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 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&T24 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® or Android® 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.
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:
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.
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.
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 begin using BB&T Online Banking on October 15, 2012.
BB&T provides many of the same services you have enjoyed with BankAtlantic. However, there are some significant differences in the services which are outlined below.
|BankAtlantic Online Banking||BB&T Online Banking|
|Available Account Types||
|Forgotten Passwords and Locked Accounts||If you are locked out of online banking due to a series of incorrect password attempts, you can regain access by calling a BankAtlantic Online Banking administrator.||You may reset your password and unlock your account online.|
|Small Business Online Banking||ACH Payments & Wire Transfers
Make a variety of payment types, all of them available for one low monthly fee.
Customize access for up to 10 additional users, and reduce the risk of sharing passwords with employees. The service is available for a low monthly fee.
Use a complete, self-service, low-cost solution for managing the payroll of your small business. The service is available for a low monthly fee.
|Balance Information||The online system displays both Current Balance and Available Balance.
Current Balance is your account balance as of the last processing date.
Available Balance is your balance as of the last processing date, plus or minus any pending transactions.
|The online system displays both Posted Balance and Available Balance.
Posted Balance is your account balance as of the last processing date.
Available Balance is your balance as of the last processing date, plus any pending transactions within the same day.
|Check Images||View check and deposit slip images from the current month and previous cycles up to approximately 24 months.||View up to six months of check images and deposit slips.|
|Transfers to Accounts at Other Financial Institutions||BankAtlantic Online Banking has the ability to transfer money to other financial institutions.||BB&T OnLine offers the ability for personal checking and savings accounts to transfer money between checking and savings accounts owned by you at other financial institutions.|
|Bill Payment Fees||Online bill payment service is free for consumers.||BB&T OnLine Bill Payment is free for all clients.|
|Maximum Bill Payment Amounts||Payments may not be less than $0.01 or greater than $99,999.99.||Maximum amount is $100,000 per bill payment transaction.|
|Bill Payment Processing Dates||A Pay Date is chosen, not a withdrawal date. For immediate, one-time bill payments, the Pay Date is not always the withdrawal date.||BB&T allows you to choose the date that your payment will be processed and sent to the payee, the Send On Date. For electronic payments, money is held from your account on the Send On Date and the payment is received by the payee two business days later. Funds for paper check bill payments are not withdrawn until the date the check clears your account.
The Delivery Date is automatically calculated when you enter your Send On Date. The Delivery Date is the date your payee will receive your payment.
|Withdrawal Dates for Payments Scheduled on Weekends and Holidays||BankAtlantic’s Online Bill Payment will not allow you to schedule a future payment on a weekend or holiday, and will suggest the next business day as the Pay Date.
If a recurring payment falls on a weekend or holiday, the Pay Date for your payment will be automatically moved back as necessary to ensure your payment arrives to your payee in the stated delivery timeframe.
|BB&T OnLine Bill Payment will not allow you to schedule a future payment on a weekend or holiday, and will suggest the next business day as the Send On Date.
If a recurring payment falls on a weekend or holiday, the Send On Date for your payment will be automatically moved back as necessary to ensure your payment arrives to your payee in the stated delivery timeframe.
|Bill Pay/Transfer Cut-Off Times||BankAtlantic’s Online Bill Payment cutoff time is 10 p.m. ET.
Transfer cutoff time is 11 p.m. ET.
|BB&T OnLine Bill Payment cutoff time is 7 p.m. ET.
Transfer cutoff time is 9 p.m. ET for internal transfers.
|Bill Payment Overdraft Fee||Overdraft fees apply to bill payments that cause Nonsufficient Funds/Overdraft items (NSF/OD).||If a bill payment transaction causes/results in a Nonsufficient funds/Overdraft, then an overdraft fee is assessed.|
|Personal Financial Management Software||Transaction history information can be exported from BankAtlantic Online Banking into Quicken® and QuickBooks®.||Download your banking transaction history, pay bills and make transfers with Quicken and QuickBooks for a monthly fee.|
|Customer Service Availability||Customer Service is available from 8 a.m. to 7 p.m. ET, Monday through Friday; 8:30 a.m. – 4 p.m. ET Saturdays; and 12 p.m. – 4 p.m. ET on Sundays||
BB&T Online Banking Support is available from 6 a.m. to midnight, ET, seven days a week, excluding Christmas Day.
For clients outside the United States: 252-360-5132.
BankAtlantic Online Banking, offers email alerts relating to your account balance, transactions, due dates, maturity dates and profile changes.
BB&T Alerts allow you to receive email and text message notification of your account balances, transactions, statement availability, profile changes and much more.
Anyone enrolled with BankAtlantic’s Online Banking can access their account information using Mobile Banking. With your cell phone or mobile device, you can:
*Only available using Mobile Web
Mobile Banking offers the following options to access your accounts:
With BB&T Mobile, anyone with a BB&T online banking account can access eligible accounts from a cell phone or mobile device. You can check account balances, review recent account activity, pay bills and transfer money between accounts 24/7. You can even deposit checks using our smartphone app.
BB&T OnLine Help:
BB&T OnLine Banking Support:
Client Service Email
To enroll in BB&T Alerts, please follow these steps:
Verify your mobile number and/or email address:
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, pay bills and transfer money between accounts 24/7.
Mobile banking offers three ways to access your accounts:
Visit the BB&T Mobile product page for details and guided demos.
A welcome message confirming your mobile banking enrollment will be sent to your mobile device. You are now ready to begin using BB&T Mobile.
Direct Connect offers you an easy, automatic transfer of your financial data:
A new Quicken and QuickBooks data file will need to be created following the conversion to BB&T: