
- Snapshot Statement
$5.00
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))
- Custom Calendar Statement Fee
$2.50 per month
 Account Analysis Statement
- Upon Request
No Charge
- Duplicate Copy
(A statement that is mailed to an alternate address)
- Account Analysis Invoice
(Billed Clients)
Statement Delivery and Check Options
 Online Statements
No Charge
 Check Safekeeping
No Charge
(Only paid check transaction summary is included in the statement)
 Check Images with Statement
(Front and back images of paid checks are included in the statement)
 Check Returns with Statement
(Check return is a substitute check - a digital reproduction of an original
check. It constitutes a legal check in lieu of the original check. Front and back
of a check are presented).
- Fee Per Monthly Statement Cycle
$5.00
- Additional fee per enclosed check
$0.06
(Fee is waived for Business Value 200, Basic Public Fund, Business
Value 500, Business Interest, Public Fund Interest, Community
Checking, Business MRS, Public Fund MRS, Business Managed MRS,
BIDA and IOLTA accounts)
 Overnight Statement Delivery (Per package)
$10.00
Stop Payment Order
Uncollected Funds ChargeO
Wire Transfer Services
 CashManager OnLine Wire Maintenance Fee
 CashManager OnLine Repetitive Wire Transfer
 CashManager OnLine Non-Repetitive Wire Transfer
 Corporate Call Repetitive Wire Transfer
 Corporate Call Non Repetitive Wire Transfer
 Standing Order Outgoing Wire
 Wire Repair
 Wire Advice Phone
 Wire Advice Fax
 Wire Advice U.S. Mail
 Wire Advice Email
$35.00
Prime Rate + 4.0%
$10.00/monthly
$11.00
$12.00
$17.00
$25.00
$65.00
$14.00
$10.00
$10.00
$10.00
$5.00
$4.00
$3.00
For other fees, please contact your BB&T Relationship Manager or local BB&T Financial Center
O Fee
applies only to Business Analyzed Checking, Public Fund Analyzed Checking, Public Fund Interest Checking, Collateral Reserve Checking, Intercompany Checking, Intercompany
Interest Checking, Public Special Money Rate Checking, Commercial Interest Checking, Earnings2 Checking, Earnings2 Checking – Public Funds, Business Money Rate Savings, Public
Fund Money Rate Savings and Business Investor’s Deposit Account.
Rev. 8/03/2015, Page 4

BB&T Business Services Pricing Guide TENNESSEE Effective April

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