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How much does it cost to use BB&T OnLine Bill Payment?
OnLine Bill Payment is free to all BB&T clients. Depending on your account, you may incur a service fee if you choose to access your accounts through Quicken® or Microsoft® Money. Business clients accessing accounts through QuickBooks® may also incur a fee. Monthly fees are outlined in the chart below:
| BB&T OnLine Bill Payment Monthly Fees |
| |
Regular and Classic Personal Account |
Elite Gold, Elite Classic, SMART Money Personal Account |
Business Accounts |
MyLink and Ready Access Cards |
| BB&T OnLine |
Free |
Free |
N/A |
Free |
| BB&T Business OnLine |
N/A |
N/A |
Free |
N/A |
| Unlimited OnLine Bill Payment |
Free |
Free |
Free |
Free |
| Add Quicken or Microsoft Money |
$5.95 |
Free |
$8.95 |
N/A |
| Add QuickBooks |
N/A |
N/A |
$12.95 |
N/A |
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How does OnLine Bill Payment work?
OnLine Bill Payment is a free service that is automatically included with BB&T OnLine, our free online banking services. You may use the bill payment service through BB&T OnLine or BB&T OnLine, Quicken or Microsoft Money. Business clients may also use OnLine Bill Payment through QuickBooks.
Your bill payments will be sent to payees you designate in the form of either a paper check or an electronic funds transfer. All payments made through BB&T OnLine Bill Payment are covered by our OnLine Bill Payment Guarantee.
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How do I make payments?
To use OnLine Bill Payment, you must first create a list of payees – the individuals and organizations you plan to send payments to. You will then schedule payments to them by choosing the date that you want your payment to be sent, also known as the processing date. Your payment will be delivered within five business days of your processing date if it is sent by check, within two business days if the payee accepts electronic payments, or on the next business day if the payment is made to BB&T.
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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 delivery 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 However, the funds are not actually withdrawn from your account until two days later, after 7:00 p.m. Eastern Time on the payment delivery date.
For 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 drafts, funds will be withdrawn from your account on the processing date.
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How do I know when a payment has been processed?
After BB&T processes your payment, your Payment History section in Bill Payment is updated. Your payment history provides all the details about your payment, including the payment status. The status of a processed payment will display as "processed." If you deleted a payment prior to processing, or a payment could not be processed due to non–sufficient funds, the status will display as "cancelled." Information about the payment method (electronic transfer or paper check) is available in the Details section.
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How can I review my bill payments after they have been processed?
To review your payment details after a payment has been processed, go to the Payment History section in Bill Payment. Your payment history automatically shows the past 30 days of activity. You may also search for payments to a specific payee, from a specific account, or during a specific time-period. Your history displays the date sent, account debited, payee name, amount, status, and details. Payment details include the payment method: electronic or paper-check.
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How much bill payment history can I view online?
The Payment History section within BB&T OnLine Bill Payment allows you to view any bill payment that has been processed in the last 24 months. For access to bill payment information older than 24 months, please call 1-888-BBT-ONLINE
(1-888-228-6654).
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How do you determine what bill payments can be delivered in 2 business days and what can be delivered in 5 business days?
BB&T utilizes the fastest means possible to deliver your payments. If your payee accepts electronic payments, we send your payment by electronic transfer. Electronic payments take 2 business days to process and deliver. If your payee does not accept electronic payments, we generate a paper check on your behalf and mail it. Processing and delivery of paper checks takes 5 business days.
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Can a paper-check payee be converted to an electronic payee?
Yes. Because BB&T wants to deliver your payment as quickly as possible, we continue to establish new electronic connections to payees. Periodically, you may notice that a paper-check payee converts to an electronic payee. Occasionally, an electronic payee may convert to a paper-check payee.
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Will my overdraft protection work with this service?
Yes. There will be no change to the account features you currently enjoy, if you access your account information through BB&T OnLine or BB&T OnLine.
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Can I schedule a bill payment to be processed today using funds that were deposited today?
BB&T will make the first $100 of a pending deposit available immediately for online bill payments, provided that the deposit is made at a BB&T branch location prior to 2:00 p.m. or before 4:00 p.m. Eastern Time at a BB&T ATM. The amount available could be less than $100 if ATM or BB&T Check Card withdrawals were made during the day of the deposit. The full amount of your deposit will not be available for online bill payments until the deposit transaction has been posted to your account and is reflected in your current balance.
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Who can I send payments to?
A payee can be any company, agency, organization, or individual with an address that includes a valid U.S. Postal Service ZIP code including APO/FPO (military) addresses.
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How far in advance can I schedule a payment?
Payments can be scheduled up to one year in advance.
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How large or small can a payment amount be?
Payments can be in any amount up to $100,000.
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How many payees can I have?
You may have as many payees as you like. There is no limit to the number of individuals or organizations you may add to your payee list.
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How soon can I start making payments to a payee that I have just added to my list?
You may begin making payments immediately.
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How many payments can I schedule during a single month?
There is no limit to the number of payments you may schedule per month.
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How should I enter the payee address and account number information when I set up the payee?
Payee address and account numbers should be entered exactly as they appear on your bill or statement. This helps to ensure that BB&T has the information necessary to process your payment accurately and to guarantee on-time delivery.
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What if a payee address or other payee-account information changes?
Payee information can be easily updated. We recommend that you verify your payee information regularly. Paper-check bill payments that are delivered to an incorrect mailing address will be returned to the account holder's mailing address. If this happens, please update the payee's address before scheduling another payment.
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Can I update my payee list and, if so, how often?
You may add, remove, or edit payees on your list anytime and as often as you wish.
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Can I get a copy of a paper–check bill payment?
For BB&T deposit account, bill payments processed as paper checks are available as check images in your online account history, which you can review through BB&T OnLine.
Check images will not be available for bill payments funded by a MyLink card or Ready Access card through Online Banking. If you require a copy of a bill payment check, please call 1-888-BBT-ONLINE (1-888-228-6654). Fees for check copies may be applied to your account.
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Why do paper check bill payments look different from my normal check images in my online account history?
Our paper check bill payments are printed by a third party. These checks appear different from your normal checks to help distinguish them from checks you write yourself. All bill payment check numbers are six digits, starting with the two–digit prefix "98." Bill payment check numbers are not sequential.
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What address is printed on paper check bill payments?
For payments funded by a BB&T deposit account, the name and address of the account holder is printed on each paper check bill payment as the payor. The payee name and address printed on a paper check matches the payee name and address information you entered in BB&T OnLine Bill Payment.
For payments funded by a MyLink card or Ready Access card, BB&T will be printed on each paper-check bill payment as the payor. If the payment is returned to BB&T, BB&T will contact the client to determine how to resolve the situation. The address printed on the paper-check is as follows.
5075 BB&T Operations
PO Box 619
Wilson, NC 27893
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Does BB&T use a third party to process payments?
BB&T partners with a third-party provider to process and deliver payments. All support and claims issues are handled by BB&T. All claims and any client service issues should be directed to our BB&T OnLine Support team at 1-888-BBT-ONLINE (1-888-228-6654). BB&T OnLine Support hours are 6:00 a.m. to midnight Eastern Time, seven days a week excluding Christmas Day, December 25.
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Can I modify or delete a scheduled payment that has not yet been sent?
Yes. All payments can be either modified or deleted up to 7:00 p.m. Eastern Time on the processing date.
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How do I stop a payment that has already been sent?
Please contact BB&T OnLine Support at 1-888-BBT-ONLINE (1-888-228-6654). BB&T OnLine Support hours are from 6:00 a.m. to midnight Eastern Time, seven days a week, excluding Christmas Day, December 25. Stop payment fees may be charged to your account, per the Financial Services Pricing Guide available at your local branch.
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What can I do if I am notified that one of my payments was not received?
If this happens, call BB&T OnLine Support at 1-888-BBT-ONLINE (1-888-228-6654). BB&T OnLine Support hours are 6:00 a.m. to midnight Eastern Time, seven days a week excluding Christmas Day, December 25. Our staff will investigate the matter for you and notify you of the findings. We will refund the payment amount to your account if the issue has not been resolved within 10 business days of receiving the error notice. Please note that those funds will again be withdrawn from your account if the case has been resolved and the initial bill payment is posted with the payee.
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What happens if my bill payments are late or not received?
As long as the conditions are met for the OnLine Bill Payment Guarantee, BB&T will reimburse you for any late fees or interest penalties. For payments not received, BB&T will stop the payment and refund your account until posting information has been received and verified. You will also receive provisional credit until posting information has been received and verified.
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