Essential features include Payments & Transfers, ACH & Wire services and account access for multiple users.
Learn to simplify and easily manage the day-to-day finances of your business anytime, anywhere.
Essential features include Payments & Transfers, ACH & Wire services and account access for multiple users.
Learn to simplify and easily manage the day-to-day finances of your business anytime, anywhere.
BB&T Small Business Online® offers mobile–friendly design and simple navigation so you can manage your accounts, pay bills, view online statements, transfer funds and more—wherever you are. We’ll even keep you up-to-date on account activity with alerts via text or email.
As a small business owner, you can take advantage of a variety of business services that save time and simplify your day.
Banking online is mobile friendly and offers a great experience on any device—smartphone, tablet or computer.
See the Fee Schedule for more details.
BB&T is committed to protecting your personal information and financial data. We guard your online accounts with:
QuickBooks Financial Management Software
Combining Small Business Online with QuickBooks lets you know where your business stands financially, helps you make better business decisions and keeps you prepared for tax time.
Save up to 20% on QuickBooks Pro 2014.
QuickBooks offers customized versions to help you manage your finances.
Find out more about QuickBooks.
Small business online banking is our secure banking service for businesses, offering Payments & Transfers, online statements, alerts on your account activity and balances and much more. Small Business online banking also offers business services including ACH & Wire, Multiple User Access and Self-Service Payroll.
Look for the Enroll Now button at the top of this page. You will need a BB&T business account to enroll in small business online banking. If you do not have an account, you can enroll online or speak with a client service associate at 888-BBT-ONLINE (888-228-6654).
Yes. Our top priority is to ensure the security of your personal and financial information online. Details are available on the Security Central section of our website.
You can access online banking using your smartphone, tablet or personal computer, as long as your device has Internet access. Online banking will automatically adjust to fit the screen size of any device.
You can view the following accounts with online banking:
Yes. You can add your personal accounts to your business accounts and view them together. You can also combine multiple business entities/TINs. To combine account views, contact online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.
Yes, new accounts will be automatically added to your online banking profile. If you do not wish to view the new account online, please contact online banking support through your Secure Message Center in online banking or call 888-BBT-ONLINE (888-228-6654) for assistance.
If you forget your user ID, call online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.
If you forget your password, you can reset it online by clicking the Forgot your password link beside the Password field on the online banking logon page. You will need to have your ATM or debit card, PIN, ZIP code and your user ID available to reset your password. You may also call online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.
If you want to change your user ID or password, click Edit My Profile in the Customer Service menu and click Change User ID.
As a security precaution, it is a good idea to refresh your user ID and password annually.
Read the Online Banking Disclosures.
For questions regarding online issues, you can send a secure message through online banking. You can also contact online banking support at 888-BBT-ONLINE (888-228-6654), Monday through Saturday from 6 am to midnight ET for assistance.
For questions regarding account information, you can contact customer service at 800-BANK-BBT (800-226-5228). Our automated phone service is available 24/7. Associates are available to assist you from 6 am until midnight ET.
If you suspect fraudulent activity on your account, contact the fraud department immediately at 800-226-5228. For questions regarding activity in your account, contact online banking support at 888-BBT-ONLINE (888-228-6654), Monday through Saturday from 6 am to midnight ET for assistance.
The Secure Message Center is an online banking feature that allows you to ask questions and receive information about your BB&T account. It is available for all BB&T account holders.
Messages that are sent and received through the Secure Message Center are secure because the messages never leave the BB&T servers. The messages are sent and viewed within your online banking account, so the only way to send and receive the messages is to log on to online banking.
Alerts enable anyone with an online banking account to receive information on account balances and transactions. Set alerts on the account activities most important to you. You can receive alerts by email or text message and in either English or Spanish. Alerts can be added, modified or deleted at any time.
|Daily Balance||Account balance on a daily basis.||Daily|
|Weekly Balance||Account balance once a week.||Friday|
|Low Balance||Account balance below a predefined minimum balance. You define a minimum dollar value above $1.||Daily & Real-time|
|Zero/Negative Balance||Account balance is at zero or a negative amount.||Daily & Real-time|
|Debit/Withdrawal Threshold||A debit or withdrawal posted in your account greater than the predefined maximum. You define a maximum dollar value above $1.||Daily & Real-time|
|Deposit Threshold||A deposit greater than the predefined minimum posted in your account. You may define a minimum dollar value of $1 or greater.||Daily|
|Checks Cleared||All checks that cleared in your account the previous day.||Daily|
|Returned Item/Overdraft Fee||A returned item or overdraft fee is charged to your account.||Daily|
|Deposit Correction Notice||A deposit correction has been applied to your account.||Daily|
|Online Statement Notification||A statement in online banking is available for viewing. An online statement alert can be requested for checking, savings, credit card, direct retail lending (DRL) and sales finance statements.||Daily|
|Online Banking Profile Changed||A change is made to your online banking profile.||Real-time|
|Secure Message||A new message is posted to your inbox in the online banking Secure Message Center.||Real-time|
|First Bill Payment Scheduled||Your first online bill payment is scheduled.||Real-time|
|Recipient Alert||A recipient has been added, changed or deleted in Payments & Transfers.||Real-time|
|Bill Payment Scheduled for Recipient||A bill payment has been scheduled for a recipient. You select the recipients for which you would like to receive an alert.||Real-time|
|Scheduled Bill Payment Failed to Process||All scheduled payments that failed to process on your account the previous day.||Daily|
|Repeating Bill Payment Expiring||There is only one remaining payment scheduled for a repeating bill payment.||Real-time|
Credit Card Alerts
|Credit Card Payment Due||A credit card payment is due. The alert includes the card’s current balance, minimum payment due and the payment due date.||Monthly|
|Credit Card Payment Posted||All payments that were posted to your credit card account the previous day.||Daily|
|Single Transaction Exceeded||A credit card transaction is posted in your account greater than the predefined maximum. You may define a maximum dollar value above $1.||Daily|
|Current Balance Approaching Credit Limit||Your credit card balance approaches a predefined minimum balance. You may define a minimum dollar value above $1.||Daily|
|Administrator Added||A new administrator is added to your account.||Real-time|
|New User Added||A new user is added to your account.||Real-time|
|Business Services Purchased||A Business Service is purchased. Notification sent on Multiple User Access, ACH & Wire or Self-Service Payroll purchase.||Real-time|
|Wire Transfer Status||The status of your wire transfer. There are five notification statuses: requested, changed, successful, rejected and returned.||Real-time|
|ACH Payment Status||The status of your ACH payment. There are three notification statuses: requested, changed and returned.||Real-time|
|Self-Service Direct Deposit Authorization||A Self-Service Direct Deposit request requires your authorization.||Real-time|
|ACH Insufficient Funds||Your funding account has insufficient funds to process an ACH payment.||Real-time|
|Wire Transfer Insufficient Funds||Your funding account has insufficient funds to process a wire transfer.||Real-time|
Real-time alerts are sent to you as soon as the alert is triggered. For example, if you withdraw cash at an ATM and you exceed the limit you have set in the Debit/Withdrawal Threshold Exceeded alert, an alert will be sent to you immediately.
Daily alerts are based on overnight processing. Certain real-time alerts may be delivered again through the overnight delivery processing schedule.
Daily Alert Notification Schedule
|Account transaction occurs on:||Alert will be sent the morning of:|
|Saturday or Sunday||Tuesday|
|Holiday (any day of the week)||Second business day following the holiday|
BB&T is very concerned about the safety and privacy of your information and committed to security. The alerts service uses advanced encryption technology to prevent unauthorized access to your personal information. In addition, BB&&T will never share your full account numbers, Personal Identification Number (PIN), email address, user ID or password in an alert message.
BB&T does not charge you a fee to use or access our alerts service. Messages and data rates may apply from your mobile provider. Check your text message/data plan and contact your mobile provider with any questions regarding your plan.
Making a payment online is automatically included with online banking. You may use the bill payment service through online banking, Quicken and QuickBooks. If you use Quicken or QuickBooks, fees may apply.
Your bill payments will be sent to the recipients that you designate, either as a paper check or an electronic funds transfer. All bill payments made are covered by our Online Bill Payment Guarantee.
BB&T uses two bill payment types: electronic and paper check. For recipients who do not accept electronic payments, a paper check will be sent by US Mail and the funds are withdrawn from your account after the recipient deposits the check.
For electronic payments, funds are held on the Send on date and withdrawn on the Deliver by date, which is within two business days for recipients who accept electronic payments.
For paper check payments, the paper check will be sent by US Mail and the funds are withdrawn from your account after the recipient deposits the check.
If there is not enough money in your account on the Send On date, BB&T will cancel the payment. You will not incur an NSF fee, but your bill will not be paid. You will need to reschedule your payment when you have adequate funds available in your account.
Payments can be scheduled for up to one year in advance.
Payments can be made in any amount up to $100,000.
No, there is no limit.
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 online banking support at 888-BBT-ONLINE (888-228-6654). Online banking support hours are 6 am to midnight ET, seven days a week excluding Christmas Day, December 25.
Yes, you can schedule a repeating payment or transfer by selecting a frequency after you select the recipient and account while making a payment or transferring money. Transfers cannot be scheduled to occur on weekends or bank holidays. A repeating transfer that is scheduled for one of those days will be moved to the following business day.
If you have a recipient who does not need to receive payment for two to five business days, you can make a bill payment or schedule a future dated ACH payment and wire transfer.
For next-day payments, you can use ACH payments and wire transfer. Many businesses also use ACH for payroll direct deposit. Before you use ACH, you must subscribe to the service. Once you subscribe to the service, there is a two-day wait period until you can use the service.
If you are making an international payment electronically, you will need to use the wire transfer service. Before you use a wire transfer, you must subscribe to the service. Once you subscribe to the service, there is a two-day wait period until you can use the service. If you are not subscribed to this service, please visit your local financial center to make a one-time wire transfer.
ACH payments and wire transfers can be scheduled for a date in the future. Money will not be sent until the date you specify and will arrive at the payment speed selected.
ACH payments and wire transfers both have a monthly service fee and a fee for each payment sent. See fee schedule.
A recipient can be any company, agency, organization or individual with an address that includes a valid US Postal Service ZIP code, including APO/FPO (military) addresses.
You can view all bill payments that have been processed in the last 24 months. For access to bill payment information older than 24 months, please call online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.
Yes, you can transfer funds between certain BB&T accounts and your eligible accounts at another financial institution from Payments & Transfers, using our Outside Transfer Service. Fees may apply, and this feature is not available to all BB&T clients.
Transfers can be scheduled for up to one year in advance.
The funds should be credited to that account within three business days. If you qualify for Next Business Day service, you can transfer the funds using expedited delivery. The transfer cut-off time for both services is 7 pm ET.
You can make transfers to and from a wide range of BB&T accounts, but certain restrictions do apply.
|BB&T Account Type||Transfer From||Transfer To|
|Line of Credit||Yes||Yes|
|Business Credit Card||No||Yes|
|Government Benefits Card||Yes||No|
|BB&T CollegeWealth 529 Savings||No||Yes|
|Health Savings Account (HSA)||Yes||Yes|
For transfers between your BB&T accounts, you may transfer up to $1 million in a single transfer, unless you are limited by the account type.
See the chart below for transfer limits between BB&T and another bank.
|Standard Three Business Day Outbound||$5,000||$5,000||$12,500|
|Standard Three Business Day Inbound||$5,000||$5,000||$12,500|
|Next Business Day Outbound2||$5,000||$5,000||$12,500|
|Next Business Day Inbound2||$5,000||$5,000||$12,500|
2Client must qualify for Next Business Day Service. Fees may apply.
You can view all transfers that have been processed in the last 24 months. For access to transfer information older than 24 months, please call online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.
We support the OFX Direct Connect service that allows you to directly access your BB&T online banking information using any accounting software, as long as it is compatible. Please check with your accounting software vendor to determine compatibility.
Additionally, BB&T supports exports of CSV files, which may then be imported into your accounting software.
You can access your information directly from online banking through Quicken or QuickBooks using the OFX Direct Connect service. You can also pay bills online using Quicken or QuickBooks.
Online banking supports the current version and the two previous versions of Quicken Windows and Quicken Mac, and the current version and the previous two versions of QuickBooks Windows and QuickBooks Mac. To view the systems requirements, visit Quicken or QuickBooks.
Note: A monthly service fee may be assessed to access your financial data through the OFX Direct Connect service.
You may access the following types of accounts through the OFX Direct Connect service:
Transaction history is available for 14 months through the OFX Direct Connect service.
To use online banking with your accounting software, you must have Internet access and an online banking user ID and password.
At this time, only the account owner can connect to the OFX Direct Connect service.
An ACH payment is a payment made through the Automated Clearing House (ACH), a secure, electronic network for financial transactions in the United States. With ACH payments, you can enjoy faster delivery than online bill payment with a service that is less expensive than making wire transfers. ACH payments include direct deposit payroll, federal taxes, business-to-consumer, and business-to-business transactions. There is a fee to subscribe to this service.
A wire transfer is an electronic payment service for transferring funds (for example, through the Federal Reserve Wire Network). There is a fee to subscribe to the ACH & Wire service.
ACH payments and wire transfers require you to have additional information about the recipient's account. Depending on the type of payment, you may need the recipient's ABA routing number, Swift BIC number, account number, street address and/or intermediary bank information.
You can send a maximum ACH payment or wire transfer of $75,000.
No, but you cannot send more than $75,000 over a period of three consecutive business days.
For same-day wire, a hold is placed on the funds, which become unavailable to you as soon as you submit the wire.
For ACH payments, including direct deposit, a hold is placed on the funds, which become unavailable to you the day before the payment date. For instance, if Friday is payday, and you set up the payment on Monday, the funds will be held on Thursday.
To send federal tax payments, you must first enroll with the US Department of Treasury at eftps.com. When you enroll, select the payment type that allows your financial institution to initiate your transaction.
The subscription process for ACH & Wire may take up to two business days. A valid phone number is required to send ACH payments and wire transfers.
To cancel the service, please call online support at 888-BBT-ONLINE (888-228-6654).
Yes. Small business online banking allows you to provide customized account access for additional users for one monthly fee for the service. You must subscribe to the Multiple User Access service prior to adding the users.
With Multiple User Access you can give your employees and other users the ability to make bill payments, wire transfers or ACH payments. They can also transfer money and use many other features that are available in small business online banking. For your protection, you can also limit each user’s access, including what accounts they can see and which activities they can perform.
Self-Service Payroll powered by ADP® is a complete, low-cost solution for managing your small business payroll. It includes payroll features for employees and contractors, direct deposit or payroll checks you create, signature-ready tax forms and payment reminders and transaction downloads to QuickBooks or other accounting software. There is a fee to subscribe to this service.
From the Business Services menu, click Self-Service Payroll (Subscribe). A monthly fee applies.
Yes. To send direct deposit payments through Self-Service Payroll, you must also be enrolled in the ACH & Wire transfer service. If you order more than one business service, Self-Service Payroll, ACH & Wire and/or Multiple User Access together, you may be eligible for a bundling discount. There is a fee for each individual direct deposit payment sent. See fee schedule.
Yes. To give access to a user, you must first subscribe to the Multiple User Access service.
To get technical support for payroll, call ADP at 855-285-2620.
An online statement is an electronic Portable Document Format (PDF) file of your monthly account statement that can be viewed in online banking. You can save and print your statement. For legal purposes, a printed version of an online statement is the same as a paper statement mailed through the US Mail.
Your online statement is a PDF file, which can be opened with Adobe Reader. If you do not have this software, you can download it at no cost from www.adobe.com.
Current eligible accounts for online statements include:
Please note that you are not currently able to view your Smart Money or AMA (Asset Management Account) in your online statement.
You can view up to 24 months of previous statement history for any account type.
You can sign up to receive an email or text alert that will notify you when your online statement is available. Statement alerts are available for checking, savings, credit card and other accounts.