$100 account opening bonus at BB&T Bank

http://www.bbt.com/bbt/cashoffer/?ReferralSource=AG&cmpid=1036

Eligibility: This special limited time offer is available to new clients that open a new personal checking account between 08/28/09 and 10/31/09 through BBT.com. A new client is a person who is not currently a signer and who was not a signer within the last 6 months on any BB&T personal checking account. Offer is subject to change or withdrawal at any time without notice, and cannot be combined with any other offer. Offer is limited to one incentive per household, and does not apply to second or multiple personal accounts. In order to receive the $100 incentive, new clients must do at least one of the following: 1) Use our online bill payment service to initiate 3 online bill payments from your new checking account within 60 days of account opening, OR 2) Enroll in and receive a direct deposit to the new personal checking account within 60 days of account opening. Any accounts not in good standing, closed, and/or with a balance less than or equal to zero at the time we review account eligibility will not receive the incentive. Normal minimum balance opening requirements apply.

The $100 account opening incentive will be deposited directly to your account within 4 weeks of meeting the above requirements, and will be reported to the IRS as required by law. For illustrative purposes only, a Classic Banking account opened through BBT.com earns 0.02% Annual Percentage Yield (APY) on balances between $0.00 and $2,499; 0.10% APY on balances between $2,500 and $24,999; and 0.10% APY on balances greater than $25,000. Rates are accurate as of 8/15/09 and are subject to be changed without notice. Actual APY may vary according to state, account and balance in the account.

credit card funding? hard pull?

uutxs said: No go for me; must be in one of the states BB&T operates in.

We're sorry, but the address you have entered is outside of our service area. BB&T currently serves clients within eleven states and the District of Columbia. If you maintain second residence within one of the following states, please use that address for your application:

•Alabama
•Florida
•Georgia
•Indiana
•Kentucky
•Maryland
•North Carolina
•South Carolina
•Tennessee
•Virginia
•Washington, D.C.
•West Virginia
If you do not have a residence within our service area, we thank you for your interest in BB&T, but we are unable to help you at this time. We encourage you to check back occasionally. BB&T is growing rapidly and we may be in your state soon.

Ha! GA finally gets one that TX and CA don't. Take that punks!

There's a BB&T a few miles from me--but across the Ohio River in Paducah, KY. So I guess I'm out.

It appears that funding is not through credit. Also, on the first screen it lists one of it's "benefits" as a visa platinum card. It goes on to say your account will be "approved" in less than 10 minutes implying a credit check. So, if your credit report can handle a hard inquire go for it!

What You Need to Apply
1.Social Security Number
2.Driver's license number, issue date, expiration date
3.Date of birth
4.Current home address
5.Current bank account number or check to mail in for account funding

IrishTomBunny said: If I read the bonus guidelines correctly, you have to open the account online, and I'm rejected because I don't live IN Kentucky, just near it.
You are probably right. Here is what the eligibility says: "This special limited time offer is available to new clients that open a new personal checking account between 08/28/09 and 10/31/09 through BBT.com."

It also says on the promotion page "To open your account by phone, just call 1-800-BANK-BBT (1-800-226-5228) and select option 4." May want to try that; make sure you mention promotion code AFAAP when you open by phone.

Thanks OP. just opned an account

He is probably an FW member already and knows what's going on here.

What do they use, soft or ChexSystem?

VerbalK said: Just opened, though credit goes to Bank Deals blog. I asked the online rep about hard pull and the answer was "no", for what that is worth.

I opened an account this afternoon and the app entered the code for me. I was also approved for 7,000 CL for the card. Big deal but I'll take 6 months at 0% if it comes with no transfer fee. Didn't notice if that was the case.

-Don

viptext said: Can we open a checking account without the credit card?

doniam said: I opened an account this afternoon and the app entered the code for me. I was also approved for 7,000 CL for the card. Big deal but I'll take 6 months at 0% if it comes with no transfer fee. Didn't notice if that was the case.


-Don

Yes

If you want to use Quicken for transaction downloads it'll cost you. There seems to be no Quicken option to download from the BB&T website...you do have a CSV option. If you want to use Quicken to download from BB&T with a direct connection it'll cost $5.95/month.

damn... a hard pull just showed up. lying liars who lie.

cant quite tell on my phones browser but i think it is EQ. weird they pull several days after the account is opened.

how to fund? can we use CC?

cloudtalker said: how to fund? can we use CC?

Use a bank account- no CC funding.

VerbalK said: damn... a hard pull just showed up. lying liars who lie.

Did your checking account application include an overdraft protection feature? If so, that might be the reason for the hard pull.

viptext said: That makes sense, since you applied for a mortage, loan and credit card.

How about someone who only applied the checking account without the overdraft feature? Is there a hard pull in that case?

Yes, I got a hard pull just for the checking app.

For those that got a hard pull, what bureau did they pull? I check my credit score through CreditKarma and my score hasn't gone down since I opened this account. I realize that it's possible that they pulled one of the bureaus that CreditKarma doesn't cover.

umafuaba said: For those that got a hard pull, what bureau did they pull? I check my credit score through CreditKarma and my score hasn't gone down since I opened this account. I realize that it's possible that they pulled one of the bureaus that CreditKarma doesn't cover.

Equifax

90 days is coming up in a few days for me. Will close zero the balance and then close the account.