BB&T Online Banking Agreement and Initial Disclosures

Effective August 11, 2019

I. Introduction

A. Applicability

This Agreement and Initial Disclosures (the agreement) governs your use of the service. By subscribing to the service or using the service, you agree to the terms of this agreement. Please read this agreement carefully and in its entirety. We suggest you print a copy of this agreement. We also suggest you print a copy of the software license agreements included with the personal financial management software.

B. Access to the service

You may use an electronic device to access the service through BB&T Online® or personal financial management software, which you must purchase from the software manufacturer or a retailer of your choice. Your use of the personal financial management software is governed by the software license agreements included with each software application. You must agree to the terms and conditions of the software license agreements during the installation of the personal financial management software on your electronic device. You are responsible for the correct set-up and installation of the personal financial management software.

II. Definitions

The following definitions apply in this agreement.

  • Account(s) refers to your eligible checking, savings, money market, loan, line of credit, credit card, prepaid card account or mortgage account you have with BB&T. Some of your accounts may not be eligible for certain transactions using the service.
  • Account agreement(s) means any account agreement, such as the Bank Services Agreement (for consumer accounts) and the Commercial Bank Services Agreement (for business accounts), or other applicable agreement, as amended from time to time, relating to a deposit account, loan or other relationship you have with us.
  • Affiliate means, with respect to any person, another person who directly or indirectly owns or controls such person, is owned or controlled by such person or is under common ownership or control with such person; and the term also includes each of such persons' senior executive officers, directors, executives, managers, members or partners.
  • Applicable law means, as to any person, a requirement imposed by any federal, state, local or other law, regulation, rule, ordinance, determination of an arbitrator, order of a court or determination, order, finding, advisory opinion, guideline or requirement of any other governmental authority, which is applicable to and binding upon such person, including without limitation, the laws, regulations and orders administered by the Office of Foreign Assets Control (OFAC), and the Financial Crimes Enforcement Network (FinCEN).
  • BB&T refers to Branch Banking and Trust Company and its depository institution affiliates where your accounts may be located. 
  • Online banking means the Internet application through which you may access the service.
  • Business day(s) means Monday through Friday, except Federal Reserve holidays.
  • Combined service means both commercial and consumer accounts may be accessed by using the service.
  • Deliver By date refers to the date on which your payment will be delivered to the recipient.
  • Non-BB&T account(s) means your personal checking or savings account at another financial institution.
  • Recipient refers to any business, merchant or professional with a valid 5-digit US Postal Service ZIP address that generates a bill or invoice for services, or services provided on your behalf.
  • Recipient account refers to the account to which the recipient will credit your payment.
  • Recipient information refers to information about a recipient used to properly direct payment to the recipient and permit the recipient to identify the correct recipient account.
  • Personal financial management software means the computer program through which you may access the service. See the Online Banking Frequently Asked Questions for currently supported programs and versions.
  • Send On date refers to the business day on which a bill payment is sent to the recipient. For electronic payments, the bill payment is sent and the payment is pending 2 business days prior to the Deliver By date. Pending payments are deducted from your available balance. For bill payments in the form of checks (paper drafts), a paper check is mailed 5 business days prior to the Deliver By date. Funds will be withdrawn after the recipient deposits the check.
  • Service(s) refers to collectively, any or all of online banking services, described in this agreement, which allows you to electronically access account and transaction information, transfer funds, originate transactions and pay bills on an electronic device.
  • Service charge account means the account you have designated to be charged for all applicable fees and charges associated with the services.
  • Software license agreement(s) means the software license agreements governing your use of the personal financial management software.
  • System requirements means the current hardware and software minimum requirements to access the service. See the Getting Started section in the Online Banking Frequently Asked Questions for details.
  • Withdrawal date refers to the business day on which the funds are withdrawn from your account for a scheduled bill payment.
  • We, us or our refers to BB&T and any agent, independent contractor, designee or assignee BB&T may, in its sole discretion, involve in the provision of the service.
  • You or your refers to the individuals, corporations, partnerships, limited liability companies and sole proprietorships subscribing to or using the service.

III. Security

A. User ID and password

You will be asked to choose your personal user ID consisting of 8-15 alpha-numeric characters and a password consisting of 8-28 alpha-numeric characters, which you will use to obtain access to your account(s) at BB&T. The password must contain at least three of the following: one uppercase letter, one lowercase letter, one number, or an allowed symbol. An allowed symbol can be any of the following: !#%()*,;:@_$=. The password must not have a character consecutively repeated more than twice (for example, AAA or 333 are not allowed) nor can your User ID or your 3 previous passwords be used. If you request combined services, you will use one user ID and password to access both your commercial and consumer accounts. You authorize us to follow any instructions entered through the service using your user ID and password. You agree not to give or make available your user ID and password to any person. Sharing this information constitutes a misuse and therefore, all transactions initiated by those with whom you shared information will be considered as authorized by you, regardless of whether you intended those transactions to be made. We may ask you to change your user ID and password from time to time for security reasons. You agree not to use any language that is abusive, harassing, libelous, defamatory, obscene or threatening when defining your user ID or any other personalization of your account(s).

It is possible you may access your user ID and password within U by BB&T through biometric identification settings on your device, including but not limited to, fingerprint recognition, face recognition, iris recognition, voice recognition; under various trade names, including but not limited to, Touch ID or Face ID or Fingerprint (collectively any biometric access to your user ID or password through biometric or similar access from you device are hereinafter referred to as “Biometric Access”).

BB&T does not provide any Biometric Access technology and does not save biometric information in U by BB&T or access any biometric information on the access device. Biometric Access must be enabled on the device in order to enable it for U by BB&T, and BB&T may limit use of Biometric Access to accessing your user ID and password in certain circumstances, but you are solely responsible for the access device security and use of user ID and password. BB&T does not save your online banking password on your access device.

You acknowledge and agree that anyone with Biometric Access to the access device, even if unknown to you, will have authority to access your accounts and will be authorized to initiate transactions through U by BB&T.

BB&T ADVISES YOU TO REVIEW AND CONFIRM THAT ALL REGISTERED BIOMETRIC ACCESS BELONGS TO INDIVIDUALS WITH AUTHORITY TO INITIATE TRANSACTIONS ON ACCOUNTS ACCESSED THROUGH U BY BB&T. BY AGREEING BELOW, BB&T RELIES ON YOUR REPRESENTATION THAT ANYONE WITH BIOMETRIC ACCESS IS AUTHORIZED TO VIEW INFORMATION AND TRANSACT ON THE ACCOUNTS ACCESSED THROUGH U BY BB&T.

B. Additional security measures

In addition to your user ID and password, we may ask you to create and provide responses to additional authentication questions that only you and BB&T will know to verify your identity. You will be asked to create these questions and responses annually and will be presented with a question and prompted for a response at random when you access the service and/or make certain transactions using the service. These questions and your correct responses help us to provide stronger protection of your account information and transactions. We reserve the right to prevent access to the service and/or refuse to process any payment or transfer for security reasons or if we suspect fraud. You agree to cooperate with us in the investigation and prosecution of any person who has obtained and used your user ID and password without your authorization.

IV. Bill payment service

A. General

You may make payments through the service to any business, merchant or professional with a valid address that generates a bill or invoice for services or services provided on your behalf. We reserve the right to refuse to allow you to designate any particular recipient or class of recipient. You may also make payments through the service to individuals, family or friends for non-business purposes. Payments may be made only to recipients with a 5-digit US Postal Service ZIP code address, including APO/FPO addresses. You may not make a payment of alimony, child support, taxes, other governmental fees or court-ordered payments through the service. Any user of this service shall comply with all applicable laws and regulations including the laws and regulations administered by the US Treasury Office of Foreign Assets Control (OFAC). We reserve the right to refuse to process any bill payment we reasonably believe violates applicable law or we believe is made in connection with any unlawful transaction or activity, including without limitation, gaming, gambling, lottery or similar activities. We will notify you if we do not process a bill payment.

B. Your recipients list

You must provide sufficient information about each recipient as we may request from time to time, to properly direct a payment to that recipient and permit the recipient to identify the correct recipient account to credit with your payment. This information may include, among other criteria, the name, address and phone number of the recipient and your recipient's account number. You agree we may obtain information regarding your recipient accounts to facilitate proper handling and crediting of your payments, and you authorize your recipients to release such information to us. You further authorize us to confirm and standardize a recipient's address at our discretion and without notice to you. You can enter your recipient information directly on your electronic device. Additions, deletions and modifications to recipient information are entered directly on your electronic device and are communicated to us the next time you log onto the service. For online banking, the change will be immediate upon confirmation of the change. Refer to Online Help for additional information about retrieving your account data.

C. Scheduling bill payments

To electronically schedule a payment with your electronic device, follow the simple instructions in Online Help or the personal financial management software online help file. Payments may range in amounts up to $100,000 except as limited by account type and applicable account agreements. If you would like a written confirmation or confirmation by email of the payment information for any payment you have scheduled, please call BB&T at 888-BBT-ONLINE (888-228-6654) or send us an email with your request. When you schedule a bill payment, you authorize us to withdraw the amount of your payment from your account(s).

D. How bill payments are delivered

We may remit your payments by mailing your recipient a paper check, by electronic funds transfer or by other means. Recipients who have a relationship established to receive electronic delivery of payments by us will receive your payment information by a computer link. The Deliver By date will depend on how the payment is sent. The Deliver By date for electronic payments is generally 2 business days after the Send On date. For recipients that are unable to receive electronic payments, we may send payments by a paper draft drawn on your account. You agree all paper drafts issued on your authorized instructions will be the same as if actually signed by you. We send all checks through the US mail. The Deliver By date for paper drafts is generally 5 business days after the Send On date. We are not responsible for postal delays or processing delays by the recipients. Occasionally, a recipient chooses not to participate in the service or may be unable to process payments in a timely manner. In such cases, we may decline to make future payments to these recipients.

E. Processing your bill payments

You will be asked to specify the Deliver By date. For electronic payments, we will reduce the available balance in your account by the amount of the bill payment you have scheduled 2 business days prior to the Deliver By date you specified. For bill payments in the form of checks (paper drafts), the withdrawal date will be the date on which the paper draft is presented for payment against the account. If the Deliver By date for a non-repeating payment falls on a weekend or a Federal Reserve holiday, your Deliver By date will be moved to the prior business day. Although you may schedule bill payments by using the service 24 hours a day, 7 days a week, payments will be withdrawn from your account only on business days, subject to system availability. We may refuse to process your payment if sufficient funds, including funds available under any overdraft plan, are not available in your account(s).

F. Same day bill payments

The Send On date for a bill payment can be the same day that you schedule the payment if we receive your instructions before 7 pm ET, on a business day. Payments submitted after 7 pm ET are automatically adjusted to the next available Deliver By date.

G. Future bill payments

You may schedule a payment for a future business day up to 1 year in advance.

H. Repeating bill payments

You may establish repeating bill payments for a fixed amount to be delivered based on predefined frequency options. Upon establishing your first bill payment, all future bill payments are calculated on the initial Deliver By date. Both the Send On date and Deliver By date must occur on a business day to allow for appropriate delivery time to the requested recipient.

  • If the Deliver By date falls on a holiday or a weekend, the Deliver By date will be adjusted to the preceding business day.
  • If the Deliver By date does not exist in a certain month, the Deliver By date will be adjusted to the last business day of that month.
  • Send On dates can vary depending on where the Deliver By date falls within the payment delivery cycle.
  • Changes to the payment delivery method can also affect the Send On date.

I. Guarantee for bill payments

BB&T will reimburse you for any late payment fees or penalties you are charged, up to a maximum of $50 per scheduled payment, as a result of our failure to deliver a payment made to a business by the Deliver By date if you meet each of the following conditions:

  1. You must properly schedule the Deliver By date to include adequate time for your payment to be processed and delivered on or before the date the payment is due to the recipient. This means you must schedule your payments before 7 pm ET, on a business day at least 5 business days prior to the date the payment is due to the recipient. Mortgage payments differ from other repeating payments in the following manner: If your mortgage payment is due on the first of each month with a 15-day grace period, then you must schedule your mortgage payment on or before the third calendar day of each month, or the payment guarantee will not apply.
  2. You must provide us with the correct recipient name, address, due date, account information and the correct payment amount.
  3. Your account(s), including any overdraft plan, must contain sufficient funds to complete the payment or transfer on the withdrawal date.
  4. The payment must be made to a business.
  5. The late payment fee or penalty, or the method of calculation, must be published by the recipient prior to the date the payment is due to the recipient.
  6. Your electronic device, hardware, software, telephone line and Internet service provider, if applicable, must be functioning properly.
  7. You must provide us with a copy of the statement identifying the late fee.
  8. We are not responsible for failure to deliver any payment that we have reserved the right to refuse to process as provided in this agreement.
  9. If you schedule a future-dated or repeating transfer to occur on a day of the month that does not exist (e.g., the 31st of the month), the transfer request will be submitted on the last business day of the month and will be credited to your account on the third business day after the transfer request is submitted.

J. Stopping or modifying bill payments

You may use your electronic device to electronically change both the payment amount and the Deliver By date of any scheduled payment at any time prior to 7 pm ET, on the Send On date. You may also delete any payment at any time prior to 7 pm ET, on the Send On date. You may also stop any payment by calling 888-BBT-ONLINE (888-228-6654), or by writing to BB&T Bill Payment Research, 127 W Webster St, 4th floor, Whiteville, NC 28472, in time for us to receive your request 3 or more business days before the Send On date. If you call, we may also require you to put your request in writing and send it to us within 14 days after you call. Stop payment fees may apply.

K. Liability for failure to stop payment (applicable for consumers only)

If you order us to stop one of your repeating payments 3 business days or more before the Send On date, and we do not do so, we will be liable for your losses or damages.

L. Reviewing payments and payment information

For customers using the personal financial management software, payment information and records of past and future scheduled payments are stored on your electronic device. The number of records that can be stored depends on the amount of your electronic device's memory. For online banking users, payment information and records of past and future scheduled payments are stored within online banking. Refer to Online Help for additional information about retrieving your payment history.

M. Incomplete payments

If we remit your payment to a recipient by mailing your recipient a check, and the check has not been presented for payment, you may contact BB&T if you require assistance in researching your payment by calling 888-BBT-ONLINE (888-228-6654), or by writing to BB&T Bill Payment Research, 127 W Webster St, 4th floor, Whiteville, NC 28472.

V. Transfers among your BB&T accounts

A. General

You may use the service to transfer funds between any of your eligible accounts held by us or one of our affiliates, subject to any limits or restrictions we may impose from time to time.

B. Cut-off times for transfers

Transfers between account(s) initiated through the service and received by BB&T by 9 pm ET Monday through Friday will be effective on the current business day. Transfers between account(s) initiated through the service and received after 9 pm ET Monday through Friday, or all day Saturday, Sunday and Federal Reserve holidays will be effective the following business day.

Transfers between account(s) initiated through the service to a business loan account and received by BB&T by 7 pm ET Monday through Friday will be effective on the current business day. Transfers to business loan accounts initiated through the service and received after 7 pm ET Monday through Friday or all day Saturday, Sunday and Federal Reserve holidays will be effective the following business day.

Availability of funds is dependent upon the receiving account type, refer to the applicable account agreement.

C. Limitations on frequency of transfers

The number of transfers between your eligible accounts may be subject to the limitations that apply to the maximum number of automatic or repeating withdrawals from certain types of accounts. Refer to your account agreement for details.

D. Limitations on dollar amount of transfers/bill payments

Except as limited by account type and applicable account agreements:

Each transfer between eligible accounts may range in amounts up to $1,000,000. The maximum aggregate amount that can be transferred between eligible accounts per day is unlimited. Each bill payment from an account may range in amounts up to $100,000. The maximum aggregate bill payment amount that can be paid per day is unlimited.

E. Future transfers

Transfers scheduled for a future date will be effective at midnight ET on the requested date of transfer. For example, a transfer scheduled to occur on Sept. 3, will be effective at midnight ET on Sept. 3. The transfer will be viewable through the service in the available balance on the date of the scheduled transfer. The transfer will be viewable through the service in the transaction history the day following the transfer.

F. Stopping or modifying a scheduled transfer

A scheduled transfer may be stopped or modified at any point prior to the scheduled transfer date. For example, a transfer scheduled for Sept. 3 may be modified or stopped at any time up to 11:59 pm ET on the previous business day.

VI. Outside transfer service (applicable to consumer accounts only)

A. General

Within the service, you may separately enroll to transfer funds between your BB&T personal checking and savings accounts and your non-BB&T accounts. Business accounts are not eligible for the Outside Transfer Service. Enrollment of non-BB&T accounts is subject to our approval, which may be withheld in our sole discretion. Once a non-BB&T account is enrolled, you may request us to transfer funds between that non-BB&T account and your BB&T accounts (non-BB&T account transfers).

You must be the sole owner, or a joint owner, of the BB&T account and the non-BB&T account. You will be notified if we are unable to verify your ownership of an account. We may require additional verification of your ownership of any non-BB&T account at any time before or after enrollment and before or after allowing any transfer activity with respect to that account (additional verification). By enrolling a non-BB&T account, you authorize the account-holding institution to disclose to us any information we request about you or the non-BB&T account and agree to cooperate in additional verification, including promptly providing any identification and/or other account documentation we may request.

B. Types of transfers

An inbound transfer moves funds into a BB&T account from a non-BB&T account. An outbound transfer moves funds from a BB&T account to a non-BB&T account. For each inbound and outbound transfer, you may elect one of the following options:

  1. 3-Business-Day Transfers: If your transfer request is submitted prior to the cut-off time, funds will be debited the business day after you submit the transfer request and will be credited on the third business day after you submit the transfer request. 3-business-day transfers are available to all users of the Outside Transfer Service.
  2. Next-Day Transfers: Subject to our approval and provided your transfer request is submitted prior to the cut-off time, funds will be debited and credited on the business day after you submit the transfer. Next-day transfers are permitted only at our discretion. Once approved, you will remain eligible for next-day transfers, unless we provide you with notice otherwise. Next-day transfers are not available for future-dated or repeating transfers.

C. Cut-off time

The cut-off time for next-day and 3-business-day transfers is 7 pm ET. Any transfer made after the cut-off time will be submitted the next business day.

D. Future-dated and repeating transfers

  1. You may schedule both inbound and outbound transfers to occur on a future business day or on a repeating basis, up to one year in advance. The repeating transfer feature may be used when the same amount is transferred at regular intervals. For example, a $100 transfer from your BB&T account to a non-BB&T account may be set up to occur every 2 weeks.
  2. Your future-dated or repeating transfer requests are submitted on the day in which they are scheduled or the first business day after they are scheduled if that day is not a business day. Funds will then be debited on the first business day after the transfer request is submitted, and will be credited on the third business day after the transfer request is submitted. For example, if a repeating transfer request is scheduled to occur on the first day of each month, and the first of the month falls on a Saturday, the transfer request will be submitted on the first business day in the month, or Monday the third. Funds will then be debited on the fourth and credited on the sixth.
  3. If you schedule a future-dated or repeating transfer to occur on a day of the month that does not exist (e.g., the thirty-first of the month), the transfer request will be submitted on the last business day of the month and will be credited to your account on the third business day after the transfer request is submitted.

E. Transfer status

You may check the status of any transfer by going to Payments & Transfers in the service. Transfers are pending from the time you request the funds transfer until the transfer is released for processing. A transfer remains in process until the funds have been transferred, at which time the status will change to complete. 3-business-day transfers typically remain in process until the close of the third business day after the transfer is submitted. Next-day transfers may remain in process until the close of the next business day after the transfer is submitted.

F. Cancelling a transfer

Transfers that are in pending status can be canceled within the service. However, if the transfer status is in process or completed, you can no longer cancel it. If you need assistance with canceling a transfer, call us at 888-BBT-ONLINE (888-228-6654). If you attempt to cancel a pending transfer in accordance with these instructions and we do not do so, we will be liable for your losses or damages.

G. Transfer limits

For non-BB&T account transfer limits, please refer to our Outside Transfer Service: Fees, Limits, and Cut-off Times schedule as amended from time to time, which is available in Customer Service within the service and is incorporated herein by reference. Transfer limits apply to all non-BB&T account transfers. Any transfer submitted on a day that is not a business day counts toward the applicable limit for the next business day. We may change the non-BB&T account transfer limits at any time. We will provide notice to you of any decrease in the transfer limits; but you agree that we may reduce your limits to the amounts stated in the Outside Transfer Service: Fees, Limits and Cut-off Times without prior notice. In addition, there may be limits on the number of transfers per month from certain types of accounts, such as saving accounts. Refer to your BB&T Bank Services Agreement or your deposit agreement with the account-holding institution.

H. Cancellation and suspension

We may cancel or suspend your use of the Outside Transfer Service or disqualify any BB&T account or non-BB&T account from eligibility to conduct non-BB&T account transfers without prior notice.

VII. Additional services

A. Online statements

You may elect to stop or resume the mailing of paper statements for eligible accounts by changing your statement delivery preferences on the Statements page within online banking. Only accounts accessible through online banking may be enrolled for online statement delivery. Eligible accounts are displayed on the Statements page in online banking. If you currently receive a consolidated periodic statement that includes multiple accounts and you select online statement delivery, all accounts shown on the consolidated statement will be automatically enrolled for online statement delivery. For joint accounts, only one account owner need enroll for online statement delivery.

If you receive canceled checks with your periodic statement and choose to receive your periodic statement through online statement delivery, you will no longer receive canceled checks in the mail.

Your statement will be available within 24 hours after the statement cut-off date. The statement cut-off date for your online statement is the same as your paper statement. You may view, print and download your current statement and up to 24 months of statement history.

We may deliver information to you about your eligible accounts through the online banking Secure Message Center, email, US Postal Service or within the online statement. It is your responsibility to notify us if your contact information changes. To notify us of a change in your contact information, log on to online banking and select Manage Account Profile from Customer Service.

We may continue to mail information to you, including any information you have authorized us to provide to you electronically. We may discontinue the online statement service at any time at our discretion and resume mailing paper statements to you. We may also add, modify or delete any feature of the online statements service at our discretion. We will provide you with notice of any change or termination in the online statement service.

All of your payments and transfers made through the service will appear on your periodic account statement. The recipient name, payment amount and withdrawal date will be reflected for each payment made through the service.

B. Check and deposit images

You may view digital images of recent canceled (paid) checks and deposit slips. Online images may be viewed only for such periods of time as we may establish, after which copies are normally available from our archives upon request (we may charge a fee for such copies).

As is common industry practice with various check truncation or safekeeping services, we destroy the original items but retain the images for at least the number of years required by law. If an image of a check is missing or is illegible, we will attempt to provide you with a legible copy upon your request, if you give us adequate information to identify the specific check. However, we will have no liability to you if we are unable to provide a copy within your requested timeframe, or at all, due to any reason other than our gross negligence, willful misconduct or criminal conduct. We reserve the right to charge a fee for such requests in some circumstances, such as when the image is missing or illegible due to circumstances beyond our control.

C. Balance inquiries

You may use the service to check the balance of your accounts. The balances shown may differ from your records because they may not include deposits not available for withdrawal, outstanding checks or other withdrawals, payments or charges.

D. Mobile banking service

  1. General. The mobile banking service allows you to perform various functions, including viewing account balances and transaction information, bill payments and transferring funds.
  2. Equipment Requirements. You must have email access and/or mobile text messaging capability. Expanded functionalities are available to users with web-enabled wireless devices or through third-party software, which may be downloaded to compatible wireless devices or which is pre-loaded on certain devices available through select wireless providers. You are solely responsible for your choice of equipment, wireless carriers, Internet or email service providers, web browsers, voice/data plans, etc., and for resolving any issues concerning operation, performance, availability, costs, etc., relating to any of the foregoing with the appropriate provider. Your wireless or Internet service provider may charge additional fees.
  3. Security. We do not store confidential or sensitive information such as passwords or account numbers on your wireless device in connection with the services; however, user IDs may be stored on your wireless device based on the personal setting you establish on your device. You should safeguard your wireless device, user ID and password against loss or theft. If your device is lost or stolen, report it immediately to your wireless provider. Except as provided in this agreement, we have no responsibility or liability if someone else learns your user ID and password and uses it to access the services.
  4. Licensing Terms for Users of Third-Party Software. If you access the mobile banking service through software downloaded to or pre-loaded on your wireless device (software), you agree to the following licensing terms (terms):

    BB&T and the third-party software providers reserve all rights to the copyrighted software not expressly granted herein. You may use the software solely for accessing the service subject to the terms. You may not do any of the following to the software: (i) modify, revise or create any derivative works; (ii) decompile, reverse engineer or otherwise attempt to derive the source code; (iii) redistribute, sell, rent, lease, sublicense or otherwise transfer rights; or (iv) remove or alter any proprietary notices, legends, symbols or labels, including, but not limited to, any trademark, logo or copyright. Neither the software licensor nor the wireless network provider is responsible for any of the materials, information and financial products or services made available to you through the software.

For more information about mobile security, please visit our mobile security page.

E. Alerts service

  1. General. The alerts service allows you to receive various types of alerts concerning the accounts you select through email and/or text message to your wireless device and where applicable, notification methods available with the BB&T Mobile App for your smartphone. You are responsible for providing accurate contact information to receive alerts. Some types of alerts are optional, and some are mandatory. To cancel optional alerts, you may text stop to 69228 (MYBBT) at any time or visit the BB&T website. For support information, text help to 69228 (MYBBT) or visit the BB&T website.
  2. Equipment Requirements. You must have email access and/or mobile text messaging capability. You are solely responsible for your choice of equipment, wireless carriers, Internet or email service providers, web browsers, voice/data plans, etc. and for resolving any issues concerning operation, performance, availability, costs, etc., relating to any of the foregoing with the appropriate provider.
  3. Security. We do not store confidential or sensitive information such as user IDs, passwords or account numbers on your wireless device in connection with the services. You should safeguard your wireless device, user ID and password against loss or theft. You should delete any alerts or other text messages sent or received in connection with any service. We have no responsibility or liability to you or any other person in connection with any such messages you choose to save on your wireless device. If your device is lost or stolen, report it immediately to your wireless provider.
  4. Disclaimer. The information in any alert may be subject to certain lag times or delays in transmission and we make no representation concerning either the currency or accuracy of any alert. Frequency of alerts is based on your account settings. Alerts are provided as a convenience only and should never be considered as an official bank record or as a substitute for the information contained in your periodic statements. We may provide important information to you through other methods, including electronic messaging within the service.
  5. BB&T Fraud Alerts. BB&T Fraud Alerts is a free service that automatically notifies you of suspicious activity on your debit and/or credit card accounts via text, email and/or automated phone call. Message frequency varies and is dependent upon card use. You may opt out of receiving texts at any time by sending STOP to 22848. For help send HELP to 22848. Mobile carriers are not liable for delayed or undelivered messages.

F. Electronic messaging

The service provides you with the ability to send and receive electronic messages to and from us. Please remember we will not immediately receive an electronic message sent by you. No action will be made on any electronic message you send to us until we actually receive your message and have a reasonable opportunity to act on it.

Electronic messaging CANNOT be used to notify us of forgotten or stolen user IDs or passwords; nor can electronic messaging be used to notify us of unauthorized transactions. Notification of these occurrences must be done as specified in the Contact in Event of Unauthorized Transfer section in this agreement. From time to time, we may send important notices to you concerning your use of the service by electronic messaging. The electronic messaging service may not be used to send or receive email messages to or from the general public.

G. Mobile Check Deposit

Using Mobile Check Deposit through U by BB&T, the following terms apply in addition to the applicable Bank Services Agreement, that is incorporated by reference.

The mobile remote deposit capture services ("Services") are designed to allow you to make deposits to your eligible BB&T accounts from remote locations by scanning checks and delivering the images and associated deposit information to BB&T or BB&T's designated processor.

Further, BB&T reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services and terms.

When using the Services, you may experience technical or other difficulties. We will attempt to post alerts on our website or send you a text message to notify you of these interruptions in Service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.

BB&T is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.

A fee may be charged for the Services. You are responsible for paying the fees for the use of the Services. Any fee that is charged will be disclosed prior to your deposit. BB&T may change the fees for use of the Services. You authorize BB&T to deduct any such fees from any BB&T account in your name.

You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to BB&T is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:

  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Reg. CC.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks not payable in United States currency.
  • Checks dated more than 6 months prior to the date of deposit.
  • Checks or items prohibited by BB&T's current procedures relating to the Services or which are otherwise not acceptable under the terms of your BB&T account.
  • Checks payable on sight or payable through Drafts, as defined in Reg. CC.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
  • Checks or items that are drawn or otherwise issued by the US Treasury Department

You agree to write an endorsement on any and all items transmitted through the Services as "For deposit only, account #______" or as otherwise instructed by BB&T. You agree to follow any and all other procedures and instructions for use of the Services as BB&T may establish from time to time.

We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from BB&T that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

You agree that items transmitted using the Services are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you transmit through the Service is received and accepted before 8 pm ET on a business day that we are open, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using the Services will generally be made available no later than seven business days from the day of deposit. BB&T, in its sole discretion, may make such funds available sooner or may extend the hold period beyond seven business days based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as BB&T, in its sole discretion, deems relevant.

Upon your receipt of a confirmation from BB&T that we have received an image that you have transmitted, You agree to retain the check for at least 7 calendar days from the date of the image transmission. After 7 days, You agree to destroy the check that you transmitted as an image, mark it "VOID", or otherwise render it incapable of further transmission, deposit, or presentment. During the time the retained check is available, you agree to promptly provide it to BB&T upon request.

We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. Our current limits are as follows:

  1. For a client with any account that has been open less than 90 days, the daily dollar limit for deposits is $500 per business day for retail clients and $1,000 per business day for business/commercial clients. The monthly dollar limit for deposits is $1,000 per 30 calendar day period for retail clients and $3,000 per 30 calendar day period for business/commercial clients.
  2. For a client with any account that has been open for greater than or equal to 90 days, with good account behavior as determined in our sole discretion; the daily dollar limit for deposits is $2,500 per business day for retail clients and $5,000 per business day for business/commercial clients. The monthly dollar limit for deposits is $5,000 per 30 calendar day period for retail clients and $10,000 per 30 calendar day period for business/commercial clients.
  3. For a client with any account that has been open for greater than or equal to 6 months and a deposit account opened for greater than or equal to 90 days, with good account behavior as determined in our sole discretion; the daily dollar limit for deposits is $5,000 per business day for retail clients and $10,000 per business day for business/commercial clients. The monthly dollar limit for deposits is $10,000 per 30 calendar day period for retail clients and $30,000 per 30 calendar day period for business/commercial clients.
  4. For BB&T Wealth or other select client categories, the daily dollar limit for deposits is $10,000 per business day and $30,000 per 30 calendar day period. There is no daily or monthly statement cycle limit on the number of items, as long as the respective dollar limits are not exceeded. BB&T may change these limits at any time, in its sole discretion.

The manner in which the items are cleared, presented for payment, and collected shall be in BB&T's sole discretion subject to the Bank Services Agreement or Commercial Bank Services Agreement governing your account.

You agree to notify BB&T of any suspected errors regarding items deposited through the Services right away, and in no event later than 30 days after the applicable BB&T account statement is sent. Unless you notify BB&T within 30 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against BB&T for such alleged error.

By using the Services you accept the risk that an item may be intercepted or misdirected during transmission. BB&T bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.

The image of an item transmitted to BB&T using the Services must be legible, as determined in the sole discretion of BB&T. Without limiting the foregoing, the image quality of the items must comply with the requirements established from time to time by BB&T, ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.

You warrant to BB&T that:

a. You will only transmit eligible items.

b. You will not transmit duplicate items.

c. You will not re-deposit or re-present the original item.

d. All information you provide to BB&T is accurate and true.

e. You will comply with this Agreement and all applicable rules, laws and regulations.

f. You are not aware of any factor which may impair the collectability of the item.

g. You agree to indemnify and hold harmless BB&T from any loss for breach of this warranty provision.

Any breach of the above warranties may result in cancellation of the Service for your specific profile in the BB&T mobile application, closure of your accounts, or termination of the client relationship.

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.

Use of the Mitek Functionalities is limited solely to individuals and firms that are properly authorized end-user customer of Company ("Company Users"). With regard to any portion of the Mitek Functionalities or the Mobile Source Capture Product related thereto that is intended to be downloaded to and/or installed on a Company User's computing device or phone ("End User Software"), Supplier hereby grants Company a limited, non-exclusive, non-transferable right during the term of Company's license to distribute the Mitek Functionalities to make and distribute copies of such End User Software to Company Users and for Company Users to install and use such End User Software on their own computing devices or phones solely in connection with the authorized use of the applicable Mitek Functionalities, provided Company is responsible for ensuring that such Company User agrees to be bound by a separate agreement between Company and the Company User sufficient to enable Company to comply with its obligations in this paragraph as well as all other applicable obligations under this Schedule and the Agreement ("End User Agreements").

At a minimum, the End User Agreements shall require Company and each Company User to agree to the following:

(i) Company User shall use the End User Software only for Company User's own use, for lawful purposes, and in accordance with the terms of this Schedule and the Agreement;

(ii) Company and Company User understand neither Mitek nor Supplier guarantee that Company User's hardware and software will be compatible with the End User Software,

(iii) Company and Company User bear responsibility for any risk associated with deposits which are fraudulent, of unreadable image quality, or which have an incorrect declared amount;

(iv) Company and Company User are responsible for retaining and disposing of paper deposits in a manner consistent with protection against fraud;

(v) Company and Company User shall agree not to make the End User Software or any related Mobile Source Capture Product available or allow use of it in a computer service bureau business, timesharing, or otherwise disclose or allow use of the End User Software or any related Mobile Source Capture Product by or for the benefit of any third party;

(vi) neither Company nor Company User shall not copy, disassemble, decompile, or otherwise reverse engineer the End User Software;

(vii) if Company or Company User attempts to use, copy, license, sublicense, sell or otherwise convey or to disclose the End User Software, in any manner contrary to the terms of the End User Agreement, Company shall have, in addition to any other remedies available to it, the right to injunctive relief enjoining such actions; (viii) Company's third party suppliers (including without limitation Supplier and Mitek) are entitled to exercise any defenses to which Company would be entitled under the End User Agreement; and

(ix) in no event shall Company's suppliers (including without limitation Supplier and Mitek) be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill or other losses resulting from use of the End User Software or any other Mobile Source Capture Product related thereto incurred by Company or Company User or any third party, regardless of the form of action or claim (whether contract, tort, strict liability or otherwise), even if Company, Supplier, Mitek or their respective third party suppliers have been informed of the possibility thereof.

Supplier and Mitek shall have the same limitation of liability protections as Company in the End User Agreement and shall be included, as a supplier of the End User Software and all other Software licensed hereunder, as applicable, in any liability limitations and restrictions, and disclaimer of warranties that Company obtains from Company and/or Company User.

H. Credit Score

You understand and agree that by enrolling in the Credit Score Program, you are providing "written instructions" in accordance with the Fair Credit Reporting Act ("FCRA") for us to obtain credit information from the personal credit report maintained by Equifax Information Services LLC ("Equifax") and you hereby authorize us to access your personal credit information in order to provide your credit score and related information. You may withdraw your "written instructions" related to the Credit Score Program at any time by unenrolling.

Once we obtain your credit score, it will be available to you in U by BB&T ("U") for your educational and non-commercial use. You will be able to view a rolling window of your credit score history in U, starting when you enroll and for each quarter thereafter up to 24 months. Additionally, you will see up to nine key factors affecting your most recent credit score.

Viewing your credit score as a part of the Credit Score Program will not negatively impact your score. (Note that if you choose to enroll in the Credit Score Program, individuals who have access to your online banking profile via any of your online IDs will be able to view your credit score.)

Credit scores from Equifax are useful in helping you understand your credit profile. Your credit score is calculated using the VantageScore 3.0 model based on Equifax data, and is provided as a part of a BB&T educational program to help you understand your creditworthiness. You may receive scores elsewhere and these scores might differ, but in general your credit scores should be similar enough to help you understand your overall creditworthiness. BB&T and others may also consider other information when making credit decisions. Accounts not reported to or subsequently deleted from your file at Equifax may not be reflected in your credit score.

Your credit score may vary from one consumer reporting agency to another, and other lenders may use scores from one or more of the other two major consumer reporting agencies. In certain circumstances, a credit score may not be available from Equifax for various reasons (e.g., insufficient length of credit history).

Only BB&T clients with an online banking account and who use U by BB&T may enroll in the Credit Score Program. Clients with jointly owned accounts who have their own user ID will be able to view their own individual credit score by logging onto U with their respective user ID.

You may unenroll at any time in U. If you opt out of the Credit Score Program, your credit score and its history will no longer be available for viewing in U and you will not receive quarterly updates. If you decide to re-enroll, your credit score history display in U will resume and you will once again receive quarterly updates. Additionally, if BB&T cancels the Credit Score Program, or you decide to unenroll, or you become ineligible (e.g., due to a change in account status), your credit score and past credit scores will not be viewable in U as part of the Credit Score Program.

If your BB&T account(s) are closed by you or us, we reserve the right to end your participation in the Credit Score Program. You can unenroll at any time in U.

Equifax is one of three major consumer reporting agencies that provides consumer credit reports and credit scores to businesses and consumers. Equifax and VantageScore Solutions, LLC ("VantageScore") are not affiliated with BB&T and BB&T makes no representation or warranty related to the credit scores provided. BB&T, Equifax and VantageScore are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. BB&T, Equifax and VantageScore do not provide "credit repair" services, advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. BB&T provides your credit score and content related to the Credit Score Program in U only for educational purposes and your non-commercial, personal use.

If you have questions about your Vantage Credit Score or credit scores in general, please review the education materials available at your.vantagescore.com. Your Vantage Credit Score is calculated from the information contained in Equifax Credit Report maintained by Equifax. The Credit Score Program does not provide you with a copy of your Equifax Credit Report. If, based on your Vantage Credit Score provided as part of the Credit Score Program, you believe there may be inaccurate information in your Equifax Credit Report, there are a number of ways you can obtain a copy of your Equifax Credit Report, including obtaining your Equifax Credit Report once annually free of charge from annualcreditreport.com. If after obtaining your Equifax Credit Report you believe that the report contains inaccurate information, any questions or disputes regarding the accuracy of any information in your Equifax Credit Report must be directed to, and will be handled by Equifax. IF YOU BELIEVE YOUR EQUIFAX CREDIT REPORT CONTAINS INACCURATE OR INCOMPLETE INFORMATION, YOU MAY REQUEST, AT NO CHARGE TO YOU, THAT EQUIFAX RESEARCH THE INFORMATION CONTAINED IN YOUR EQUIFAX CREDIT REPORT. Further, if you believe or suspect that you have been the victim of identity theft, you may request, at no charge to you, that Equifax place an alert on your Equifax credit report. To dispute information or place an alert in your credit file, you may contact Equifax at the number on your Equifax Credit Report.

BB&T can provide no further assistance regarding improving your credit score except for addressing any disputes you may have regarding accounts you have with BB&T.

VantageScore is a registered trademark of VantageScore Solutions, LLC in the United States and other countries. Other marks are the property of their respective owners.

I. BB&T Deals

The BB&T Deals Program (the "Program") allows certain Branch Banking and Trust Company ("BB&T") customers with eligible BB&T Personal Credit Cards, Retail and Business Debit Cards and MoneyAccount Cards ("Card" or "Cards") to earn a statement credit or cash back when they use their Cards at retailers participating in the Program ("Participating Merchants"). The Program is a Service subject to the terms herein. Only BB&T customers who have enrolled in U by BB&T are eligible to participate.

Participating Merchants will offer a statement credit or cash back when customers use a Card to purchase certain items offered by the Participating Merchant ("Offer" or "Offers").

All customers who participate in the Program are subject to the Program’s terms and conditions (the "Rules") and any terms and conditions of an Offer established by Participating Merchants. These Rules supplement your BB&T Bank Services Agreement, MoneyAccount Cardholder Terms and Conditions, Cardholder Agreement and Truth and Lending Disclosures, and any other applicable agreement governing your Card account and associated services ("Account Agreements"). You agree to notify all other customers, who have a card linked to your Card, of these Rules. Any customer who has a card linked to your Card may be eligible to select and redeem Offers. In the event of a conflict between your Account Agreements and these Rules, the Rules will govern any matter relating to the Program while your Account Agreements will govern all other matters.

By participating in the Program, you agree to these Rules and agree that the Rules may be modified at our sole discretion, from time to time, with or without prior written notice. We reserve the right to terminate, modify, amend or suspend this Program in whole or in part at any time without notice to you. Your continued use of your Card constitutes your consent to these Rules.

1. Eligibility for the Program. Cards are automatically eligible for the Program. There is no enrollment required. However, you must meet the Program requirements to participate and earn a statement credit or cash back, including: (a) your Card must be active and in good standing at the time any statement credit or cash back is applied to your Card account; (b) you have enrolled in U by BB&T online or mobile service; (c) you meet the terms and conditions established by a Participating Merchant on an Offer; and (d) you continue to satisfy all eligibility criteria that we establish for the Program.

2. Earning A Statement Credit or Cash Back from the Program. The Program is only available to customers who have access to the online services: U by BB&T. You must log on to www.BBT.com/U (the "Program Website") in order to see the list of Participating Merchants and the Offers. To be eligible for a statement credit or cash back in connection with an Offer, select the Offer by clicking on it and the Offer will load to your Cards. You cannot redeem Offers and earn a statement credit or cash back unless you first select them at the Program Website.

Participating Merchants set the terms and conditions for each Offer. You should review the details of the Offer, including any expiration date, before you select it and load it to your Card. Once you have loaded it, you must complete the specified purchase, and meet any other terms of the Offer, to earn a statement credit or cash back. In general, a statement credit or cash back will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types, nor for the amount of tax or shipping and handling paid on a purchase; ATM transactions; or any transaction violating any federal, state or local law. 

We try to provide Offers to places you've shopped or to similar merchants where you may like to shop. Please note that we do not share any of your personal information with the Participating Merchants. We always protect your information in accordance with BB&T's Privacy Policy.

3. Statement Credits and Cash Back. You will usually receive a statement credit or cash back earned on an Offer in the month following your purchase. If you have more than one BB&T account, BB&T initially sets a default account to receive the statement credit or cash back; however, you may change the default account to another account ("Designated Account") in "Settings" on the Program Website. If another consumer has a Card linked to your Card, he or she may also change the Designated Account to any account in which they are a joint or individual owner. Only one Designated Account may be selected at any time.

Your Designated Account must be open and in good standing in order to receive statement credits or cash back. If your Designated Account is closed by you or by us, but you have other open accounts, we may select, at our discretion, an alternative account of the same product type to apply a statement credit or cash back if an alternative account of the same product type is available. If you have no open BB&T accounts, because you or we have closed them, you will forfeit any cash back that has not yet applied to an account.

The amount of the statement credit or cash back for Offers, applied to your Designated Account, will be shown on the Designated Account statement and may be viewed on the Program Website.

Participating Merchants establish the terms of an Offer and fund the corresponding statement credit or cash back. Cardlytics administers the Program including collection of funds due from the Participating Merchants and remittance of these funds to BB&T for applying to your Designated Account. You are not entitled to compensation from us or Cardlytics for the expiration or forfeiture of your Offers for any reason.

4. Errors in Redemption, Statement Credit or Cash Back. In the event you have questions or believe an error has occurred relating to your redemption of any Offers, please call BB&T at 800-226-5228 between 6 am and midnight ET. You may also review the status of Offers on the Program Website.

If you believe that you have made purchases that should have earned a statement credit or cash back, but a statement credit or cash back has not been applied to a Designated Account or alternate account of the same product type within fifty (50) days of your purchase (date the charge appears on your Card account statement), you may contact us to investigate. You MUST contact us within ninety (90) days of the date of such purchase. If you do not contact us within ninety (90) days, we will not be obligated to investigate your request and your ability to claim a statement credit or cash back will be deemed waived.

5. Limited Liability. Unless otherwise required by law or as expressly stated in writing in an agreement between BB&T and you, BB&T and its affiliates, officers, directors, employees, or agents will not be liable to you, or anyone making a claim on your behalf, in connection with (i) any change in the Program; (ii) any claim relating to products or services of any Participating Merchant, whether or not arising out of the Program; (iii) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; (iv) any content, products or service appearing on a website to which we provide a link from the Program Website; (v) any claim relating to the terms and conditions of any Offers; or (vi) any taxes that you incur as a result of receiving a statement credit or cash back. Participating Merchants are solely responsible for the Offers and funding of a statement credit or cash back to you. In any event, any liability that BB&T may have to you in connection with the Program shall be limited to the amount of any statement credit or cash back from Offers which have earned in accordance with the Rules of the Program and that BB&T has received from Cardlytics and the Participating Retailers.

6. No Warranties. BB&T and Cardlytics do not: (i) endorse any Participating Merchants; (ii) make any express or implied warranty regarding any Participating Merchant's goods or services; (iii) assume responsibility for any Participating Merchant's obligation to you, including the payment of any statement credit or cash back offered by the Participating Retailer ; or (iv) guarantee the performance of any Participating Retailer under the Program. BB&T does not operate or control the products, services, or initial payment of Offers made by Participating Merchants. Participating Retailers are solely responsible for the funding of Offers through Cardlytics to BB&T.

7. Your Information. We do not share your personal information with Participating Merchants. Please refer to the BB&T Privacy Policy for more information about BB&T's privacy practices.

Offer alerts will be sent to you as reminders of new Offers, expiring Offers and other Offers program information. You may opt out of receiving these Offer alerts by changing your alert settings at BBT.com/U. Cardlytics will not send you any Offer alerts. All Offer alerts will come directly from BB&T.

8. Opting Out. You may opt out of receiving Offers on the Program Website. If you opt out you will not receive any further Offers. Purchases made after the opt-out date will not earn any statement credit or cash back even if you loaded an Offer to your Card before you opted-out.

You may continue to see Offers information and alerts until the change becomes effective. You will forfeit any statement credit or cash back that has not yet posted to a Designated Account upon cancellation of your participation.

9. General. The Program is void where prohibited by law and subject to the Program Rules and the terms in your Account Agreement, including, but not limited to, the arbitration of disputes provisions contained in your Account Agreement.

J. Plan & Analyze

By opting into to our Plan & Analyze Service, you will have the ability to manage all of your personal financial information in one place (including accounts from other businesses and financial institutions). This service uses proprietary technology that allows you to link and view account information from websites designated by you. By using this service to access a third party website you designate, you agree to the following:

Provide Accurate Information. You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.

Proprietary Rights. You are permitted to use content delivered to you through the service only on the service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the service.

Content You Provide. You are licensing to BB&T and its service providers ("Service Provider") any information, data, passwords, materials or other content (collectively, "Content") you provide through or to the service. BB&T and Service Provider may use, modify, display, distribute and create new material using such Content to provide the service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, BB&T and Service Provider may use the Content for the purposes set out above. As between BB&T and Service Provider, BB&T owns your confidential account information.

Third Party Accounts. By using the service, you authorize BB&T and Service Provider to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant BB&T and Service Provider a limited power of attorney, and you hereby appoint BB&T and Service Provider as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN BB&T OR SERVICE PROVIDER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, BB&T AND SERVICE PROVIDER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the service is not endorsed or sponsored by any third party account providers accessible through the service.

Balances and transactions provided by this service are only intended to reflect the most recent refresh and may not be accurate if a refresh was not successfully completed or the information obtained during the refresh from the third party is otherwise not accurate or current. This service is provided for informational purposes only and is not intended for executing trades or for other transactional purposes. As between you and BB&T, you are solely responsible for your financial decisions, and you should not view the service as a replacement for advice from a competent financial professional.

DISCLAIMER OF WARRANTIES. YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. BB&T AND SERVICE PROVIDER EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. BB&T AND SERVICE PROVIDER MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM BB&T OR SERVICE PROVIDER THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER BB&T OR SERVICE PROVIDER NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF BB&T OR SERVICE PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY OTHER MATTER RELATING TO THE SERVICE.

Indemnification. You agree to protect and fully compensate BB&T and Service Provider and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. You agree that Service Provider is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Service Provider were a party to this Agreement.

K. Zelle

1. Description of Services

a. BB&T has partnered with the Zelle® Network (“Zelle”) to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle or enrolled with another financial institution that partners with Zelle (each, a “User”) using aliases, such as email addresses or mobile phone numbers (the “Service”). We will refer to financial institutions that have partnered with Zelle as “Network Banks.”

b. Zelle provides no deposit account or other financial services. Zelle neither transfers nor moves money. You may not establish a financial account with Zelle of any kind. All money will be transmitted by a Network Bank.

c. THIS SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.

2. Eligibility and User Profile

When you enroll in the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that you are at least 18 years of age and you have the authority to authorize debits and credits to the registered bank account. You agree that you will not use the Service to request, send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law.

The Service is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration if we believe that you are registering to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose.

3. Consent to Share Personal Information (Including Account Information)

We may disclose information to third parties about your account or the funds you send or receive:

a. as necessary to complete transactions;

b. as necessary in connection with offering the Zelle Service;

c. in connection with the investigation of any claim related to your account or the funds you send or receive;

d. to comply with government agency or court orders;

e. in accordance with your written permission; and

f. as otherwise permitted by the terms of our privacy notice.

4. Privacy and Information Security

We make security and the protection of your information a top priority. You can access our Privacy Information at https://www.bbt.com/privacy-and-security.html, which Privacy is incorporated into and made a part of this Agreement by this reference.

5. Wireless Operator Data

Zelle may use information on file with your wireless provider to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to BB&T or to Zelle with your wireless operator account profile information for the duration of our business relationship. See Zelle's Privacy Policy (https://www.zellepay.com/privacy-policy(opens in a new tab)) for how it treats your data.

6. Enrolling in the Service

a. You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses) and a permanent mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers).

b. Once enrolled, you may:

i. authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and

ii. receive money from another User either at that User's initiation or at your request, subject to the conditions of the Section below titled “Requesting Money.”

7. Consent to Emails and Automated Text Messages

By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you registered, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Services or related transfers between Network Banks and you. You agree that we may, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you register. You further acknowledge and agree:

a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees.

b. You will immediately notify us if any email address or mobile phone number you have registered is (i) surrendered by you, or (ii) changed by you.

c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that Zelle sends on your behalf may include your name.

d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf.

e. To cancel text messaging from us, send STOP to 69228. For help or information regarding text messaging, send HELP to 69228 or contact our customer service at (888) BBT-ONLINE or (888) 228-6654. You expressly consent to receipt of a text message to confirm your “STOP” request.

8. Receiving Money; Money Transfers by Network Banks

Once a User initiates a transfer of money to your email address or mobile phone number registered with the Service, you have no ability to stop the transfer. By using the Service, you agree and authorize us to initiate credit entries to the bank account you have registered.

Most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Banks, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e. email, push notification).

If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment.

9. Sending Money; Debits by Network Banks

You may send money to another User at your initiation or in response to that User’s request for money. You understand that use of this Service by you shall at all times be subject to (i) this Agreement, and (ii) your express authorization at the time of the transaction for us or another Network Bank to initiate a debit entry to your bank account. You understand that when you send the payment, you will have no ability to stop it.

In most cases, when you are sending money, the transfer will occur in minutes; however, there are circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Banks, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not registered as a User with either Zelle or a Network Bank, the transfer may take up to two (2) days from the day the intended recipient responds to the payment notification by registering as a User. You understand and acknowledge that a person to whom you are sending money and who is not registered as a User may fail to register with Zelle, or otherwise ignore the payment notification, and the transfer may not occur.

The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we delay or block a payment that you have initiated, we will notify you in accordance with your User preferences (i.e. email, push notification).

We have no control over the actions of other Users, other Network Banks or other financial institutions that could delay or prevent your money from being delivered to the intended User.

10. Liability

Neither we nor Zelle shall have liability to you for any such transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service.

THIS SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND PEOPLE WITH WHOM YOU ARE FAMILIAR. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS THAT YOU DO NOT TRUST. YOU AGREE THAT YOU, NOT WE OR ZELLE, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT OR OTHER DISPUTES THAT YOU HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE.

11. Send Limits

We may, at our sole discretion, impose or change the limits on the amount of money you can send or receive through the Zelle Service. Such limits may be displayed in the Zelle Service application.

12. Requesting Money

If available, you may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle guarantee that you will receive money from other Users by sending a payment request. If a User ignores your request, we may decide or Zelle may decide, in our sole discretion, that we will not send a reminder or repeat request to that User.

By accepting this Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order.

You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by us or by Zelle. Neither we nor Zelle assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

13. Transaction Errors

In case of errors or questions about your electronic transfers call us at:

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

Or write:

BB&T Online Banking Support
2586 James B White Hwy North
Whiteville, NC 28472

Contact BB&T as soon as you can if you think your statement or information regarding a transaction is wrong or you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. When contacting BB&T regarding an error resolution, please be prepared to communicate the following information:

a. Your name and Social Security number or tax identification number.

b. The error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

c. The dollar amount of the suspected error.

If you tell us orally, we may require you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

14. Your Liability for Unauthorized Transfers

Tell us at once if you believe your user ID and password have been forgotten or stolen. Calling is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit. If you believe your user ID and password has been forgotten or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your user ID and password without your permission.

If you do not tell us within 2 business days after you learn of the loss or theft of your user ID and password, and we can prove we could have stopped someone from using your user ID and password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money if you had told us in time.

If a good reason, such as a long trip or a hospital stay, kept you from telling us, we will extend the time periods.

15. Liability for Failure to Complete Transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

a. If, through no fault of ours, you do not have enough money in your account to make the transfer or payment.

b. If the transfer or payment would go over the credit limit on your overdraft line.

c. If the funds in your account are subject to legal process or other encumbrance restricting such transfer.

d. If the service, your electronic device, or modem is not working properly and you know about the malfunction when you started the transfer or payment.

e. If a recipient mishandles or causes delays in handling payments sent by us.

f. If you have not provided us with the correct recipient information or payment amount.

g. If circumstances beyond our control prevent the proper completion of the transaction despite reasonable precautions by us to avoid these circumstances. Such circumstances include, but are not limited to, fire, flood, interruption in your electrical power or telephone, the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality or any defect or malfunction of your electronic device, operating software, modem or telephone line.

h. If you have not properly followed the instructions for using the service.

i. If the account holding institution fails to timely credit to your recipient.

j. If we have the right to refuse to process a payment or transfer as provided in this agreement

16. Fees

There are currently no fees to send or receive funds using the Zelle service. However, other service charges may apply. For example, there may be additional fees charged against your accounts if a transaction you initiate using the service causes any of your accounts to be overdrawn, exceed the maximum permissible number of transactions for the accounts or exceed any other qualifiers for the accounts. Refer to your account agreement and the associated pricing guides for these fees.

17. Use of Our Site

You agree to access this Site in compliance with our Terms of Use, which are available within the Customer Service portion of this site, and incorporated into and made part of this Agreement by this reference.

18. Cancellation of the Service

You may cancel your use of the service at any time by calling BB&T Online Support at 888-BBT-ONLINE (888-228-6654) or by writing to us at BB&T Online Banking Support, 2586 James B White Hwy North, Whiteville, NC 28472. You must notify us at least 10 days prior to the date on which you wish to have your service terminated. We may require that you put your request in writing. If there is more than one account owner or if more than one person is authorized to access the account through the service, we may terminate the service upon the request of any account owner or person authorized to access the account.

19. Right to Terminate Access

You may terminate your use of the service at any time by visiting your local BB&T financial center, by calling BB&T Online Support at 888-BBT-ONLINE (888-228-6654) or by writing to us at BB&T Online Banking Support, 2586 James B White Hwy North, Whiteville, NC 28472. You must notify us at least 10 days prior to the date on which you wish to have your service terminated. We may require that you put your request in writing. If there is more than one account owner or if more than one person is authorized to access the account through the service, we may terminate the service upon the request of any account owner or person authorized to access the account.

We may terminate your use of the service, in whole or in part, at any time without notice. Upon termination, you will remain liable for payments, transfers and other transactions in process and all accrued fees and charges.

20. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, ZELLE MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. ZELLE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. ZELLE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

21. Limitation of Liability

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK BANKS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF ZELLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ZELLE’S SERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF ZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK BANKS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100).

22. Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Service, and except as otherwise provided in this Agreement, you agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, errors, or inability to use the Service, or any violation by you of the terms of this Agreement.

23. Governing Law; Choice of Law; Severability

This agreement shall be governed by and construed in accordance with the laws of North Carolina, without regard to that state’s conflict of laws provisions.

24. Miscellaneous

Subject to the terms of this Agreement, the Services are generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our or Zelle’s control. Live customer service generally will be available Monday through Friday, excluding US bank holidays.

VIII. Contact in event of unauthorized transfer

If you believe your user ID and password have been forgotten or stolen, or that someone has transferred or may transfer money from your account(s) without your permission, call:

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

Or write:

BB&T Online Banking Support

2586 James B White Hwy North

Whiteville, NC 28472

IX. Liability provisions applicable to consumer accounts only

The following provisions apply in the event you believe there has been an unauthorized transfer from your consumer account. Please refer to the applicable account agreement for other important disclosures regarding your rights and responsibilities.

A. Your liability

Tell us at once if you believe your user ID and password have been forgotten or stolen. Calling is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit. If you believe your user ID and password have been forgotten or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your user ID and password without your permission.

If you do not tell us within 2 business days after you learn of the loss or theft of your user ID and password, and we can prove we could have stopped someone from using your user ID and password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money if you had told us in time.

If a good reason, such as a long trip or a hospital stay, kept you from telling us, we will extend the time periods.

B. Bank liability for transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. This liability is in addition to the payment guarantee for bill payments. However, there are some exceptions. We will not be liable, for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer or payment.
  2. If the transfer or payment would go over the credit limit on your overdraft line.
  3. If the funds in your account are subject to legal process or other encumbrance restricting such transfer.
  4. If the service, your electronic device, or modem is not working properly and you know about the malfunction when you started the transfer or payment.
  5. If a recipient mishandles or causes delays in handling payments sent by us.
  6. If you have not provided us with the correct recipient name, address, account information or payment amount.
  7. If circumstances beyond our control prevent the proper completion of the transaction despite reasonable precautions by us to avoid these circumstances. Such circumstances include, but are not limited to, fire, flood, delay in US Mail, interruption in your electrical power or telephone, the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality or any defect or malfunction of your electronic device, operating software, modem or telephone line.
  8. If you have not properly followed the instructions for using the service or the personal financial management software.
  9. If the account holding institution fails to timely credit an outbound transfer to your non-BB&T account for reasons beyond our control.
  10. If we have the right to refuse to process a payment or transfer as provided in this agreement.

C. Error resolution notice

In case of errors or questions about your electronic transfers call us at:

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

Or write:

BB&T Online Banking Support

2586 James B White Hwy North

Whiteville, NC 28472

Contact BB&T as soon as you can if you think your statement or information regarding a transaction is wrong or you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. When contacting BB&T regarding an error resolution, please be prepared to communicate the following information:

  1. Your name and Social Security number or tax identification number.
  2. The error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. The dollar amount of the suspected error.

If you tell us orally, we may require you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

X. Liability provisions applicable to business accounts

Except as may be specifically provided in Section IX (Liability Provisions Applicable to Consumer Accounts), and as provided below, you will use the services at your sole risk, including the risk of erroneous or fraudulent transactions. Please refer to the applicable account agreement for other important disclosures regarding your rights and responsibilities.

We will be responsible for performing the services we agree to provide to you as described in this agreement, using substantially the same degree of skill and care we generally apply in performing services for our other clients. Our liability will be limited to: (i) restoration, as soon as reasonably practicable, of any interrupted service; (ii) re-performance of the affected service at our expense, e.g., correcting, reversing or otherwise making accurate any errors in performance; or (iii) failing (i) and (ii) above, compensation to you for any actual monetary damages you incur as a result of our material breach of this agreement or our gross negligence, willful misconduct or criminal conduct in performing or failing to perform the affected service. Except as otherwise expressly provided in this agreement, our liability will not exceed the lesser of: (1) the actual amount of such damages or (2) the aggregate amount of fees you paid to us for the affected service during the 12-month period immediately preceding the date on which such damages occurred, or such lesser number of months that you have received the service.

XI. Disclaimer of warranty; exclusion of damages

We are not responsible for any loss, damage or injury resulting from an interruption in the availability of the service, or any computer virus you may encounter using the service. We encourage you to routinely scan your electronic device using a reliable virus protection product to detect and remove viruses from your electronic device.

A. Disclaimer of warranty

UNLESS SPECIFICALLY PROVIDED TO THE CONTRARY IN THIS AGREEMENT OR UNDER APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN AS IS, AS AVAILABLE BASIS, AND WE MAKE NO WARRANTY, WHETHER STATUTORY, EXPRESS OR IMPLIED, TO YOU OR ANY OTHER PERSON REGARDING ANY SERVICES, OR ANY SOFTWARE OR EQUIPMENT USED IN CONNECTION THEREWITH, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT.

B. Exclusion of damages

EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR BY LAW, WE ARE NOT RESPONSIBLE FOR ANY LOSS, INJURY, OR DAMAGE WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY THE SERVICE OR THE USE THEREOF OR ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF THE FINANCIAL SOFTWARE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

XII. Termination

You may terminate your use of the service at any time by visiting your local BB&T financial center, by calling BB&T Online Support at 888-BBT-ONLINE (888-228-6654) or by writing to us at BB&T Online Banking Support, 2586 James B White Hwy North, Whiteville, NC 28472. You must notify us at least 10 days prior to the date on which you wish to have your service terminated. We may require that you put your request in writing. If you have scheduled payments within this 10-day period, you also must separately cancel those payments pursuant to the Stopping and Modifying Bill Payments Section of this agreement. If we have not completed processing your termination request and you have not otherwise canceled a payment, you will be responsible for payments scheduled during the 10 days following our receipt of your written notice of termination and all accrued fees and charges. If there is more than one account owner or if more than one person is authorized to access the account through the service, we may terminate the service upon the request of any account owner or person authorized to access the account.

We may terminate your use of the service, in whole or in part, at any time without notice. Upon termination, you will remain liable for payments, transfers and other transactions in process and all accrued fees and charges.

XIII. Fees

You agree to pay the fees specified in the current Online Banking Fee Schedule as amended from time to time, which are available in Customer Service within the service, and which are incorporated herein by reference.

We reserve the right to determine whether you are using the service as a consumer or as a business or both and to adjust your monthly fees accordingly. Monthly fees may be changed with advance notice. In addition, stop payment fees and other service charges may apply. For example, there may be additional fees charged against your accounts if a transaction you initiate using the service causes any of your accounts to be overdrawn, exceed the maximum permissible number of transactions for the accounts or exceed any other qualifiers for the accounts. Refer to the account agreement and the associated pricing guides for these fees.

You authorize BB&T to deduct all applicable subscription, service and use fees for the service from your service charge account. If we are unable to deduct all applicable fees from your service charge account for any reason (e.g., the account has been closed or there are not sufficient funds in the account), you authorize BB&T to deduct all applicable fees for the service from any of your other accounts. You may designate a different account for service charge deductions, by notifying a local financial center, calling BB&T Online Support at 888-BBT-ONLINE (888-228-6654) or by using online banking.

XIV. General

A. Entire agreement

This agreement constitutes the complete and exclusive agreement related to the service and supplements the software license agreements, the account agreements and any other agreement or disclosure related to your accounts. In the event of a conflict between this agreement and any other agreement or disclosure related to your accounts or any statement by our employees or agents, this agreement shall control as to the subject matter addressed herein.

B. Waivers

No delay or omission by us in exercising any rights or remedies hereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise or the exercise of any other right or remedy. No waiver shall be valid unless in writing and signed by us.

C. Assignment

You may not assign this agreement to any other party. We may assign this agreement or delegate any or all of our rights and responsibilities under this agreement to any third parties.

D. Governing law

This agreement shall be governed by and construed in accordance with the laws of North Carolina, without regard to that state's conflict of laws provisions.

E. Compliance with applicable laws

Any user of this service shall comply with all applicable laws. We reserve the right to refuse to process any transaction we reasonably believe violates applicable law or we believe is made in connection with any unlawful transaction or activity, including without limitation, gaming, gambling, lottery or similar activities. We will notify you if we do not process a transaction.

F. Amendments

We may amend this agreement from time to time by posting the amended agreement on our website along with a notice this agreement has been amended or by any other reasonable notification method. You may obtain the most recent version of this agreement by visiting our website or calling 888-BBT-ONLINE (888-228-6654) to request a copy. Continued use of the service following notice of amendment constitutes acceptance of any amendments to this agreement.

G. Severability

If any provision of this agreement is determined to be void or invalid, the remainder of this agreement shall remain in full force and effect.

H. Service hours

The service is available 24 hours a day, 7 days a week, except during maintenance periods, for the scheduling, modification or review of payment orders and for initiation of funds transfers and balance inquiries. Please refer to the description of each service for specific processing schedules and cut-off times.

I. Business days

Our business days are Monday through Friday excluding Federal Reserve holidays.

J. Service notifications

We may add, modify or discontinue the service at any time, including placing or changing restrictions/limits on the types or amounts of transfers or payments or changing the terms and conditions governing the service. We may send you electronic notifications concerning the services, including notice of a change or termination of the service. We may also temporarily suspend your use of the service at any time for security reasons or any other reason in our discretion. We have no responsibility or liability for service unavailability, interruptions or delays due to any cause.

K. Confidentiality

Subject to applicable law, we will disclose information to third parties about you and your accounts or the transfers you make: (i) where it is necessary for completing transfers; or (ii) to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; (iii) to comply with government agency or court orders; (iv) if you give us permission; (v) as stated in the BB&T Corporation Consumer Privacy Notice; and (vi) as otherwise required or permitted by law or government regulation.

L. Access to other products and services

BB&T may provide you access to other financial products and/or services offered by BB&T, its affiliates, or third parties with whom we have contracted. Access to these products or services may be provided through the use of hyperlinks within the service. You agree when you use these other services, you will be subject to any terms and conditions applicable to the particular product or service. In the event of a conflict between this agreement and any terms and conditions applicable to other services, this agreement shall control as to the subject matter addressed herein.

M. Arbitration agreement

Any dispute arising from or relating to your account, this agreement, or any transaction conducted through the service will at your election or our election be resolved by binding arbitration in accordance with the arbitration agreement contained in the applicable account agreement.

Contact us

Online Banking Support: 888-BBT-ONLINE (888-228-6654)

Credit Cards: 800-476-4228

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.