BB&T invites consumes from the Southeastern States to take advantage of their $100 bonus offering for opening a free checking account. The bonus can also be given for setting up a 3 bills payment online and a direct deposit.

According to the promo page, this best checking account deal will last until October 31. Here are some small prints to take note:

Interested clients can apply online or by calling the hotline of the bank. Don’t forget to give the promo code AFAAP when you open the free checking account. You do not have a credit card option to fun but you can make a deposit over the counter or send in a check via mail.

The free checking account asks for an initial deposit of $50. The bank does not require any monthly service charges nor do they impose any balance requirements. You can also use the online bills payment system of the bank for free once you are an account holder.

We asked the customer service representative if they do a hard credit pull. According to the CSR they do not, but based on experience, most of the time customer service denies a pull but you will find a ding on your credit score once you have opened the account.

This checking account offering are for the service areas of BB&T only. There are for the market coverage of their branches in Florida, North Carolina, Alabama, Georgia, South Carolina, Washington D.C., Maryland, West Virginia, Virginia, Kentucky, Indiana, and Tennessee.

BB&T is covered by the FDIC through certificate number 9846.