Frequently Asked Questions

General Questions about the Conversion of BankAtlantic to BB&T

Converting to BB&T

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.

Will my account numbers stay the same?

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.

Will I need new checks and deposit slips?

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.

What happens to my direct deposits and automatic drafts?

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.

What will happen to my monthly statements?

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.

How long can I use my BankAtlantic debit card?

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.

Will my PIN change?

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.

Will my online banking and online bill payment change?

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.

What are BB&T Alerts?

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.

Does BB&T offer mobile banking?

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.

What will happen to my existing loans and mortgages?

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.

Will I still be able to bank at the locations I previously used?

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&T24ATMs in 12 states and the District of Columbia.

I have more questions. Is there a number I can call?

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.

Conversion Details

What are the key dates I should know?

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.

What should I do prior to the conversion?

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.

How do I back up my BankAtlantic Online Banking transaction history?

To back up your transaction history, follow these instructions.

What will happen to my scheduled and repeating/recurring bill payments?

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.

I have eBills. Will they transfer too?

Yes, you will continue to have access to eBills.

How do I download my BankAtlantic Online Banking bill payment history?

To download your bill payment history, follow these instructions.

What will happen to my scheduled internal transfers?

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.

What will happen to my scheduled external transfers?

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.

What will happen to my wire transfers?

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.

What will happen to my Online Payroll Services?

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.

What will happen to my online statement notification?

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.

How do I download my BankAtlantic Online Banking statements?

To download your statements, follow these instructions.

What should I do after the conversion?

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.
  •  

BB&T OnLine and BB&T Small Business OnLine

How do I log on to BB&T Online Banking?

You may begin using BB&T Online Banking on October 15, 2012.

  • Visit BBT.com and look for the BB&T Online Banking Secure Logon area on the upper  right-hand side of your screen.

    Logon
  • Your User ID will be the same as it was for BankAtlantic Online Banking, unless you have been notified otherwise by BB&T.
  • Your password will be 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.

What are the differences between BankAtlantic Online Banking and BB&T Online Banking?

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
  • Checking
  • Money market
  • Savings
  • CDs/IRAs
  • Credit lines
  • Consumer loans
  • Business loans
  • Checking
  • Money market
  • Savings
  • CDs/IRAs
  • Credit lines
  • Mortgages
  • Consumer loans
  • Business loans
  • Credit cards
  • Investments and Trust
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.

Manage Users
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.

Online Payroll
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.

 

888-BBT-ONLINE (888-228-6654)

 

For clients outside the United States: 252-360-5132.
Alerts

BankAtlantic Online Banking, offers email alerts relating to your account balance, transactions, due dates, maturity dates and profile changes.
BankAtlantic offers the following alerts:

  • Balance. Balance Above, Balance Below, Periodic Balance
  • Transaction. Withdraw More Than, Deposit More Than, Check Cleared,
  • Date. Fixed Deposit Maturity
  • Account. Profile Change (User ID, Password or Email Address)

BB&T Alerts allow you to receive email and text message notification of your account balances, transactions, statement availability, profile changes and much more.
If you are currently using alerts with BankAtlantic, make sure you set up your alerts in the Alerts tab.
BB&T offers the following alerts:

  • Balance. Daily, Weekly, Low, Zero/Negative
  • Transaction. Debit Withdrawal Threshold Exceeded, Deposit Threshold Exceeded, Checks Cleared, Returned Items/OD Fee
  • Bill Payment. First Bill Payment Scheduled, Payee Added/Changed/Deleted, Scheduled Bill Payment for Payee, Bill Payment Failed, Repeating Bill Payment Expiring
  • Credit Card. Daily Balance, Payment Due, Payment Posted, Single Transaction Exceeded, Current Balance Approaching Credit Limit
  • Online Statement Notification. Checking, Savings, Credit Card, Personal Loan and Auto Loan statements
  • Account. Online Banking Profile Change (User ID, password) and Secure Message Posted.
Mobile Banking

Anyone enrolled with BankAtlantic’s Online Banking can access their account information using Mobile Banking.  With your cell phone or mobile device, you can:

  • View account balances and transaction history
  • Transfer funds between accounts
  • Pay bills and view pending payments*
  • Find nearby BankAtlantic ATMs or branches

*Only available using Mobile Web

Mobile Banking offers the following options to access your accounts:

  • SMS Text Banking
  • Mobile Web
  • iPhone App
  • Android App

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.
Mobile banking offers three ways to access your accounts:

  • Mobile Text—Send us a text message and we will text your account info to you.
  • Mobile Web—Use your mobile phone browser to access bbt.mobi.
  • Mobile App—Download our free app for your iPhone®, AndroidTM, or BlackBerry® smartphone.
If you are currently using BankAtlantic mobile banking, you will need to re-register with BB&T Mobile in order to access mobile banking services.

Where can I get more helpful information about BB&T Online Banking?

You have several options for getting help with BB&T OnLine.

Online

BB&T OnLine Help:

You may find answers to many of your questions through the convenient online Help pages found in every section of BB&T OnLine.
BB&T Small Business OnLine Help:

You may find answers to many of your questions through the convenient online Help pages found in every section of BB&T Small Business OnLine.
Phone

BB&T OnLine Banking Support:

Please call 888-BBT-ONLINE (888-228-6654).

Clients outside the United States, please call 252-360-5132.

Hours of operation are from 6 a.m. to midnight ET, seven days a week, except Christmas Day.
Email

Client Service Email

You may also send your questions to client service using our high-security encrypted email system within online banking.

Can I view a demo for BB&T OnLine?

Yes. BB&T has guided demos for BB&T OnLine and BB&T OnLine Bill Payment for you to view at your convenience.

Can I view the BB&T OnLine Banking Agreement and Initial Disclosures?

You may view the BB&T OnLine Banking Agreement and Initial Disclosures for both personal and business clients at any time. These are also available from the Customer Service page within online banking for future reference.

BB&T Mobile and Alerts

What are BB&T Alerts?

BB&T Alerts allow anyone with a BB&T online banking account to receive information on account balances and transactions. With BB&T Alerts, you set up alerts to notify you when select activity occurs on your accounts. You can choose to have your alerts sent to your email and/or mobile device. Visit the BB&T Alerts product page for a complete list of available alerts and additional information.

How do I sign up for BB&T Alerts?

To enroll in BB&T Alerts, please follow these steps:

  1. Go to BBT.com and log on to online banking.
  2. Click on the Alerts tab.
  3. Enter a mobile number and/or email address where you would like to receive alerts.
  4. A unique verification code will be sent to identify your mobile phone number or email address and associate it with your account.
  • Mobile number: respond YES to the verification text message you receive from 69228 (MYBBT).
  • Email address: enter the verification code you receive from alerts@message.bbt.com exactly as it appears (code is case sensitive) in the verification code box on the enrollment screen.

Verify your mobile number and/or email address:

  • Select the account(s).
  • Note: If you prefer to set up your alerts at a later date, click the Set Alerts Later link to skip this step but still complete your enrollment.
  • Choose alerts for each account.

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, pay bills 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 your account info to you.
  • Mobile Web—Use your mobile phone browser to access bbt.mobi.
  • Mobile App—Download our free app for your iPhone® or Android smartphone.

Visit the BB&T Mobile product page for details and guided demos.

How do I sign up for BB&T Mobile?

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 beneath the Message Center.
  4. Enter and confirm your mobile number.
  5. Check your mobile for a verification text message from MYBBT (69228).
  6. Text YES to verify your number.
  7. Receive your confirmation text.

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.

Personal Financial Management Products

What personal financial management software products does BB&T support?

BB&T provides Direct Connect support for newest version and two versions back for Quicken and QuickBooks desktop software.

What are the benefits of Direct Connect?

Direct Connect offers you an easy, automatic transfer of your financial data:

  • Download transactions into Quicken or QuickBooks automatically, with no manual data entry.
  • Reconcile data automatically. Your complete transaction and balance information makes categorization and account reconciliation easy.
  • Eliminate duplicate transactions. A special transaction-matching algorithm prevents the download of duplicate transactions.
  • Choose the One-Step Update feature from Quicken, which instantly connects Quicken to BB&T’s OFX server to download transactions and balances, and schedule payments.

How do I convert my accounts within Quicken and QuickBooks?

A new Quicken and QuickBooks data file will need to be created following the conversion to BB&T:

  • You will need to have downloaded your BankAtlantic transactions and backed up your software data file prior to October 11, 2012.
  • Deactivate BankAtlantic from your software.
  • Start a new data file with BB&T on or after October 15, 2012. For instructions, see the Getting Started tabs on the BBT.com pages for Quicken and QuickBooks.

BankAtlantic Is Now BB&T

Contact Us

Send us an email

or call 800-BANK-BBT

(800-226-5228).