Remove the uncertainty from accepting paper checks. Our processing services reduce loss due to check fraud and nonsufficient funds, shorten the time for checks to clear and allow you to meet customer expectations by continuing to accept paper checks.

Reduce costs due to returned checks
Recoup potential losses due to bad checks
Streamline check processing time
Give customers the payment option they expect

Electronic Check Conversion

Our electronic check program converts paper checks into electronic transactions at the point of sale. Processing checks electronically lets you take the customer's paper check and immediately transfer funds through the national Automated Clearing House (ACH) Network. Processing electronic checks allows you to:

Give your customers the option of writing paper checks
Gain the security and convenience of electronic funds transfers
Receive funds electronically from the customer's account to yours through the ACH

Conversion Only

Select conversion-only services, and get alerts for bad checks before you accept them. You continue to handle your returned checks using your internal processes.

Guaranteed Conversion

Choose guaranteed conversion services and get extra protection. In addition to verifying checks, BB&T guarantees you will be reimbursed in full for most returned checks.

Check Verification

With BB&T check verification services you'll reduce the costs associated with returned checks without having to change the way you currently deposit checks at the bank. Check verification lets you know immediately if a customer is presenting a bad check.

Scan checks through a check reader at the point of sale
Verify immediately through national check verification databases
Get instant notification of habitual bad check writers and other potential fraud

Verification Only

Select verification-only services, and get alerts for bad checks before you accept them. You continue to handle your returned checks using your internal processes.

Guaranteed Verification

Choose guaranteed verification services and get extra protection. In addition to verifying checks, BB&T guarantees you will be reimbursed in full for most returned checks.

Check Recovery

BB&T check recovery services help make the best of a bad check situation. With CheckTrack, returned checks are automatically re-presented through the Automated Clearing House (ACH) network to quickly collect your funds. This service is today's best alternative to traditional check collections.

Maximum Funds Recovery

All eligible checks processed at no cost to you
Total face amount for collected items returned to you
Collected funds automatically deposited each day
Timed attempts increase collection rates
Up to two additional collection attempts through the ACH network

Simple to Use

Notification of returns in 2 to 3 days, versus 5 to 7 days with normal processing
Complete reporting of all submitted, collected and pending items
Images of all returns on demand
No additional equipment required
Nonintrusive to customers