Contacts:	BB&T Contact:
Ann Cain Strategic Communications Director 972-371-1748 acain@carreker.com	Jeff Nichols BB&T Public Relations (336) 733-1007 JJNichols@BBandT.com
Lisa Peterson Chief Financial Officer 972-371-1454 lpeterson@carreker.com

DALLAS, TEXAS (April 28, 2005) — Carreker Corporation (Nasdaq: CANI), a leading provider of technology and consulting solutions for the financial industry, announced today that BB&T Corporation (NYSE:BBT), the ninth largest bank holding company in the U.S., has licensed Carreker’s Adjustments/Express™ to image-enable the bank’s back office and reduce adjustments costs by up to 40 percent.

Adjustments/Express™ is an image-based, workflow enabled system that automates the entire back-office adjustments process. It allows operators to scan information into the system, retrieve both image and microfilm items, and make entries from all of the main sources of adjustments cases, delivering a virtually paperless, seamless environment. As a result, the bank can improve productivity, optimize workloads, reduce errors, reduce float and other costs, speed case resolution and improve customer service.

“The adjustments process is increasingly complex and costly for banks, thanks to a variety of factors including increased volume and number of capture sites, more payment types, and higher customer expectations,” said John Carreker, president of Global Payments Technology for Carreker. “By automating the adjustments process, Adjustments Express allows BB&T to meet high customer expectations by efficiently managing fluctuating volumes in multiple payment environments – paper, image, or electronic.”

“BB&T has established itself as one of the clear leaders in the transformation from paper to imaged payments,” said J.D. (Denny) Carreker, chairman and CEO, Carreker. “Their selection of Carreker’s Adjustments Express marks another important commitment toward fully image-enabling their payments processing.”

About BB&T
Winston-Salem, N.C.-based BB&T Corporation (NYSE: BBT) and its subsidiaries offer full-service commercial and retail banking and additional financial services such as insurance, investments, retail brokerage, corporate finance, treasury services, international banking, leasing and trust. BB&T operates more than 1,400 financial centers in the Carolinas, Virginia, Maryland, West Virginia, Kentucky, Tennessee, Georgia, Florida, Alabama, Indiana and Washington, D.C. With $102 billion in assets, BB&T Corp. is the nation’s ninth largest financial holding company. More information is available at www.BBandT.com.

About Carreker Corporation
Carreker Corporation improves earnings for financial institutions around the world. The Company’s integrated consulting and software solutions are designed to increase clients’ revenues and reduce their expenses, while improving security and increasing the value of their customer relationships. Carreker provides products and services to more than 250 clients in the United States, Canada, the United Kingdom, Ireland, continental Europe, Australia, New Zealand, South Africa, South America, Mexico, and the Caribbean. Clients include the full range of community, regional and large banks, among them more than 75 of the largest 100 banks in the United States. Headquartered in Dallas, Texas since 1978, Carreker Corporation has offices in London and Sydney. For more information, visit www.carreker.com.

This press release contains statements related to future events and expectations and, as such, constitutes forward-looking statements. These forward-looking statements, specifically those related to future products and customers' benefits therefrom, are subject to known and unknown risks, uncertainties and other factors that may cause actual results, performance or achievements of the Company to be different from those expressed or implied above. The Company expressly disclaims any duty to update or revise forward-looking statements. The risks and uncertainties which forward-looking statements are subject to include, but are not limited to, the effect of governmental regulations, the economy, competition and other risks detailed from time to time in the "Management's Discussion and Analysis" section of the Company's Form 10-K and other reports and filings with the Securities and Exchange Commission.