Manage your business accounts securely 24 hours a day, seven days a week with BB&T Small Business OnLine®. Bank conveniently from your office, home or anywhere with a computer and Internet access. Gain a competitive edge with:
BB&T Small Business OnLine provides you with a free, complete and easy banking solution. You get:
Customize access for up to 10 additional users for your account. This premium service enables you to:
BB&T Small Business OnLine offers this premium service for a low monthly fee. See the Fee Schedule for more details.
This bundled service gives you the convenience and flexibility of making a variety of payment types from your computer, without requiring you to visit a financial center:
BB&T Small Business OnLine offers these premium services together for one low monthly fee. Transactions fees also apply. See the Fee Schedule for more details.
Process your small business payroll quickly and easily, for as little as $40 per month.
Self-service payroll provides you with:
You can get started today!
Not sure if Self-Service Payroll is the best solution for your business? Use our comparison chart to evaluate the features of Full-Service and Self-Service Payroll. To speak to an ADP representative, call 855-201-2262.
BB&T Small Business OnLine is our secure browser-based banking service for businesses. It includes unlimited OnLine Bill Payment, online statements, transfers between accounts and alerts on your account activity and balances.
Premium services are additional services offered through Small Business OnLine for a low monthly fee. They allow you to customize your account for your business. Premium Services give you the ability to add additional users, make ACH & Wire payments and automate your payroll.
If you forget your User ID or password, please call BB&T Small Business OnLine at 888-BBT-ONLINE (888-228-6654).
If you wish to change your password, log on to BB&T Small Business OnLine. Go to the Customer Service tab and click "Change Password."
An ACH payment is a payment made through the Automated Clearing House (ACH), a secure electronic network for financial transactions in the United States. ACH payments include direct deposit payroll, federal taxes, business-to-consumer and business-to-business transactions.
With ACH payments, you can reduce your usage of paper checks by paying employees and vendors electronically. You can also avoid late fees and penalties by scheduling payments in advance. Enjoy faster delivery than paper checks with a service that is less expensive than making wire transfers.
First, you must enroll in our premium ACH & Wire service. On the Overview page, choose the ACH & Wire tab. Follow the on-screen instructions to enroll. A low monthly fee and transaction fees apply.
To change your settlement account, please call our online support number at 888-BBT-ONLINE (888-228-6654).
To cancel the service, please call our online support number at 888-BBT-ONLINE (888-228-6654).
You can view the following BB&T personal accounts with BB&T Small Business OnLine:
You can view all debits and credits to your accounts, as well as check and deposit slip images posted during the last 90 days.
Account nicknames are an easy way to personalize your accounts. Once assigned, they are used to identify your accounts throughout BB&T Small Business OnLine. Nicknames are only displayed within BB&T Small Business OnLine.
Yes. You can also view business accounts for multiple entities/taxpayer identification numbers (TIN). To combine account views, call our online support number at 888-BBT-ONLINE (888-228-6654).
New accounts will be automatically added to your BB&T Small Business OnLine profile. If you do not wish to view the new account online, please call our online support number at 888-BBT-ONLINE (888-228-6654).
There are a variety of ways to find a check or deposit through BB&T Small Business OnLine:
BB&T Alerts allow anyone with a BB&T Small Business OnLine® account to receive information on account balances and transactions. You set up alerts to notify you when select activity occurs on your accounts. For added protection, you will receive automatic alerts that are set up to notify you of security-related account activities.
You can choose to have your alerts sent to your email and/or mobile device.
BB&T Alerts are an integral part of your Small Business OnLine enrollment process. You can choose to receive your alerts to an email address or in a text message to your mobile phone.:
You have up to 72 hours to complete the verification process for your email address and mobile number. During this time, you can go to your Email and Mobile Settings in the Alerts tab and complete the verification process.
After 72 hours, your code will expire and you will need to re-enter your email address or mobile number in your Email and Mobile Settings in the Alerts tab.
|New User Added: Gatekeeper||Notifies you when a new user is added to your account as a Gatekeeper||Real-time|
|New User Added: Non-Gatekeeper||Notifies you when a new user is added to your account who is not a Gatekeeper||Real-time|
|Premium Services Purchased||Notifies the business owner when any Premium Service is purchased: Manage Users, ACH/Wire, and/or Payroll||Real-time|
|Wire Transfer Status Alert||
Notifies you of the status of your Wire Transfer:
|ACH Payment Status Alert||
Notifies you of the status of your ACH Payment:
|Payroll Direct Deposit Authorization||
Notifies you when an OnLine Payroll deposit request requires your authorization
In addition to your required alerts, the table below summarizes the optional alerts available
|Daily Balance||Notifies you of your account balance on a daily basis||Daily|
|Weekly Balance||Notifies you of your account balance once a week||Friday|
|Low Balance||Notifies you when your account balance falls below a predefined minimum balance. You may define a minimum dollar value above $1.00.||Daily & Real-time|
|Zero/Negative Balance||Notifies you when your account balance falls to $0.00 or less||Daily & Real-time|
|Debit/Withdrawal Threshold Exceeded||Notifies you when a debit or withdrawal is posted to your account that is greater than the predefined maximum. You may define a maximum dollar value above $1.00.||Daily & Real-time|
|Deposit Threshold||Notifies you when a deposit greater than the predefined minimum is posted in your account. You may define a minimum dollar value of $0.00 or greater.||Daily|
|Checks Cleared||Sends a listing of all checks that cleared in your account the previous day||Daily|
|Returned Item/ Overdraft Fee||Notifies you when your account is charged a Returned Item or Overdraft fee. NOTE: You will no longer receive paper notices when you select this alert.||Daily|
|ACH Insufficient Funds||Notifies you when your funding account has insufficient funds to process an ACH payment.||Real-time|
|Wire Transfer Insufficient Funds||Notifies you when your funding account has insufficient funds to process a Wire transfer.||Real-time|
|Online Statement Notification||Notifies you when a statement in Small Business OnLine Banking is available for viewing. An Online Statement Notification Alert can be requested for Checking, Savings, Credit Card, Direct Retail Lending (DRL) and Sales Finance statements.||Daily|
|Secure Message||Notifies you whenever a new message is posted to your inbox in the BB&T Small Business OnLine Secure Message Center||Real-Time|
|First Bill Payment Scheduled||Notifies you when your first online bill payment has been scheduled.||Real-time|
|Payee Alert||Notifies you when a Payee is added, edited or deleted in OnLine Bill Payment.||Real-time|
|Payment Scheduled to Payee||Notifies you when a payment is scheduled to a payee. You select which payees to be notified on.||Real-Time|
|Scheduled Bill Payment Failed to Process||Notifies you of all scheduled payments that failed to process on your account the previous day.||Daily|
|Repeating Bill Payment Expiring||Notifies you when there is only one remaining payment scheduled for a repeating bill payment||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 immediately.
Daily alerts are based on overnight processing. Certain real–time alerts may be delivered again as part of the overnight delivery processing.
Daily Alert Notification Schedule
|Account transaction occurs on:||Daily alert will be sent the morning of:|
|Saturday or Sunday||Tuesday|
|Holiday (any day of the week)||2nd business day following the holiday|
Daily alerts display your Posted Balance, which is the actual amount of money posted in your account, and real-time alerts display your Available Balance, which is the amount of money you have to draw upon. Your Available Balance does not include funds that are being held. For example, only the first $100 of a pending ATM deposit is immediately available and included in the Available Balance.
The Posted Balance is updated once a day, at night, Monday through Friday. The Available Balance can change throughout the day as you make deposits or withdrawals, or use ATMs or your BB&T Check Card.
BB&T places the highest priority on the safety and privacy of your information and is committed to security. BB&T Alerts uses the same security as BB&T OnLine® banking. To ensure the security of your account information, a number of security features have been built into Alerts.
Secure Registration Process: The unique verification code required to verify your email address or mobile device's phone number and associates your email address and/or mobile phone number with your account. In addition to the security measure, this verification lets you know your email address or mobile device's phone number was successfully entered into the system.
No Identifiable Information: No Alert is returned with any personally identifiable information, such as your full account number, PIN, or email or personal address. Your User ID and Password will never be included in any of the text messages you receive from BB&T.
Your mobile device must be capable of sending and receiving text messages. This includes mobile phones, smart phones mobile devices for Android™, Apple® or BlackBerry®.
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 provider with any questions about what your plan includes.
Yes, you can change your email address and mobile number in the Email and Mobile Settings under the Alerts tab. Click on the Edit icon for the email or mobile number you want to change. Enter the new email address or mobile number. Verify your new email or mobile number. After completing the verification process, your alerts will automatically be sent to the new email address or mobile number.
You can change your alert settings in Manage Alerts under the Alerts tab.
You can temporarily suspend all of your alerts in Email and Mobile Settings under the Alerts tab. Under Suspend Alerts for All Accounts check Suspend Alerts then either set the date range you want them suspended for or select until further notice.
You can choose simple text or html email formats. This selection will apply to all email addresses listed in Email and Mobile Settings under the Alerts tab.
The Quiet Times feature allows you to set times you don’t want to receive alerts. Your alerts will be saved and sent once your Quiet Time has ended. You can specify this period of time for each mobile device listed in Email and Mobile Settings under the Alerts tab.
Mobile providers typically save undelivered text messages until you turn your mobile device back on. You should receive the alert the next time your device is turned on. You can always check your alert history by logging on to online banking and viewing your alerts in Alert History under the Alerts tab. All email and text message alerts sent during the past 30 days will be saved in your alerts history.
For your security, you cannot opt out of the automatic alerts.
You can stop an optional alert by going to Manage Alerts in the Alerts tab and unchecking the contact point for the alert.
You can text STOP 69228 (MYBBT) to turn off alerts and mobile banking capabilities from your mobile device. STOP works only for mobile devices, not email addresses.
Note: If you decide that you would like to restart alerts on your mobile device, text START to 69228 (MYBBT).
If you have not received your verification code, please make sure your email or mobile device phone number is entered correctly in Email and Mobile Settings under the Alerts tab. If it is, please follow the steps below:
Verification through email:
Verification through a mobile device:
Yes, BB&T Small Business OnLine allows you to provide customized account access for up to 10 users. Note: You must first enroll in the service prior to adding additional users. Click on the Manage Users tab at the top of the screen. Follow the on-screen instructions to enroll. A low monthly fee applies.
To add a new user, you must have their name, Social Security number, date of birth, home address and a valid email address. This information must be successfully verified before an individual can be added as a user to your BB&T Small Business OnLine account.
Yes, you can give your employees and other users the ability to make bill payments, wire transfers or ACH payments. They can also transfer funds and use many other features that are available in BB&T Small Business OnLine. For your protection, you can also limit each user’s access—what a user can see and/or which activities they can perform. Transaction fees apply.
Click on the Manage Users tab at the top of the screen. From there, you can add users and customize their access by clicking the "Add User" link. Then follow the on screen instructions. Low monthly fees and transaction fees apply.
OnLine Bill Payment is free to all BB&T Small Business OnLine clients.
OnLine Bill Payment is a free service automatically included with BB&T Small Business OnLine. Your bill payments will be sent to the payees you designate. The payments will be made as paper checks or electronic funds transfers. All payments made through OnLine Bill Payment are covered by our OnLine Bill Payment Guarantee.
To use OnLine Bill Payment, you must first create a list of payees—the individuals and organizations who will receive your payments. You will then schedule the date you want your payment to be sent, which is the processing date. If it is sent by check, your payment will be delivered to your payee within five business days of this date. If the payee accepts electronic payments, it will be delivered within two business days. If the payment is made to BB&T, it will arrive on the next business day.
For electronic bill payments, funds from your account are "held" two days before the delivery date to allow for processing. The hold reduces your available balance by the amount of the payment. The funds for your payment must be available on the processing date. However, the funds are not actually withdrawn from your account until two days later, after 7 p.m. ET on the payment delivery date.
For check payments, no funds are held, and your available balance is not reduced on the payment processing date. It is not until the check actually posts to your account that funds are withdrawn. The funds withdrawal date will vary depending on when your payee deposits the check payment. Although funds are not held when your paper-check payment is processed, sufficient funds must be available in your account on the processing date for your payment to process.
After BB&T processes your payment, your Payment History will be updated. You can find it under the OnLine Bill Payment tab. Your payment history provides all the details about your payment, including its status. A processed payment will display as "processed." A payment deleted prior to processing, or a payment that could not be processed due to insufficient funds, will display as "cancelled." Details about the payment method (electronic transfer or paper check) are also available under this tab.
After payments have been processed, you can review all of your payment details. To do this, see your Payment History under the OnLine Bill Payment tab. Your payment history automatically shows the past 30 days of activity. You may also search for payments to a specific payee, from a specific account, or during a specific time period. Your history displays the date sent, account debited, payee name, amount, status and details. Payment details include the payment method: electronic or paper-check.
BB&T uses the fastest means possible to deliver your payments. If your payee accepts electronic payments, we send your payment by electronic transfer. Electronic payments take two days to process and deliver. If your payee does not accept electronic bill payments, we generate a paper check on your behalf and mail it. Processing and delivery of paper checks takes five days.
Yes. Because BB&T wants to deliver your payment as quickly as possible, we establish new electronic connections to payees on a continual basis. Periodically, you may notice that a paper-check payee has converted to an electronic payee. On the other hand, an electronic payee may occasionally convert to a paper-check payee.
Yes. There will be no change to the account features you currently enjoy, if you access your account information through BB&T Small Business OnLine.
A deposit made at a branch at any time during the day will not be credited to your account in time for the 7 p.m. ET bill payment processing cycle.
A payee can be any company, agency, organization or individual with an address that includes a valid U.S. Postal Service ZIP code, including APO/FPO (military) addresses.
Payments can be scheduled up to one year in advance.
Payments can be in any amount up to $100,000.
You may have as many payees as you like. There is no limit to the number of individuals or organizations you may add to your payee list.
You may begin making payments immediately.
There is no limit to the number of payments you may schedule per month.
Payee information can be easily updated. We recommend that you verify your payee information regularly. Paper-check bill payments that are delivered to an incorrect mailing address will be returned to the account holder’s mailing address. If this happens, please update the payee’s address and schedule a new payment.
You may add, remove or edit payees on your list anytime and as often as you wish.
Yes. Bill payments processed as paper checks are available as check images in your online account history, which you can review through BB&T Small Business OnLine.
Our paper-check bill payments are printed by a third party. These checks appear different from your normal checks to help distinguish them from the checks that you yourself write. All bill payment check numbers are six digits, starting with the two-digit prefix "97." Bill payment check numbers are not sequential.
On each paper-check bill payment, the account holder’s name and address is printed as the payor. The payee name and address matches the information you entered in OnLine Bill Payment.
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 BB&T Small Business OnLine support team at 888-BBT-ONLINE (888-228-6654). Support hours are 6 a.m. to midnight ET, seven days a week excluding Christmas Day, December 25.
Yes. All payments can be either modified or deleted up to 7 p.m. ET on the processing date.
Please contact BB&T Small Business OnLine support at 888-BBT-ONLINE (888-228-6654). BB&T Online Support hours are from 6 a.m. to midnight ET, seven days a week, excluding Christmas Day, December 25. Stop payment fees may be charged to your account, per the Financial Services Pricing Guide available at your local branch.
If this happens, call BB&T Small Business OnLine support at 888-BBT-ONLINE (888-228-6654). BB&T Online Support hours are 6 a.m. to midnight ET, seven days a week, excluding Christmas Day, December 25. Our staff will investigate the matter for you and will notify you of the findings. We will refund the payment amount to your account if the issue has not been resolved within 10 business days of receiving the error notice. Please note that those funds will be withdrawn from your account when the case has been resolved and the bill payment is posted with the payee.
As long as the conditions are met for the OnLine Bill Payment Guarantee, BB&T will reimburse you for any late fees or interest penalties. For payments not received, BB&T will stop the payment and refund your account until posting information has been received and verified. You will also receive provisional credit until posting information has been received and verified.
An online statement is an electronic copy of your monthly account statement that can be viewed through BB&T Small Business OnLine. You can also save and print your statement. Online statements contain the same information as your printed statements that you receive in the mail. For legal purposes, a printed version of an online statement is the same as a paper statement mailed through the U.S. Postal Service.
If you have an existing BB&T Small Business OnLine account, you may view online statements for eligible accounts. Current eligible accounts include BB&T retail checking accounts, as well as other deposit accounts that are part of your current consolidated statement. This includes individual statements and consolidated (grouped) statements.
Please note that clients who have requested that their account be hidden in BB&T Small Business OnLine will not see their statement online.
Generally, your statement will be available online within 24 hours after your statement cut-off date. The cut-off date for your online statement is the same as your paper statement. For example, if your paper statement cut-off date is June 26, your online statement will be available on June 27, barring any unusual circumstances.
Online statements are provided to BB&T Small Business OnLine clients free of charge.
Online statements are available through BB&T Small Business OnLine under the Statements tab.
You can view your current statement and up to 24 months of previous statements.
Your online statement is a Portable Document Form (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.
Under the Recent Statements column, click the "Save PDF" link for the statement that you want to save. The PDF can be opened and printed from your computer.
If you receive check images with your paper statement, check images will also be available with your online statement. Additionally, you can view 90 days of check images through BB&T Small Business OnLine, including the front and back of your check in full size. You can also print these images.
To request a copy of a check or to view a check you can:
To request a copy of a statement or view a statement you can:
OnLine Payroll powered by ADP is a complete, low-cost solution for managing your small business payroll. OnLine Payroll includes:
First, you must enroll in our premium Payroll service. On the Overview page, go to the Payroll tab. Follow the screen instructions to enroll.
A low monthly fee applies.
Yes. To send Direct Deposit payments through Payroll, you must first enroll in the ACH & Wire premium service.
There is an additional fee for each Direct Deposit payment initiated through OnLine Payroll, please see pricing guide for ACH & Wire transactions.
Yes, you can give your employees and other users the ability to access Payroll. To give access to a user, you must first enroll in Manage Users premium service. Once enrolled in Manage Users, go to the Manage User tab at the top of the screen. From there, you can add users and customize their access. Low monthly fees and transaction fees apply.
To get technical support for OnLine Payroll call 855-285-2620.
To cancel the service, please call 888-BBT-ONLINE (888-228-6654).
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For a Mac
Pending transactions reflect transaction activity and holds affecting your available balance. Transactions in this section include both debits and credits. Some pending deposit amounts may include funds that are being held. Some pending debits may reflect a merchant hold on your account, which may or may not be the final amount posted to your account.
Some merchants request an authorization for a general amount, or an amount they estimate you will spend. The amount authorized can be higher or lower than the actual amount of the transaction. The authorization shows as a pending transaction and places a hold on funds in your account, affecting your available balance. When the transaction posts, your account is charged the actual amount of the transaction and the authorization/hold goes away. Examples include:
Certain transactions, such as ATM or Check Card PIN-based transactions, will roll up into a single, summary item.
For example, if you were to make the following purchases using your Check Card and PIN:
Then you would see the following in your pending transaction data:
ATM/PIN/Electronic - Debits: $83.00
Your available balance is the amount you have to draw upon. It includes any pending deposits, purchases and withdrawals, less any holds on your account such as pending ATM deposits which only have $100 of the deposit immediately available. Most pending transactions will post to your account within 24 to 48 hours.
At this time, pending transactions are provided for checking and savings accounts.
BB&T Small Business OnLine is a free service to all BB&T business clients. However, fees may be assessed for using any additional premium services. See the Fee Schedule.
After you select a premium service, BB&T Small Business OnLine service charges will be debited from your account on the first day of the following month. Should this date fall on a weekend or holiday, your account will be debited the next available business day.
Transaction fees are debited from your chosen billing account on the date the transaction is processed.
Yes, monthly service fees are assessed regardless whether a premium service has been used during that billable month.
Yes. BB&T places the highest priority on the security of your personal information. The instant you log on to BB&T Small Business OnLine, before your User ID and password leave your computer, we encrypt them both using 128-bit Secure Sockets Layer (SSL) technology. This security measure ensures that only BB&T has access to your account information. To further protect your privacy while you are using the service, we will automatically log you out of BB&T Small Business OnLine after several minutes of inactivity.
We have mulitple levels of firewalls to shield our network and provide business-specific security controls to help prevent fraud no your online account. With BB&T Complete Client Protection, you have security experts and advanced technology safeguarding your personal and financial information.
SSL stands for Secure Socket Layer. This technology minimizes the risk of third parties intercepting personal information online. It allows users to establish secure sessions with Internet sites. BB&T Small Business OnLine uses SSL at logon to secure your online banking session.
Encryption is the scrambling of information as it is transmitted back and forth between two points. To decode the information, a key is required. When you request information about your accounts, your request is encrypted and sent to BB&T. We then decode your request and send your information back to you in an encrypted format. When you receive your information, it is decoded so you can read it. Because your account information is being transmitted between you and BB&T, encryption protects your account information so it cannot be intercepted and read by a third party.
It is very important that you properly and securely end each BB&T Small Business OnLine session by clicking Logoff at the top right of the screen. Logging off is the only way BB&T Small Business OnLine knows you have ended your session.
If you leave without properly logging off—by going directly to another website, for example—and then leave your computer unattended, someone else could access your computer and return to your online banking session. At that point, they would have access to your personal account information and could initiate transactions as if they were you.
There are a variety of self-service features available to you through BB&T Small Business OnLine. You can:
Yes. You can reorder checks and supplies (deposit slips, covers, etc.) by selecting the Customer Service tab within BB&T Small Business OnLine.
For questions regarding your accounts or services, you can send and receive secure messages using BB&T Small Business OnLine. On the Customer Service tab, go to the Message Center and select "Send Message." You can also call Customer Service at 888-BBT-ONLINE (888-228-6654).
When email is transmitted over the Internet, there is a small possibility the message could be intercepted by a third party. To prevent other people from potentially gaining access to your account and personal information, we deliver our messages to the Message Center on our secure site instead of your email address. You can log on to BB&T Small Business OnLine to safely read messages containing your sensitive information.
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For a Mac
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Small Business OnLine is compatible with both Windows and Macintosh operating systems.
Small Business OnLine is optimized for the latest versions of most browsers, ensuring that your online experience is safe and secure.
For a Mac
Yes. We are able to offer Quicken and Quickbooks through a direct connection with BB&T Small Business OnLine.
The following types of transfers may be performed using BB&T Small Business OnLine services.
|Account Type||Transfer From||Transfer To|
|Line of Credit||Yes||Yes|
|Retail Credit Card||Yes||Yes|
|Business Credit Card||No||Yes|
|Money Transfer Account||No||Yes|
Funds availability will depend upon the account type to which you are transferring the money. See the following chart for details.
|Account Type||Funds Availability|
|Credit Line||Next Day|
|Credit Card||Two Days|
|Mortgage||Same Day (until 9 p.m. ET)|
Unless limited by the account type, you may transfer up to $1 million in a single transfer to another BB&T account.
If you transfer the exact amount due for the current payment, your principal and interest account will be credited in the same amount as if you had mailed in a check.
If the transfer amount is less than a regular payment amount, and the payment is due for the next month, the funds will post as a reduction of the principal amount.
If you transfer more than the current payment due, the funds will be credited in one of two ways.
If the transfer is for more than the regular payment amount but less than two payments, it will post as a regular payment. Any fees that are due will be paid, and the remaining amount will be credited toward reducing the principal amount.
If the transfer is double or more than the regular payment amount, it may post as two payments. Any amount over the sum of two regular payments will first go to pay off any fees that are due and up to $5,000 will be counted towards reducing the principal amount. Any amount over $5,000 will be held in a suspense account.
A wire transfer is an electronic payment service for transferring funds (for example, through the Federal Reserve Wire Network).
Wire transfer payments move money quickly, securely and cost effectively through the payment network. They allow for same-day availability of funds if initiated before the payment deadline. Wire transfers initiated through Small Business OnLine offer significant cost savings versus wire transfers made at financial centers.
First, you must enroll in the ACH & Wire service. Choose the ACH & Wire tab at the top of the page and follow the on-screen instructions to enroll. Low monthly fees and transaction fees apply.