BB&T Overdraft Decision Notice

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but BB&T pays it
as a courtesy. BB&T can cover your overdrafts in two ways:
1. BB&T has an Overdraft Review process that comes with your account.
2. BB&T also offers overdraft protection options, such as a link to a BB&T savings account, BB&T Visa® Platinum Credit
Card1, Constant Credit Account1, BB&T Preferred Line1, or BB&T Home Equity Line1, which may be less expensive than
our Overdraft Review process. To learn more, ask us about these plans.
1
Subject to credit approval. BB&T Home Equity Lines cannot be linked in Texas.
This notice explains BB&T's Overdraft Review process.

What is the Overdraft Review process that comes with my account?

BB&T does authorize and pay overdrafts for the following types of transactions unless you ask us to opt-out (see below):
· Checks and other transactions made using your checking account number
· Automatic bill payments
*If you opt-out, all of your checks, ACH, recurring debits and all other transfers and withdrawals will generally be returned unpaid or declined. However, recurring debit card
payments that are authorized when funds are available in your account but post at a later date when funds are no longer available, may overdraw your account and these items
will be subject to overdraft fees even if you are opted out of Overdraft Review. Fees will apply to this Overdraft Review whether the checks or transactions are paid (Overdraft Fee)
or declined (Returned Item Fee).
BB&T does not authorize and pay overdrafts for the following types of transactions unless you ask us to by opting-in (see below):
· ATM transactions
· Everyday debit card transactions (also known as one-time debit card transactions)
BB&T pays overdrafts at its discretion, which means we do not guarantee that we will always authorize and pay any
type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned.

What fees will I be charged if BB&T pays my overdraft?

Under BB&T's Overdraft Review process:
 BB&T will charge you an overdraft fee of $36 each time we pay an overdraft on your behalf.
 BB&T limits the total number of Overdraft and Returned Item Fees to 6 per day.
 BB&T will not charge you an overdraft fee if your account balance is negative by less than $5.00 at the end of
processing.
 BB&T will charge you a Negative Account Balance Fee of $36 if your account remains negative for seven
consecutive days.

What fees will I be charged if BB&T declines or returns my transaction?

Under BB&T’s Overdraft Review process:
 If opted out for ATM and everyday debit card transactions, you will not be charged a fee for declined everyday debit card
transactions or declined ATM withdrawals.
 BB&T will charge you a Returned Item Fee of $36 each time we return a check, ACH, or other transaction.
 BB&T limits the total number of Overdraft and Returned Item Fees to 6 per day.

What if I want BB&T to consider authorizing and What if I do not want BB&T to consider
paying overdrafts on my ATM and everyday debit paying overdrafts on my check, ACH,
card transactions? recurring debit card, and other
transactions?
If you also want us to authorize and pay overdrafts on
ATM and everyday debit card transactions, please contact If you do not want us to authorize and pay
us by: overdrafts on check, ACH, recurring debit card,
· Calling 1-800-BANK BBT (800-226-5228) and other transactions, please contact us by:
· Visiting BBT.com/overdraftchanges · Visiting BBT.com/overdraftchanges
· Logging into online banking · Logging into online banking
· Stopping by your local BB&T financial center · Stopping by your local BB&T financial center
· Accessing a BB&T 24 ATM (ATMs owned / operated by
BB&T)
Your decision will be effective next business day for all transactions initiated after the effective date. Your decision will be effective until you make another
decision for this account. Please note that you can change your Overdraft Review decisions at any time using the contact options listed above. This notice is
only applicable for your consumer deposit account.
8056 AL DC FL GA MD NC SC TN TX VA WV CREATED 2/2017