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Business ServicesProduct and Pricing GuideEffective March 23, 2015Please note: The pricing in this guide applies only to BB&T accountsconverting from Citibank branches in Texas. For pricing of new accounts,please visit your BB&T financial center.B ANKIN G418558 V2.indd 1I N S UR AN CEI N V E S T M E N T S12/9/14 9:34 AM
Table of ContentsAccount Name Change Chart. 1Checking SolutionsBusiness Checking Standard Benefits. 2Other Products Offered. 2Business Value 200 Checking. 2Business Value 500 Checking. 2Business Analyzed Checking. 3Public Fund Analyzed Checking. 3Business Interest Checking. 4Public Special Money Rate Checking. 4Commercial Interest Checking. 4IOLTA Checking. 5Savings SolutionsMoney Market Deposit Standard Benefits. 5Business Money Rate Savings. 5Public Fund Money Rate Savings. 5Certificates of Deposit (Business and Public Fund). 6Borrowing SolutionsBB&T Business Loans. 6Credit Cards. 6Additional Solutions at BB&TBB&T Business Debit Card. 7BB&T ATMs. 7BB&T Small Business Online and Online Bill Payment. 7BB&T Alerts. 8BB&T Mobile Banking. 8BB&T Phone24. 8Important InformationBB&T Overdrafts. 8BB&T Overdraft Review. 8Overdraft Protection. 8Payment of Items. 9Funds Availability. 9Monthly Statements. 9Online Statements. 9Accessing Account History. 9Checks. 9FDIC Insurance. 9Other ServicesCash Management Services. 10BB&T Safe Deposit Box. 10Direct Deposit/Automatic Drafts. 10Wire Transfers. 10Image Statements. 10Fee Schedule. 11C418558 V2.indd 212/9/14 9:34 AM
Account Name Change ChartAccount Name Change ChartYour new BB&T account name has been determined based on the specific terms and conditions of your Citibank account. Ifyou have any questions, please visit your nearest financial center. Our representative will explain specific BB&T products anddiscuss options that may be better suited to you.Checking and Savings AccountsCitibank Account:CitiBusiness Streamlined CheckingCitiBusiness Preferred BankingHealthcare PackageLegal PackageAccounting PackageManufacturers/Wholesalers PackageNew BB&T Account:Business Value 200 CheckingCitiBusiness Flexible CheckingCitiBusiness Preferred BankingHealthcare PackageLegal PackageAccounting PackageManufacturers/Wholesalers PackageBusiness Value 500 CheckingCitiBusiness CheckingCitiEscrow Control CheckingEscrow Client CheckingSDA Control CheckingTenant CheckingDeposit Administrator Control DDADeposit Administrator Account Client CheckingCitiBusiness Preferred BankingHealthcare PackageLegal PackagePublic Funds CheckingCitiBusiness Interest CheckingHealthcare PackageLegal PackagePublic Funds Interest CheckingPublic Funds CheckingPublic Funds Money MarketPuerto Rico SweepNassau SweepBusiness Analyzed CheckingPublic Fund Analyzed CheckingBusiness Interest CheckingPublic Special Money Rate CheckingCommercial Interest CheckingIOLTA CheckingIOLTA CheckingIOLTACitiEscrow IOLTA Control CheckingCitiBusiness IMMACitiBusiness SavingsEscrow Client IMMADeposit Admin Client IMMAHealthcare PackagePublic Funds Money MarketPublic Fund SavingsCourt Ordered Money MarketBusiness Money Rate SavingsPublic Fund Money Rate SavingsOther AccountsCitibank Account:New BB&T Account:Certificate of DepositCertificate of DepositPublic Fund Certificate of DepositC418558 V2.indd 3Public Fund Certificate of DepositCommercial LoanBB&T LoanSafe Deposit BoxBB&T Safe Deposit BoxInternet BankingBB&T Small Business Online112/9/14 9:34 AM
Checking SolutionsBB&T offers checking accounts for businesses, community organizations, public entities and nonprofit organizations. YourBB&T Relationship Manager at your local financial center can discuss your business checking needs and help you identify thesolution that’s best for you and your business.Please visit BBT.com for a complete listing of all BB&T checking and money market accounts.Business Checking Standard BenefitsnnnnnBB&T Small Business Online with unlimited Bill PaymentBB&T Business Debit CardMobile banking with account alerts1Overdraft protection options available2An optional monthly Account Analysis statement showing your checking, money market deposits and cash managementservices in one convenient statement, separate from your monthly Deposit statementFees from your mobile or data carrier may apply.BB&T offers a variety of accounts and credit options that can be linked to your checking account to provide overdraft protection. Some products may be subject to credit approval.1 2 Other Products OfferedChecking SolutionsnnNo annual fee BB&T Visa Business Credit Card1 with BB&T Business Rewards2Next-business-day funding to your BB&T business checking account with Visa , MasterCard and Discover credit anddebit card processing3 through BB&T Merchant ServicesSubject to credit approval and business type. Member FDIC.BB&T Business Rewards is available only to BB&T Visa Business Credit Card clients with an aggregate company credit line of less than 100,000.3 BB&T Merchant Services are subject to business type and credit approval.1 2 Business Value 200 CheckingBusiness Value 200 Checking is a cost-effective account that is ideal for sole proprietorships, start-ups, and small businesseswith minimal checking activity each month. In addition to our standard benefits (see above), Business Value 200 Checking offersyou these features:n 200 free combined items1 per monthn Up to 10,000 cash processing per month freen Waived maintenance fee Bright Banking personal account for one business client7n Discount on first order of checksBusiness Value 200 Checking Pricing Information:n Monthly maintenance fee. 10.00n For each combined item1 over 200 per month. 0.50n Fee for cash deposited in excess of 10,000 per month. 2.10 per 1,000Avoid the 10.00 monthly maintenance fee with any of the following:n 1,500 average monthly balance ORn 6,000 combined average monthly balances in checking accounts (business/public fund/personal2), Money Rate Savingsaccounts (business/public fund/personal2), Business Investor’s Deposit Accounts and/or outstanding balances on bothbusiness and/or personal loans3, lines of credit4 and credit cards5 ORn A qualifying transaction from a BB&T Merchant Services account6n The letter mailed with this Guide may contain additional pricing information about this account.Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits (includingdebit card transactions).2 Personal accounts of business owners only.3 Personal loans include loans originated in a branch; including personal loans and loans secured by savings/CDs/stocks (excludes 1st and 2nd closed end personalloans secured by a residence and Sales Finance Loans).4 Personal lines of credit include Preferred Lines and Home Equity Lines.5 Loans, lines of credit and credit cards are subject to credit approval.6 Subject to business type and credit approval. A BB&T Merchant Services qualifying transaction is a payment card settlement (e.g. Visa , MasterCard , AmericanExpress or Discover ) from a BB&T Merchant account deposited to a linked BB&T checking account at least once during the monthly statement cycle.7 .Service fees apply. A monthly maintenance fee applies if the Business Value 200 Checking account is closed.1 Business Value 500 CheckingBusiness Value 500 Checking provides a comprehensive package of financial tools designed for businesses with moderateto-high checking activity and cash deposits. You’ll enjoy the standard business checking benefits (see above) as well as theseadditional features:n 500 free combined items1 per monthn Up to 20,000 cash processing per month freen Waived maintenance fee Elite Gold personal account for one business client6n Discount on first order of checksn No automatic overdraft protection transfer feeBusiness Value 500 Checking Pricing Information:n Monthly maintenance fee. 25.00n For each combined item1 over 500 per month. 0.50n Fee for cash deposited in excess of 20,000 per month. 2.10 per 1,000Avoid the 25.00 monthly maintenance fee with any of the following:n 5,000 minimum daily balance OR2418558 V2.indd 4C12/9/14 9:34 AM
nnnn 15,000 average monthly balance OR 50,000 combined average monthly balances in checking accounts (business/public fund/personal2), Money RateSavings accounts (business/managed/public fund/personal2), business CDs and/or outstanding balances on both businessand/or personal loans3, lines of credit4 and credit cards5 OR 50,000 average monthly balance in Business Investor’s Deposit AccountThe letter mailed with this Guide may contain additional pricing information about this account.Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits (includingdebit card transactions).Personal accounts of business owners only.3 Personal loans include loans originated in a branch, including personal loans and loans secured by savings/CDs/stocks (excludes 1st and 2nd closed end personalloans secured by a residence and Sales Finance Loans).4 Personal lines of credit include Preferred Lines and Home Equity Lines.5 Loans, lines of credit and credit cards are subject to credit approval.6 .Service fees apply. A monthly maintenance fee applies if the Business Value 500 Checking account is closed.1 2 Business Analyzed CheckingChecking SolutionsBusiness Analyzed Checking is a smart solution for all types of businesses and organizations with moderate-to-high levels ofaccount activity and/or cash management needs. You’ll enjoy an earnings credit allowance based on positive collected balancesthat can help you reduce or eliminate service charges. Standard business checking benefits apply (see page 2), plus manyextras including:n No balance requirementsn Unlimited check writing privilegesn An Earnings Credit: ECR feature that is calculated by applying the earnings credit rate to the average positive collectedbalance for services in the account. The earnings credit rate is determined by the Bank and is subject to change at theBank’s discretion.n The ability to group multiple Business Analyzed Checking accounts, which allows a consolidated analysis of balances andservices that can lower or cover your overall service costsn No-fee, monthly analysis statement, including detailed information regarding checking and cash management servicesseparate from your deposit statementn For online services, you can choose between BB&T CashManager OnLine for more sophisticated electronic bankingneeds, or BB&T Small Business Online with unlimited bill paymentn Wide variety of cash management services such as CashManager OnLine , BB&T OnSite Deposit , ACH PreauthorizedDraft Services, Wires, Lockbox Services, Vault and Check Imaging CD-ROM1Business Analyzed Checking Pricing Information:n Monthly maintenance fee. 20.00n Deposit and other credit (per item). 0.85n Deposited items (per item)n BB&T. 0.12n Other in-state institution. 0.12n Out-of-state institution. 0.12n Check paid and other debit (per item). 0.18n Coin and currency (per 1,000 deposited). 1.80n The letter mailed with this Guide may contain additional pricing information about this account.Service fees may apply. Please discuss with your local BB&T financial center.1Public Fund Analyzed CheckingPublic Fund Analyzed Checking is designed to meet the needs of state or federal government agencies, local municipalitiesand public agencies with high cash management activity. You’ll enjoy an earnings credit allowance based on positive collectedbalances that can help you reduce or eliminate service charges. Standard business checking benefits apply (see page 2), plusmany extras including:n No balance requirementsn Unlimited check writing privilegesn An Earnings Credit: ECR feature that is calculated by applying the earnings credit rate to the average positive collectedbalance for services in the account. The earnings credit rate is determined by the Bank and is subject to change at theBank’s discretion.n The ability to group multiple Public Fund Analyzed Checking accounts allows a consolidated analysis of balances andservices that can lower or cover your overall service costsn No-fee, monthly analysis statement, including detailed information regarding checking and cash management servicesseparate from your deposit statementn For online services, you can choose between BB&T CashManager OnLine for more sophisticated electronic bankingneeds, or BB&T Small Business Online with unlimited bill paymentn Wide variety of cash management services such as CashManager OnLine , BB&T OnSite Deposit , ACH PreauthorizedDraft Services, Wires, Lockbox Services, Vault and Check Imaging CD-ROM1Public Fund Analyzed Checking Pricing Information:n Monthly maintenance fee. 20.00n Deposit and other credit (per item). 0.85n Deposited items (per item)n BB&T. 0.12C418558 V2.indd 5312/9/14 9:34 AM
Other in-state institution. 0.12Out-of-state institution. 0.12Check paid and other debit (per item). 0.18Coin and currency (per 1,000 deposited). 1.80The letter mailed with this Guide may contain additional pricing information about this account.nnnnn1Service fees may apply. Please discuss with your local BB&T financial center.Business Interest CheckingBusiness Interest Checking is an interest-bearing checking account designed for small to medium businesses and nonprofitorganizations looking to invest temporary excess funds, maintain a liquid reserve, and generate income. Features include thestandard benefits package (see page 2), as well as:n 150 free combined items1 per monthn Up to 5,000 cash processing per month freeBusiness Interest Checking Pricing Information:n Monthly maintenance fee. 15.00n For each combined item1 over 150 per month. 0.50n Fee for cash deposited in excess of 5,000 per month. 2.10 per 1,000Avoid the 15.00 monthly maintenance fee by maintaining a 6,000 average monthly balancen The letter mailed with this Guide may contain additional pricing information about this account.Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits (includingdebit card transactions).Checking Solutions1 Public Special Money Rate CheckingPublic Special Money Rate Checking is optimal for state and federal government agencies, local municipalities and publicagencies that have a high level of checking activity and want to earn interest, or that require treasury services. This accountearns competitive interest rates compounded daily on collected balances. Features include the standard benefits package (seepage 2), as well as:n No balance requirementsn Unlimited check writing privilegesn Complimentary monthly analysis statement, including detailed information about checking and cash managementservices usedn BB&T payment solutions that help you manage your payables and receivablesn Your choice of BB&T CashManager OnLine for more sophisticated electronic banking needs, or BB&T Small BusinessOnline with unlimited bill paymentn Wide variety of cash management services such as CashManager OnLine , BB&T OnSite Deposit, ACH PreauthorizedDraft Servi
6 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. 7 Service fees apply.
