• What is BB&T Mobile?
• What kind of mobile device do I need to use mobile banking?
• What accounts can I access with mobile banking?
• Are there fees to use mobile banking?
• What mobile carriers are supported?
• Is mobile banking secure?
• My mobile number has changed. What do I need to do to keep my access to mobile banking?
• What if my mobile device is lost or stolen?
• What is the difference between mobile banking and alerts?
• How do mobile banking and alerts work together?

• How do I get started with mobile banking?
• What if I forget my online banking password?
• Do I have to agree to the Terms and Conditions to use mobile banking?
• I have not received the verification message on my mobile device. What should I do?
• How soon do I have to reply to the verification message?
• What is the default account?
• What are mobile account nicknames?
• How do I change my mobile banking settings?

• What is Mobile Text?
• What do I need to use Mobile Text?
• What are Quick Codes?
• How current is the account and transaction information that I receive?
• What should I do if I do not receive a response from my Quick Code?
• How do I transfer funds?
• How do I check the status of my transfer?
• What should I do if I receive an error message in response to my TRA text message?
• Can I send a Quick Code through email?

• What is Mobile Web?
• What do I need to use Mobile Web?
• How do I access Mobile Web?
• Why was I asked a security question when I logged on?
• How do I view my account balances?
• How do I view details of my account transactions?
• How do I search for account transactions?
• How do I make payments?
• How do I transfer funds between my accounts?
• How do I find BB&T financial centers and ATM locations?
• What is a Short Message Service (SMS) Receipt?

• What is Mobile App?
• What kind of mobile device do I need to use Mobile App?
• Are there fees to use Mobile App?
• Is Mobile App secure?
• How do I download Mobile App to my iPhone^®?
• How do I download Mobile App to my Android^TM device?
• How do I download Mobile App to my BlackBerry^®?
• Why don’t all my recent transactions display when I view Recent Activity or Search Activity?
• Why don’t I get search results when I click Search Activity for my account?

• How does mobile bill payment work?
• How do I pay bills with mobile banking?
• Can I create a new payee from my mobile device?
• What is the difference between Due Date and Send Date?
• When do the funds for a payment leave my checking account?
• How do I know when a payment has been processed?
• How much bill payment history can I view?
• Can I cancel a scheduled payment if it has not been sent?
• Why do I get an error message when I schedule a bill payment?

General Questions

What is BB&T Mobile?
Mobile banking service allows anyone with a BB&T OnLine^® banking account to access their eligible accounts from a cell phone or mobile device. You can check account balances, review recent account activity and transfer money between accounts 24/7.

Mobile banking offers three ways to access your accounts:

• Mobile Text— send us a text message and we will text you back with your account info.
• Mobile Web— use your mobile phone browser to access bbt.mobi.
• Mobile App— download our free app for your iPhone^®, Android^TM, or Blackberry^® smartphone.

What kind of mobile device do I need to use mobile banking?

What accounts can I access with mobile banking?
You can access the following accounts using mobile banking. New account types are added regularly, so check back for updates.

• Checking
• Savings
• Credit Card
• Credit Line
• Mortgage
• CD
• IRA
• Home Equity Loan
• Consumer Loan
• Business Loan
• Equipment Loan
• Equipment Finance
• Lendmark
• BB&T Investment
• Scott & Stringfellow Investment
• MyLink Card
• Ready Access Card

Are there fees to use mobile banking?
BB&T does not charge you a fee to use or access our mobile banking service. You should contact your mobile provider for information about fees associated with sending or receiving text messages or accessing the internet from your mobile device.
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What mobile carriers are supported?
BB&T mobile banking is supported on the following mobile carriers. This list will be updated as additional carriers are supported.

Is mobile banking secure?
BB&T is very concerned with the safety and privacy of your information and committed to security. To ensure the security of your account information, a number of security features have been built into BB&T Mobile products:

Secure Registration Process — SMS verification is required to verify your mobile device phone number. When you enroll for mobile banking, you will be asked to reply to a verification message in order to complete your enrollment.  This process associates your mobile phone number with your account. In addition to the security measure, this verification lets you know your mobile device's phone number was successfully entered into the system.

No Identifiable Information — BB&T will never transmit your full account numbers during your mobile banking transactions.  Your account numbers will appear truncated on your mobile device screen and in your Mobile text banking replies. BB&T Mobile uses advanced encryption technology to prevent unauthorized access to your personal information.

Authenticated Logon – BB&T Mobile Banking uses the same security as BB&T OnLine banking.  In addition to supplying a User ID and password, you will be required to answer a security question in order to log in to mobile banking for the first time. You may access BB&T mobile banking from multiple devices, but in order to access your account, you will be asked to answer a security question to associate that device with your account.

My mobile number has changed. What do I need to do to keep my access to mobile banking?
If your mobile number has changed, it is important that you update your mobile number in your mobile settings.

Update your new number:

1. Log on to online banking and click the BB&T Mobile link.
2. Click the Edit link next to the mobile number you want to update.
3. Enter your new mobile number.

Verify your new number:

1. Check your mobile for a verification text message from MYBBT (69228)
2. Text back YES to verify your new number
3. Receive your confirmation text

What if my mobile device is lost or stolen?
BB&T will never send full account numbers or other personal information through mobile banking. If your mobile device is lost or stolen, no one can access your account without knowing your unique username and password.

If your mobile device is either lost or stolen:

• Report it immediately to your mobile carrier.
• Immediately log on to your online banking account from your computer and delete the lost or stolen mobile number from your mobile settings.
• If you can’t get to online banking, immediately call BB&T Phone24 at 800-BANK-BBT (800-226-5228) to delete your mobile number from your mobile settings.

What is the difference between mobile banking and alerts?
Mobile banking allows you to request account balance and history information, transfer funds on selected accounts, and pay bills at any time from your mobile device. Your information will be sent directly to your mobile device.

Alerts are automatic notices sent by BB&T to your mobile device or email containing information about your registered account(s). You choose which alerts you want to see and when you want to be notified.
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How do mobile banking and alerts work together?
An alert can notify you of a situation with your account and you can react to that alert using a mobile text message to request more information or transfer money between accounts.

For example, if you receive a Low Balance Alert via an SMS text message to your mobile device, you can send a BAL ALL text message to 69228 (MYBBT) for a listing of your accounts balances and then send a TRA text message to transfer money from one of your accounts to the account with the low balance.
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Mobile Banking Enrollment

How do I get started with mobile banking?
Enrollment Steps:

1. Turn on your mobile phone and make sure it's ready to receive text messages
2. Go to BBT.com and log on to online banking.
3. Click on the BB&T Mobile link.
4. Enter and confirm your mobile number.
5. Check your mobile for a verification text message from MYBBT (69228).
6. Text back YES to verify your new number.
7. Receive your confirmation text.

What if I forget my online banking password?
If you are unable to remember your online banking User ID or password, go to BBT.com and click the Forgot User ID? link or enter your user ID and click Secure Logon and then click the Forgot Password? link.

Note: You will be asked for your BB&T Check Card/ATM Card number and PIN.
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Do I have to agree to the Terms and Conditions to use mobile banking?
Yes, to use mobile banking, you must read and accept the BB&T OnLine^® banking legal terms and conditions. If you have any questions about the points of the terms and conditions, please call Phone24 at 800-BANK-BBT (800-226-5228).
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I have not received the verification message on my mobile device. What should I do?
If you have not received your verification message, please make sure your mobile device's phone number is entered correctly in the BB&T Mobile Preference Center. If it is, please follow the steps below:

1. Verify your mobile phone is turned on, and able to receive text messages. You may need to consult your mobile carrier if you are unsure if you can receive text messages.
2. Contact your mobile carrier and make sure your mobile device is not blocked from sending and receiving SMS messages to and from short codes. 69228 (MYBBT) is the BB&T Mobile Text short code.
3. Log on to online banking and click the BB&T Mobile link. Verify that your mobile number is entered correctly. If the correct mobile number is showing, click the Resend text message link to resend the verification message. If your mobile number is incorrect, select the pencil icon in the Edit column and update your number to complete the enrollment process.
4. If you still do not receive the verification message, please contact BB&T Phone24 at 800-BANK-BBT (800-226-5228) for assistance.

How soon do I have to reply to the verification message?
You have 48 hours to reply to the verification message. After that time, the message will expire and you will need to resend the message to your mobile device. To resend the message, log on to online banking and click the BB&T Mobile link.  Click the Resend text message link. A new verification message will be sent to your mobile device.
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What is the default account?
The default account is automatically selected when the BAL or LAST text command is used alone without specifying an account nickname.
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What are mobile account nicknames?
Mobile account nicknames will help you easily identify each of your accounts when making text banking transactions. These nicknames can be up to 8 characters in length and are used for text banking commands only.

Note: Mobile App and Mobile Web display the same account nicknames you set up for your online banking account.
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How do I change my mobile banking settings?
Your mobile banking account settings can be changed from your personal computer by logging on to online banking and clicking the BB&T Mobile link. You can add or remove accounts, change account nicknames, assign your default account and update your mobile phone number.
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BB&T Mobile Text

What is Mobile Text?
Mobile Text allows anyone with an online banking account to access their eligible accounts from a mobile device via SMS text messaging. You can:

• Check your account balances
• Request a list of your most recent account activity
• Transfer money between eligible accounts

What do I need to use Mobile Text?

• Active BB&T OnLine^® banking account
• Current enrollment in mobile banking with one verified mobile device
• Verified mobile device that supports SMS text messaging

What are Quick Codes?
Quick codes are short text messages you send from your mobile device to BB&T to request account information. You may request balance and account activity information or schedule a transfer of funds between eligible accounts.

To send a quick code, just text message one of the codes listed below to the BB&T Mobile Text short code 69228 (MYBBT).

Balance Information:

• BAL — Requests the balance of your default account.
• BAL ALL — Requests the balances of all eligible accounts.
• BAL + [account nickname] — Requests the balance of the account with this nickname.




The correct format for the BAL+ [account nickname] quick code is
BAL + (space) + [account_nickname]

For example:
BAL sav1 will request the current balance of your account nicknamed SAV1.

• LAST — Requests a list of the most recent transactions posted to your default account.
• LAST + [account nickname] — Requests a list of the most recent transactions posted to the account with this nickname.




The correct format for the LAST + [account nickname] quick code is
LAST + (space) + [account nickname]

For example:
last vacsav will request the most recently posted transactions of your account nicknamed VACSAV.

• MORE —Request additional information.
  
  If any of the above responses concludes with More, simply text More to 69228 (MYBBT) to receive the remainder of the message.
  
  
• INFO — Request this list of quick codes.
• HELP — Request technical support information.
• STOP — Unsubscribe your mobile device from BB&T Alert service.
• START — Start BB&T Alert service on your mobile device.
• TRA — Request a transfer of money between your checking and savings accounts.




The correct format for the TRA quick code is
TRA + (space) + [from_acct_nickname] + (space) + [to_acct_nickname] + (space) + [amount]


For example:
TRA sav1 homeck 300.50 will send a request to transfer $300.50 from SAV1 (the from_acct_nickname) to HOMECK (the to_acct_nickname).

How current is the account and transaction information that I receive?
You will receive the current available balance via the BAL text message. The LAST text message will send your most recent posted transactions for the requested account. Pending transactions will not be shown.
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What should I do if I do not receive a response from my Quick Code?
Please make sure that you are addressing new text messages or replying to a recent text message from BB&T to 69228 (MYBBT). Please confirm that you are using the correct spelling of the quick code, and if you are specifying an account, confirm that you are using the correct account nickname.
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How do I transfer funds?
You can make one–time transfers between your eligible accounts using the TRA quick code. If you send the TRA quick code on a weekend or business holiday, the funds will be transferred on the first eligible business day.

The correct format is

TRA + (space) + [from_acct_nickname] + (space) + [to_acct_nickname] + (space) + amount

For example:

TRA sav1 homeck 300.50 will send a request to transfer $300.50 from SAV1 (the from_acct_nickname) to HOMECK (the to_acct_nickname).

How do I check the status of my transfer?
A confirmation message will be sent to your mobile device after you have sent a TRA text message. After receiving the confirmation message, you can:

1. Check that your Available Balance has been updated by either sending a BAL ALL text message to 69228 (MYBBT) or checking your online banking account.
2. Log on to online banking and click on either of the accounts involved in the transfer to view your account history. Your transfer should be listed under Pending Transactions.
3. On the day following your transfer, log on to online banking and click on either of the accounts involved in the transfer to view your account history. Your transfer should be listed under Posted Transactions.

What should I do if I receive an error message in response to my TRA text message?
If you receive an error message after sending the TRA quick code to BB&T, please verify:

1. The transfer command was entered as follows:

TRA + (space) + [from_acct_nickname] + (space) + [to_acct_nickname] +(space) + [amount]

2. Your transfer was between two different checking and savings eligible accounts. Send a BAL ALL text message to see a list of your eligible accounts and their available balances.
3. The from_acct_nickname and to_acct_nickname were entered correctly.
4. A valid dollar amount, greater than 0.01 (one cent) and less than 1,000,000 (1 million), was entered. If your amount is less than one dollar, enter a zero before the decimal point. You may include commas, but do not include a $ sign.

Can I send a Quick Code through email?
No, Quick Codes and text messages are not supported using email or touch tone phones. The two–way messaging feature will work only with mobile devices.
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BB&T Mobile Web — bbt.mobi

What is Mobile Web?
Mobile Web is a secure mobile banking website you access from your cell phone or mobile device at any time of the day, every day. Go to bbt.mobi from your mobile browser. Mobile Web allows you to:

• Check your account balances
• Review recent account activity
• Search for account transactions based on amount, date or check number
• Make payments to existing online banking bill payment payees
• Transfer money between accounts
• Search for BB&T branch and ATM locations

What do I need to use Mobile Web?

• Active BB&T OnLine^® banking account
• Current enrollment in mobile banking with one verified mobile device
• Verified mobile device that supports web browsing
• Wireless data plan with your mobile carrier

How do I access Mobile Web?
From your mobile phone browser, type in bbt.mobi and then log on using your online banking user ID and password. You will be presented with a security question when logging on to Mobile Web for the first time. The security questions are the questions you set up when you enrolled in online banking.
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Why was I asked a security question when I logged on?
Authentication is an integral part of the security of Mobile Web, which uses the same security standards used as online banking. Security questions are questions and answers that only BB&T and you will know in order to verify your identity.
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How do I view my account balances?
Log on to bbt.mobi and you will see your accounts overview page which displays a list of your accounts and balances. You can return to this page at any time by selecting My Accounts from the menu at the bottom of the screen.
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How do I view details of my account transactions?
Log on to bbt.mobi and click on any of the accounts listed on your accounts overview page to view account activity. The Account Activity page will display posted and pending transactions, beginning with the most recent transaction. By clicking on an account transaction, you can see the details for that specific transaction.
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How do I search for account transactions?
Log on to bbt.mobi and select Search from the menu at the bottom of the screen and choose your account. You can search for transactions based on amount, check number or date range.
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How do I make payments?
Log on to bbt.mobi and select Payments from the menu at the bottom of the screen. Select Pay Bill and choose an existing payee. Select the account the payment will be generated from and enter the amount and the send date to complete your payment. Bill payments can only be made to existing online banking payees. To add a new payee to your account, go to BBT.com and log on to online banking and go to Bill Payment.
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How do I transfer funds between my accounts?
Log on to bbt.mobi and select Transfer Funds from the menu at the bottom of the screen. You select the accounts to transfer between, enter an amount, verify your transfer and submit.
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How do I find BB&T financial centers and ATM locations?
You can search for BB&T branch offices and ATMS by selecting Locations from the menu at the bottom of the screen. Anyone can use the ATM/Branch locator from the bbt.mobi home page without logging on. You can search by zip code or address.
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What is a Short Message Service (SMS) Receipt?
By clicking on the SEND RCPT link, the screen details will be sent in an SMS message to your first validated mobile device listed in the Mobile Preference Center. SMS screen detail messages can be sent from the My Accounts, Locations Results, Location Details and Location Direction screens.
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BB&T Mobile App

What is Mobile App?
Mobile App allows you to access your accounts from your mobile device—anytime, anywhere. With Mobile App you can check balances, pay bills, transfer money, find ATMs/financial centers and contact customer service, all from the convenience of your Smartphone.

A secure mobile banking application, Mobile App is designed for iPhone^®, Android^TM and BlackBerry^® mobile devices.
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What kind of mobile device do I need to use Mobile App?

• Active BB&T OnLine^® banking account
• Current enrollment in mobile banking with one verified mobile device
• An iPhone^®, Android^TM, or Blackberry^® smartphone
• Wireless data plan with your mobile carrier

Are there fees to use Mobile App?
BB&T does not charge fees to download or use Mobile App. Your mobile carrier may charge for text messaging and Web access services. Contact your carrier for information about their fees.
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Is Mobile App secure?
Yes. BB&T is committed to your privacy and the safety of your financial information.

• Personal information is protected from unauthorized access through advanced encryption technology.
• Mobile App uses the same security features as BB&T OnLine^® banking.
• BB&T will never transmit your complete account numbers.

How do I download Mobile App to my iPhone^®?
From your phone:

1. Go to the App Store on your iPhone^®.
2. Type BB&T Mobile Banking in the search field.
3. Click BB&T Mobile Banking in your search results to download the app for free.

1. Open the iTunes^® Store on your computer.
2. Type BB&T Mobile Banking in the search field.
3. Click BB&T Mobile Banking in your search results to download the app for free.
4. Sync your phone with your computer.

How do I download Mobile App to my Android^TM device?
From your phone:

1. Go to the Android Market on your Android^TM device.
2. Type BB&T Mobile Banking in the search field.
3. Click BB&T Mobile Banking in your search results to download the app for free.

1. Go to Android Market on your computer.
2. Type BB&T Mobile Banking in the search field.
3. Click BB&T Mobile Banking.
4. Click Install to download the app for free.

How do I download Mobile App to my BlackBerry^®?
There are two ways to download Mobile App to your BlackBerry^®:

From your phone:

1. Go to BlackBerry App World^TM on your BlackBerry.
2. Type BB&T Mobile Banking in the search field.
3. Click BB&T Mobile Banking in your search results to download the app for free.

1. Open BlackBerry App World on your computer.
2. Type BB&T Mobile Banking in the search field.
3. Click BB&T Mobile Banking in your search results to download the app for free.
4. Sync up your phone with your computer.

Why don’t all my recent transactions display when I view Recent Activity or Search Activity?
Certain device restrictions prevent Mobile App from displaying all of your recent account activity. Recent activity searches will return the last 30 days of account activity for the selected account. Check Number and Amount based searches will display the last 30 days of activity for iPhone^®, Android^TM, and Blackberry^® devices. Date range searches for iPhone will return the last 90 days of activity, while Android and Blackberry have an unlimited date range.
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Why don’t I get search results when I click Search Activity for my account?
The Recent Activity and Search Activity functions are only available for the following account types:

• Checking Account
• Savings Account
• Credit Card Account
• Credit Line Account

Mobile Bill Payment

How does mobile bill payment work?
Mobile bill payment offers a subset of the online banking bill payment features. Using Mobile Web or Mobile App, you can send bill payments to the payees you designate by paper check or electronic funds transfer.
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How do I pay bills with mobile banking?
To set up a bill payment with mobile banking you first have to create a payee in online banking. Once you have created the payee go to Mobile App or Mobile Web and select Payments. Next, click Pay Bills; select the Payee, due date, account to pay from, payment amount, and then click Continue. Verify the information is correct then select Pay Bill.
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Can I create a new payee from my mobile device?
No, payees can only be created in online banking. Once you have added a payee in online banking, you can schedule payments to that payee using BB&T.
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What is the difference between Due Date and Send Date?
Due Date is the date on which your payment will be delivered to your payee. Send Date is the date on which the payment was processed in order to meet the requested Due Date. Allow two business days for electronic payment processing and five business days for paper-check processing. Funds for electronic payments will be held during processing.
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When do the funds for a payment leave my checking account?
For electronic payments, funded by a BB&T deposit account, funds from your account are held two days before the Due Date to allow for processing. The hold reduces your available balance by the amount of the payment. The funds for your payment must be available on the processing date. However, the funds are not actually withdrawn from your account until two days later, after 7:00 p.m. ET on the Due Date.

For paper check payments, funded by a BB&T deposit account, no funds are held and your available balance is not reduced on the payment processing date. It is not until the check actually posts to your account that funds are withdrawn. The funds withdrawal date will vary depending on when your payee deposits the check payment. Although funds are not held when your paper-check payment is processed, sufficient funds must be available in your account on the processing date for your payment to process.

For payments funded by a MyLink Card or Ready Access Card, either electronically or in the form of paper checks, funds will be withdrawn from your account on the Send Date.
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How do I know when a payment has been processed?
After BB&T processes your payment, you can view your posted payments using BB&T Mobile Select the Recent Payments option to review your payment details. If you deleted a payment prior to processing, or a payment could not be processed due to nonsufficient funds, the details screen on will display cancelled or failed.
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How much bill payment history can I view?
Under the Recent Payments options in Mobile App, you can view the last 20 payments that have been processed and/or posted. In Mobile Web, you can view up to three months of payment history. For additional payment history, go to the Payment History section within in online banking under Bill Payment.
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Can I cancel a scheduled payment if it has not been sent?
Yes. All non-processed payments can be cancelled up to 7 p.m. ET on the Send Date. Go to the Scheduled Payments section and select the payment you want to cancel. Once your payment is cancelled, you can view it under the Recent Payments section. It will display with a status of cancelled.
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Why do I get an error message when I schedule a bill payment?
An error message will display if you attempt to schedule a bill payment after the cut-off time for that payment type. To schedule the payment, you must change the Due Date to a later date.
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