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Business Services Product and Pricing Guide

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Business Services Product and Pricing Guide Business Services Product and Pricing Guide Effective March 23, 2015 Please note: The pricing in this guide applies only to BB&T accounts converting from Citibank branches in Texas. For pricing of new accounts, please visit your BB&T financial center. BANKING INSURANCE INVESTMENTS 418558_V2.indd 1 12/9/14 9:34 AM Table of Contents Account Name Change Chart .................................................................................. 1 Checking Solutions Business Checking Standard Benefits ...................................................................... 2 Other Products Offered ........................................................................................... 2 Business Value 200 Checking ................................................................................. 2 Business Value 500 Checking ................................................................................. 2 Business Analyzed Checking ................................................................................... 3 Public Fund Analyzed Checking .............................................................................. 3 Business Interest Checking ..................................................................................... 4 Public Special Money Rate Checking ....................................................................... 4 Commercial Interest Checking ................................................................................. 4 IOLTA Checking ..................................................................................................... 5 Savings Solutions Money Market Deposit Standard Benefits ................................................................. 5 Business Money Rate Savings ................................................................................. 5 Public Fund Money Rate Savings ............................................................................ 5 Certificates of Deposit (Business and Public Fund) ................................................... 6 Borrowing Solutions BB&T Business Loans ............................................................................................ 6 Credit Cards ........................................................................................................... 6 Additional Solutions at BB&T BB&T Business Debit Card ..................................................................................... 7 BB&T ATMs ........................................................................................................... 7 BB&T Small Business Online and Online Bill Payment .............................................. 7 BB&T Alerts ........................................................................................................... 8 BB&T Mobile Banking ............................................................................................ 8 BB&T Phone24 ...................................................................................................... 8 Important Information BB&T Overdrafts .................................................................................................... 8 BB&T Overdraft Review .......................................................................................... 8 Overdraft Protection ............................................................................................... 8 Payment of Items ................................................................................................... 9 Funds Availability ................................................................................................... 9 Monthly Statements ................................................................................................. 9 Online Statements ................................................................................................... 9 Accessing Account History ........................................................................................ 9 Checks .................................................................................................................... 9 FDIC Insurance ........................................................................................................ 9 Other Services Cash Management Services .................................................................................... 10 BB&T Safe Deposit Box .......................................................................................... 10 Direct Deposit/Automatic Drafts .............................................................................. 10 Wire Transfers ........................................................................................................ 10 Image Statements .................................................................................................. 10 Fee Schedule .......................................................................................................11 C 418558_V2.indd 2 12/9/14 9:34 AM Account Name Account Name Change Chart Your new BB&T account name has been determined based on the specific terms and conditions of your Citibank account. If Change you have any questions, please visit your nearest financial center. Our representative will explain specific BB&T products and discuss options that may be better suited to you. Checking and Savings Accounts Chart Citibank Account: New BB&T Account: CitiBusiness® Streamlined Checking Business Value 200 Checking CitiBusiness Preferred Banking Healthcare Package Legal Package Accounting Package Manufacturers/Wholesalers Package CitiBusiness Flexible Checking Business Value 500 Checking CitiBusiness Preferred Banking Healthcare Package Legal Package Accounting Package Manufacturers/Wholesalers Package CitiBusiness Checking Business Analyzed Checking CitiEscrow Control Checking Escrow Client Checking SDA Control Checking Tenant Checking Deposit Administrator Control DDA Deposit Administrator Account Client Checking CitiBusiness Preferred Banking Healthcare Package Legal Package Public Funds Checking Public Fund Analyzed Checking CitiBusiness Interest Checking Business Interest Checking Healthcare Package Legal Package Public Funds Interest Checking Public Special Money Rate Checking Public Funds Checking Public Funds Money Market Puerto Rico Sweep Commercial Interest Checking Nassau Sweep IOLTA Checking IOLTA Checking IOLTA CitiEscrow IOLTA Control Checking CitiBusiness IMMA Business Money Rate Savings CitiBusiness Savings Escrow Client IMMA Deposit Admin Client IMMA Healthcare Package Public Funds Money Market Public Fund Money Rate Savings Public Fund Savings Court Ordered Money Market Other Accounts Citibank Account: New BB&T Account: Certificate of Deposit Certificate of Deposit Public Fund Certificate of Deposit Public Fund Certificate of Deposit Commercial Loan BB&T Loan Safe Deposit Box BB&T Safe Deposit Box Internet Banking BB&T Small Business Online C 1 418558_V2.indd 3 12/9/14 9:34 AM Checking Solutions BB&T offers checking accounts for businesses, community organizations, public entities and nonprofit organizations. Your BB&T Relationship Manager at your local financial center can discuss your business checking needs and help you identify the solution 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 Benefits n BB&T Small Business Online with unlimited Bill Payment n BB&T Business Debit Card n Mobile banking with account alerts1 n Overdraft protection options available2 n An optional monthly Account Analysis statement showing your checking, money market deposits and cash management services in one convenient statement, separate from your monthly Deposit statement 1Fees from your mobile or data carrier may apply. 2BB&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. Other Products Offered n No annual fee BB&T Visa® Business Credit Card1 with BB&T Business Rewards2 n Next-business-day funding to your BB&T business checking account with Visa®, MasterCard® and Discover® credit and debit card processing3 through BB&T Merchant Services 1Subject to credit approval and business type. Member FDIC. 2BB&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. 3BB&T Merchant Services are subject to business type and credit approval. Solutions Business Value 200 Checking Business Value 200 Checking is a cost-effective account that is ideal for sole proprietorships, start-ups, and small businesses with minimal checking activity each month. In addition to our standard benefits (see above), Business Value 200 Checking offers Checking you these features: n 200 free combined items1 per month n Up to $10,000 cash processing per month free n Waived maintenance fee Bright Banking personal account for one business client7 n Discount on first order of checks Business Value 200 Checking Pricing Information: n Monthly maintenance fee ........................................................................ $10.00 n For each combined item1 over 200 per month ............................................ $0.50 n Fee for cash deposited in excess of $10,000 per month ........... $2.10 per $1,000 Avoid the $10.00 monthly maintenance fee with any of the following: n $1,500 average monthly balance OR n $6,000 combined average monthly balances in checking accounts (business/public
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