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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.

According to an email received from a cust service rep at NW Ga Bank:

"While we do accept applications online we will not actually open the account online. You will ultimately need to come into a branch to open a checking account."

For those interested: it is a soft credit pull to open a checking account.