Frequently Asked Questions

On October 15 your BankAtlantic accounts, including online banking, will convert to BB&T.

The following are some frequently asked questions about the conversion process and your new BB&T OnLine^® and BB&T Small Business OnLine^® Internet banking services. The answers here will help you understand what you should do during this conversion, and where you can get assistance.

You will be assigned new account numbers that will be effective on October 15, 2012. For your convenience, we will send you a separate letter listing your BankAtlantic Account Type / Number and the corresponding new BB&T Account Type / Number.

Shortly after October 15, 2012, you will receive details on ordering new BB&T checks. Please feel free to keep using your current checks and deposit slips through November 1, 2013. If you need additional checks before October 15, 2012, simply reorder them as you normally would, but please order the minimum quantity.

BB&T will continue to accept your Direct Deposits and automatic drafts (ACH transactions) for one year. After one year, ACH items received with your old account information will be returned to the originator. As we receive and post transactions, we’ll send electronic Notifications of Change to the financial institutions that originated the ACH transactions, providing them your new BB&T account and BB&T routing transit number. However, we also encourage you to confirm the changes to your information with those companies or financial institutions.

You should receive your last statement from BankAtlantic shortly after October 12, 2012. When the conversion to BB&T is complete, you should receive your statements at approximately the same time as you do now. BB&T may combine your checking, savings and overdraft protection account information into one statement. We will mail your credit line statements separately. For the first few months, you’ll see both your current deposit account number(s) and your new BB&T deposit account number(s) on your statements.

If you currently receive your statements online only, you will begin receiving them again in the mail. However, once you log on to your new online banking account, you may easily return to receiving your statements online only. You’ll simply need to indicate your preferences and accept the applicable agreements when you log on.

You can also register with BB&T Alerts to automatically receive a notice when your statement is ready for viewing.

You should receive your new BB&T Check Card by October 12, 2012, to replace your current card. Please activate and begin using your new card after 5 p.m. on October 14, 2012.

If you have a BankAtlantic debit card you can continue to use your current Personal Identification Number (PIN). You will have the additional benefit of no-fee access at more than 2,400 BB&T 24 ATMs in 12 states and the District of Columbia.

On October 15, 2012, you will have access to free BB&T online banking and unlimited OnLine® Bill Payment 24 hours a day, seven days a week, anywhere there is an Internet connection. If you currently use BankAtlantic’s Online Banking service, your BB&T User ID may be the same as your current User ID (unless you are informed otherwise by mail), and your new, temporary password will be the last five digits of your Social Security number. For business accounts it will be the last five digits of your tax identification number.

BB&T allows you to conveniently monitor account activity by receiving alerts via mobile text or email. BB&T Alerts supports account balance and transaction alerts as well as bill payment, credit card, statement availability, profile change and more for your online accounts.

You’ll be able to register on October 15, 2012, once you log on to online banking. From the overview page, simply click the Alerts tab. If you are currently using alerts with BankAtlantic, please go to the Alerts tab to sign up and customize your new alert settings.

You can use your mobile device to securely access banking services instantly by sending and receiving SMS text messages, accessing our mobile website, or downloading our mobile banking application for iPhone^®, Android^®, and BlackBerry^® devices. You can also use our smartphone app to deposit checks.

You’ll be able to register for Mobile Banking on October 15, 2012. Simply log on to BB&T OnLine Banking and click the BB&T Mobile link beneath the message center to begin the registration process.

If you have a loan or mortgage, you will receive information about any changes to your account, including how and when to make payments. If your account is still in the transfer process, you will receive a notification with this information shortly.

As a BB&T client, you will have access to approximately 1,800 BB&T financial centers, including many of the BankAtlantic branches you’re accustomed to visiting. You will also have no-fee access at more than 2,400 BB&T24 ATMs in 12 states and the District of Columbia.

If you have any questions or concerns, please let us know. We’re here to make the conversion process as easy as possible for you. You may drop by any BB&T financial center or BankAtlantic branch during normal banking hours or call 888-822-6634 from 6 a.m. to midnight, seven days a week.

Are you calling internationally?

If you are abroad, please make sure to dial 910-914-8250.

September 6	In preparation for the conversion to BB&T, new enrollments ended at 11 p.m. ET on September 6, 2012 for BankAtlantic Online Banking, bill payment, eStatements, FinanceWorks and Online Payroll. If clients were already enrolled in these services, they may continue to use them as normal. Further updates will be posted as needed. At this time, clients will be unable to change their user ID until after their accounts have been converted to BB&T.
September 26	After 11 p.m ET on this date you no longer have access to External Transfers.
October 11	On this date, BankAtlantic Online Banking became view-only. Your BankAtlantic Online Banking transaction history and bill payment history will not convert to BB&T. You will be able to view your transaction history through BankAtlantic Online Banking until November 16, 2012. Take the time to download your BankAtlantic Online Banking transaction history. Not sure how to do this? Learn how. Take the time to download your bill payment history through BankAtlantic Online Banking. Not sure how to do this? Learn how.
October 11	At noon ET, access to Mobile Web Banking, SMS Text Message Banking and the iPhone and Android applications became unavailable. At 11 p.m. ET, access to BankAtlantic Online Banking became view-only. After October 11, you cannot schedule or modify payments, or make transfers through BankAtlantic Online Banking. Any online bill payments scheduled for processing through BankAtlantic Online Banking on this date were processed as scheduled. Any online bill payments or internal transfers must have been scheduled prior to 11 p.m. ET. Any internal transfers set to occur after this date must have been rescheduled prior to 11 p.m. ET.
October 15	Log on to BB&T online banking at BBT.com. Your user ID will be the same as it was for BankAtlantic Online Banking, unless you receive a letter from BB&T stating otherwise. Your password will have been temporarily set to the last five digits of your Social Security number (SSN) or taxpayer identification number (TIN). Upon first logon, you will be asked to update your password; to agree to receive electronic communications and the BB&T Online Banking Agreement and Initial Disclosures; to set up personal security questions; and to select your statement delivery preferences. You may change your user ID and/or password online by clicking the Customer Service tab in online banking. You will begin to accumulate transaction history on this date. Your payees, scheduled payments and scheduled internal transfers from BankAtlantic Online Banking will be available in BB&T OnLine and BB&T Small Business OnLine. BB&T will begin processing payments and transfers October 15, 2012. You may sign up for BB&T Alerts and BB&T Mobile Banking.
October 15	Any bill payment scheduled with BankAtlantic with a Pay Date through October 15 will be processed by BankAtlantic. Paper bill payments with a due date through October 17 will also be processed by BankAtlantic. You were able to schedule these payments in your BankAtlantic Online Banking service until October 11 at 11 p.m. ET.
November 16	View-only access to your BankAtlantic Online Banking account will be discontinued at the close of business on November 16, 2012.

BankAtlantic Online Banking became view-only at 11 p.m. ET on October 11, 2012. To ensure a smooth transition, please take the time to do the following:

1. Back up your BankAtlantic Online Banking transaction history.
   Your transaction history will not convert to BB&T. Get more information about backing up your account history.
2. Review your online bill payment information.
   Your payees and scheduled bill payments will automatically convert to BB&T.
   
   You should review your payees and scheduled bill payments to make sure all the information is accurate and up-to-date. Bill payment history was available through BankAtlantic Online Banking through 11 p.m. ET on October 11, 2012. Get more information about backing up your bill payment history.
   
   Review your recurring/repeating internal transfers.
   Your recurring/repeating transfers will automatically convert to BB&T. You should review your transfer information to make sure all the information is accurate and up-to-date.

To back up your transaction history, follow these instructions.

All of your scheduled bill payments will be converted to BB&T and will process as scheduled, except for those scheduled for October 12, 2012. The Send On date at BB&T will reflect earlier processing to ensure that your payments are received by your payees by the Pay Date from BankAtlantic Online Banking.

Yes, you will continue to have access to eBills.

To download your bill payment history, follow these instructions.

All of your scheduled internal transfers, transfers between your own accounts, will be converted to BB&T and will process as scheduled, except for those scheduled on October 12, 2012. They will not be processed until October 15. Your Send On date with BankAtlantic Online Banking will become your Withdrawal Date at BB&T.

You were able to edit any scheduled or recurring/repeating transfers by using the Scheduled Transfers screen within BankAtlantic Online Banking until 11 p.m. ET on October 11, 2012.

Any transfers you have scheduled between BankAtlantic and another financial institution will not be carried over to BB&T. The last date for these transfers to occur will be September 26, 2012. BB&T does have an external transfer service for clients with personal banking services. You will need to set these up from the Transfers tab in BB&T OnLine.

Any wire transfers you had scheduled after October 11, 2012 will not be processed and will not convert to BB&T. BB&T Small Business OnLine does offer this service for business accounts and you can enroll after logging in for the first time.

Your Online Payroll Services through BankAtlantic Online Banking will not be converted to Small Business OnLine.  Your Payroll Services will no longer be available through BankAtlantic Online Banking as of 5 p.m. ET on October 10, 2012. BB&T Small Business OnLine does offer a self-service Payroll option. You can enroll in Payroll after logging in for the first time.

Click here for important information on when to schedule your final payments and how to export your information.

If you currently receive your statements online only, you will begin receiving them again in the mail. However, once you log on to your new BB&T online account, you may  easily choose  to receive your statements online only. You can also register with BB&T Alerts to automatically receive a notice when your statement is ready for viewing.

To download your statements, follow these instructions.

You may begin using BB&T OnLine on October 15, 2012. On this day, you should do the following:

1. Log on to BB&T Online Banking.

• Visit BBT.com and look for the BB&T Online Banking Secure Logon area on the right side of your screen.
• Your user ID will be the same as it was for BankAtlantic Online Banking, unless you are otherwise notified by BB&T.
• Your password will have been temporarily set to the last five digits of your Social Security number (SSN) or taxpayer identification number (TIN), unless you received a letter from BB&T stating otherwise.
• You may  wish to add BBT.com to your bookmarks for easy access.

2. Review your accounts.

• You will see your posted and available account balances along with your new account numbers.
• You may  also see additional accounts such as your BB&T mortgage, personal credit cards, home equity lines of credit, and personal loans.
• If you do not see an account that you were previously able to see with BankAtlantic Online Banking, please contact BB&T Online Phone Support at 888-BBT-ONLINE (888-228-6654) for assistance. For clients outside of the United States, please dial 252-360-5132.

3. Review your payees.

• Review your payee information and edit it as necessary.

4. Review your scheduled and recurring/repeating internal transfers.

• Please review your upcoming scheduled internal transfers.
• The BB&T Withdrawal Date for a transfer should be the same as your BankAtlantic Online Banking Process Date.
• You may adjust your Withdrawal Date at BB&T by choosing the Edit Transfer option found in Scheduled Transfers.

5. Review your scheduled and recurring/repeating online bill payments.

• Please review your upcoming scheduled bill payments.
• The Pay Date from BankAtlantic Online Banking is the date the payee receives the payment and the date that the money is withdrawn from your payment account.  Electronic payments are deducted from your account on the Pay Date. Paper payments are not deducted from your account until they are processed by the payee.

  However, BB&T processes bill payments using the Send On date. The Send On date is when the payment will be processed and sent to the payee.  For electronic payments, money is held from your payment account on the Send On date and the payment received by the payee two business days later.  For paper payments, funds are not deducted from your account until the payee deposits the paper check.  Paper payments are received by the payee five business days after the payment is sent.

  Payments are received by the payee in either two or five days, depending on if the payee accepts payments electronically or by paper check.  Payments made to BB&T are processed and received in one day.

• You may adjust your Send On Date by choosing the Edit Payment option found in Scheduled Payments.