BB&T Small Business Online Banking Agreement and Initial Disclosures

Effective October 27, 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.
  • Administrator means an individual designated by you who has the same access rights to use the services as you.
  • 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).
  • Authentication token means: (i) a code, soft token or other virtual version of a security device or measure; or (ii) a hard token or other hardware key or physical security device; and either or both of the foregoing may be used to authenticate and authorize a user or the device used to access a service and to conduct transactions, and may or may not be used in connection with a password.
  • BB&T refers to Branch Banking and Trust Company and its depository institution affiliates where your accounts may be located.
  • Business account means an account established by a sole proprietor, corporation, limited liability company or partnership for a business purpose.
  • 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.
  • Company means any entity enrolling in or using the service, such as a corporation, partnership, limited liability company and sole proprietor.
  • Deliver By date refers to the date on which your payment will be delivered to the recipient.
  • Effective entry date means the date on which an ACH debit or credit entry posts to your account.
  • NACHA rules means the operating rules, operating guidelines and any other official publications in the nature of rules, regulations, guidelines and the like, published by the National Automated Clearing House Association, and also known as the ACH rules, as amended from time to time.
  • Non-BB&T account(s) means your personal checking or savings account at another financial institution.
  • Online banking means the Internet application through which you may access the service.
  • 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.
  • Recipient refers to any business, merchant or professional with a valid five-digit US Postal Service ZIP code 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.
  • 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 refer 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

You must review this security section in light of any potential account access service initiation and transactions (volume, value, and frequency). Use of the service is your acceptance of the Security Procedures, as defined below, and agreement that the Security Procedures are commercially reasonable for such potential access and transactions as offered and contained in the U by BB&T for small business Security Procedures provided to you and located at Online Security Measures. Before accessing any service, you must provide information such as phone number and email address, and establish a combination of security measures such as user IDs, passwords, authentication questions where such information and security measures are used and combined with other authentication tokens, codes or security measures as we may advise, or require, you to use, as more specifically contained for each service in the Online Security Measures (The Online Security Measures, your information, and your choices of security comprise, and are referred to as, your “Security Procedures”). These Security Procedures contain information provided by you. You agree that access, transfers, service initiation, and transaction initiation using valid Security Procedures will be treated as authorized by you or your authorized agent, and may be processed by the Bank. Any services or transactions initiated by providing the Bank your Security Procedures will be considered as authorized by you or your agent, regardless of whether you intended those services to be initiated or transactions to be made from your account. You agree the Bank will not be liable for your failure to use required Security Procedures. Failure to use advised Security Procedures may significantly increase your risk of fraudulent transactions. You hereby indemnify the Bank for any liability, loss, cost, and expense, including but not limited to reasonable attorneys fees, arising from such access, transfer, or transaction initiation made with your Security Procedures, including such services or transactions not actually initiated or intended by you. Sharing, loss, theft, disclosure, or inadvertent access of your Security Procedures may result in unintended access, transfers, services, or transactions. Unless otherwise expressly provided in this agreement, you assume all risks such potential losses or damages arising from use of your Security Procedures, whether any such use was unauthorized or fraudulent, accidental, or inadvertent, by you or by someone you have authorized to use the Security Procedures and exceeded that authority. For more information on how to protect your identity, visit Security Central.

A. User ID and password requirements

You will be asked to choose your personal user ID and password in accordance with the requirements and limitations of the Online Security Measures. 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, except for wire and ACH as contained herein where added security procedures are required. You agree not to give or make available your user ID and password to any person. Sharing and disclosure of any Security Procedures constitutes a misuse. Any transactions initiated by providing the Bank your Security Procedures will be considered as authorized by you, regardless of whether you intended those transactions to be made from your account. We may ask you to change your user ID and password from time to time for security reasons.

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. Authentication

In addition to your user ID and password and information you provide to us, you will be presented with authentication question choices and prompted for responses when you initially access the service. You may be asked to update these questions and responses, and may be presented with these questions when you access the service and/or make certain transactions using the service. In addition, we may require you to use, one or more types of, authentication tokens or codes to verify your identity and the device you use to access the service, or to verify a specific transaction. 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. We will use the information provided to us to contact you in certain events and you are responsible for returning our phone and email messages. We will never ask you user name and passwords when contacting your over the phone or email. You agree to have no expectation of your phone and email addresses to be used for authentication purposes and valid Security Procedures may be provided for validation of transactions from phone numbers other than the numbers provided to us.

C. Confidentiality and security of Security Procedures

You agree to establish and maintain commercially reasonable methods to protect the confidentiality and security of all Security Procedures and information relating to their use. You are solely responsible to secure your Security Procedures as you are authorizing us to allow access and initiate services and transactions when your information is provided through valid Security Procedures. Suggestions for developing such commercially reasonable methods are available at Security Central. You should: (i) maintain security keys and related information in a secure location with access limited to only those persons authorized to use the services; (ii) provide initial and ongoing instructions concerning confidentiality and security to such authorized persons; (iii) ensure that security keys are used only in a secure environment and only by such authorized persons; (iv) periodically change your information in the Security Procedures as we may require or as may otherwise be prudent; (v) deactivate, cancel or change any individuals with access to your Security Procedures whenever you terminate or restrict the right of a person to use any of them (e.g., when you terminate an employee or limit authority previously given relating to a service); (vi) notify us immediately by phone if you believe any Security Procedure has been lost, forgotten or is in the possession of an unauthorized person, and upon our request, you will promptly confirm your call in writing;. You should never disclose information concerning Security Procedures to anyone who is not authorized to use the services.

D. Limitation of liability related to security keys and unauthorized transactions

Except as otherwise provided in this agreement for consumer accounts, absent our actual knowledge of an attempted unauthorized use, we: (i) will allow any person using your Security Procedures to access and use the service; and (ii) may receive information from, provide information to, and rely upon, act on and follow any instructions from any person using your Security Procedures, and such instructions will be deemed effective as your instructions. Our records regarding the Security Procedures used to access any service will be deemed conclusive and binding upon you, absent manifest error. If an unauthorized person obtains access to any service through the use of your Security Procedures, we will not be liable to you or any other person for permitting such access or for receiving information from, providing information to or relying upon, acting on or following instructions from such person (including, without limitation, instructions resulting in the loss of funds), unless you provided adequate prior notice to us of the actual or suspected loss or theft of or unauthorized access to your Security Procedures or we otherwise had actual prior knowledge thereof, or unless the facts of the situation otherwise show we did not act in good faith. If we believe your Security Procedures may have been breached or an attempt to access any service or conduct any transaction may be unauthorized, we may deactivate, cancel or change your Security Procedures as we deem necessary, and we may block access to services and refuse to effect any transaction(s), all without prior notice to you. You agree to reasonably cooperate with us in the investigation and, if appropriate, prosecution of any person who has disclosed, obtained or used any of your Security Procedures without your consent.

Please see section XIII of this agreement for important information about your rights and responsibilities in connection with unauthorized transfers from consumer accounts.

E. Computer security

You acknowledge we are unable to determine whether any part of your Computer System, computer, mobile or other electronic device, system, network, software, application, app (except U by BB&T), browser, internet connection, or other parts used to access the service (collectively your Computer System”) has been infected with malicious software or compromised by unauthorized individuals. You are responsible for keeping current virus protection to protect your Computer System, and for regularly scanning your Computer System for spyware or other malware. We are not responsible for any losses, errors, failures or malfunctions arising in connection with any unauthorized intrusion into your Computer System, unless we had actual prior knowledge thereof. You agree to allow a competent professional to conduct a forensic investigation on your Computer System if you assert a transaction was initiated with your Security Procedures and assert such transaction was not authorized or intended by you.

F. Transaction validation

Transaction validation is designed to increase security for ACH, Wire, or other payments. When you first log onto U by BB&T for Small Business, you will be required to provide a valid email address and phone number(s). In addition, should you choose to add additional users to your account through the multiple user access service, you must also provide an active email account for each user. When you first subscribe to the payments service, you must register at least two phone numbers you or your entitled users will be initially contacted through to validate transactions initiated through the Service. If you, or any of your entitled users, initiate any transaction or payment through U by BB&T for Small Business, you/they will be required to complete a transaction validation process by our initiating a call to one of your registered numbers before your payment can be successfully processed. You are solely responsible for maintaining correct and up to date phone and email information for transaction validation. You are solely responsible for the security and access to the phone and Computer System using the phone number and email. You are responsible for unauthorized use of a phone or email resulting in service or transaction initiation. You agree that we will have no liability to you for transactions initiated where your email or phone have been used to follow the Security Procedures. We will rely solely on Security Procedures for transaction validation. Your failure, or delay, in responding to phone messages (as contained in Other Security Measures below) may cause transaction initiation with the Security Procedures, regardless of what phone number is used to call in such validation.

G. Other security measures

We reserve the right to, at any time, require use of additional procedures, such as transaction validation codes, dual validation procedures and other measures in addition to your Security Procedures for verifying your identity or validating certain transactions. There may also be Security Procedures applicable only to certain services. Any acceptance of such additional procedures by use of your Security Measures will be deemed as your acceptance of such additional procedures.

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. Funding obligations

It is your sole responsibility to ensure you have on deposit sufficient available (including, if required, collected) funds to cover all transactions and fees at the time they are presented for payment or are scheduled to be made. We may refuse to process any transaction if sufficient funds are not available in your account to fund the transaction, or sufficient funds are not available in your service charge account to pay all fees. You agree to accept our procedures for calculating available and collected balances, and you acknowledge our records regarding the same will be deemed conclusive. Available funds may include funds available in any line of credit or other account or credit facility formally established with us for overdraft protection purposes, or pursuant to which we have otherwise agreed to make advances in connection with a service. However, nothing in this agreement will be deemed a commitment by us to extend credit to you or to grant you overdraft privileges. Any commitment to extend credit must be set forth in a separate agreement with us through a person authorized to make credit decisions on our behalf. Please see the applicable account agreement for additional information concerning available balances, collected funds and when deposits are generally available for withdrawal.

VIII. ACH Transfer Service

A. General

If you have enrolled in the payments service, you may use the service to initiate ACH entries only from your business accounts. You may initiate instructions to us to make credit entries to accounts of other persons on your behalf through the nationwide Automated Clearing House (ACH) payment system (or in the case of on-us entries to BB&T accounts, through internal processing). The most common examples of ACH credit entries are direct deposit of payroll to employees' accounts and business-to-business payments.

B. NACHA Rules

ACH transactions are governed by the NACHA rules. In the event of any conflict between the NACHA rules and any provision of this agreement, the NACHA rules will prevail. Use of the service requires you to understand and comply with the NACHA rules, and you agree to do so with respect to all entries, whether or not sent through the ACH system. You may obtain a copy of the NACHA rules, which is revised quarterly, through NACHA.org(opens in a new tab) or ePayresources.org(opens in a new tab); book subscribers may then access an online version at ACHRulesOnline.org(opens in a new tab).  

C. Definitions

Under the NACHA rules, the parties to a typical ACH transaction are defined as: (i) the receiver (the person who authorizes you to credit or debit its account); (ii) the originator (you, or the person who initiates ACH entries); (iii) the originating depository financial institution or ODFI (BB&T, or the bank that transmits your entries to the ACH system); (iv) the ACH operator (the central clearing facility that transmits entries and performs settlement functions between the financial institutions involved); and (v) the receiving depository financial institution or RDFI (the receiver's bank which posts entries to the receiver's account).

The term entry or entries under the NACHA rules means an electronic order or request for the transfer of funds, and for purposes of this agreement, also may refer to the data you send us from which you initiate such transfers of funds. Any other capitalized terms used in this section that are not defined herein or elsewhere in this agreement will have the meanings set forth in the NACHA rules.

D. Security Procedures

When transmitting entries and other information to us in connection with the service, you agree to follow all security procedures we establish. You acknowledge the purpose of the security procedures is to verify the authenticity of your instructions and not to detect any errors in the content or transmission thereof. In our discretion, our verification procedures in any instance may include contacting you or your administrator, and for your protection we may choose not to carry out or we may delay implementing any instructions if we are unable to obtain verification satisfactory to us.

Any entry or other instruction purporting to have been transmitted or authorized by you, but, which in fact was not authorized, will be deemed effective as your entry or instruction, and you will be obligated to us for the amount thereof, provided we acted in good faith and in compliance with the security procedures. With respect to any entry or other instruction, which was in fact transmitted or authorized by you, you will be obligated to us for the amount thereof, whether or not we complied with the security procedures and whether or not the entry was erroneous in any way or the error would have been detected had we complied with such procedures.

E. Processing your ACH Entries

The types of ACH entries you may initiate will be limited to the ACH standard entry class (SEC) codes assigned based on the ACH entry types selected with the service. Except as provided below with respect to on-us and rejected entries, we will: (i) process properly formatted entries conforming to the specifications in the NACHA rules; (ii) transmit the entries as an ODFI to any ACH operator we select; and (iii) settle for such entries as provided in the NACHA rules. Refer to Section VII regarding funding obligations.

Except for any rejected entries as provided below, an on-us entry received for credit or debit to a receiver's account at BB&T will be posted to that account on the date you request (the effective entry date), provided it complies with all the requirements of this agreement and is received by the applicable processing deadline. If such entry is received after the deadline, we will use reasonable efforts to credit or debit the receiver's account on the next business day after the effective entry date.

F. Processing Schedule for ACH Entries

ACH entries received within the current business day's published processing timeframes and/or before the final deadline of 8 pm ET will be transmitted to the ACH operator on the same day. You may submit ACH entries by using the service 24-hours a day, 7 days a week; however, ACH entries will be processed only on business days. ACH entries will not be processed on standard Federal Reserve holidays. Please refer to the Federal Reserve's website FRBServices.org(opens in a new tab) to view the current year's holiday schedule.

G. Errors and Ambiguities

If an entry describes the recipient inconsistently by name and account number (i.e., the name and account number do not match our records), the entry may be processed and posted based solely on the account number you supplied, even if the account belongs to a person who is not the recipient and your obligation to pay us the amount of the entry is not excused in such circumstances.

H. Reversal Requests

A request to reverse an ACH entry may be submitted to correct an erroneous or duplicate credit or debit entry previously initiated to a recipient's account. ACH reversals must be submitted within 5 days of the effective entry date and are not guaranteed. ACH reversal requests are subject to the receiving depository financial institution's right of return. You must reimburse us for any expenses, losses or damages we may incur in implementing or attempting to implement any such request. Refer to the NACHA rules for specific obligations and instructions. To request an ACH reversal, please call BB&T Online Banking Support at 888-BBT-ONLINE (888-228-6654).

I. Rejected Entries, Returned Entries, Notifications of Changes

We may reject any entry that does not comply with any requirement of this agreement, the NACHA rules or any applicable law, including, without limitation, for any of the following reasons: (i) your failure to transmit entries of the type and manner prescribed by the agreement, the NACHA rules, or any related agreements; (ii) your failure to follow all applicable security procedures, or our inability to verify the authenticity of any entries or instructions using the security procedures; or (iii) your failure to comply with any of your funding obligations set forth in Section VII (Funding Obligations). Additionally, we may reject any on-us entry for any reason for which an entry may be returned under the NACHA rules. We will promptly notify you of any rejected entries, and such notice may be by through the service. We will have no liability to you or any other person by reason of the rejection of any entry, unless such rejection is caused solely by our gross negligence, willful misconduct or criminal conduct.

We will promptly notify you through the service of any entries returned to us by the ACH operator. Except for entries you retransmit in accordance with the requirements of this agreement and the NACHA rules, we will have no obligation to retransmit a returned entry to the ACH operator, provided we complied with the agreement and the NACHA rules with respect to the original entry. You are responsible for correcting and resubmitting any rejected or returned entries, except we will do so if the rejection or return was caused by our error, provided sufficient data is available to us to effect such resubmission.

We will promptly notify you through the service of rejected or returned entries and any notifications of changes (NOC, as defined in the NACHA rules) we receive related to your entries, except for NOCs we refuse as provided in the NACHA rules. You must correct any entry information required by a NOC prior to the initiation of the next such entry to the same recipient's account or within 6 business days of your receipt of the NOC information, whichever is later.

J. Daily Caps and Thresholds

The maximum aggregate amount of ACH entries you may initiate in any rolling 3 business days is the lesser of your collected and available balance or $75,000. We may establish and change at any time in our discretion ACH daily caps on the dollar amount of ACH entries you may initiate, and we will have no liability to you or any other person if we reject or suspend processing any entries that would exceed such limits.

K. Payments of Debits and Credits

You will pay us the settlement amount of each credit entry file on the business day prior to the effective entry date. We will pay you on the settlement date the amount of each returned credit entry. All of the foregoing types of payments will be made by our crediting or debiting, as appropriate, the account(s) you designate for use with ACH services. Any credits to your account related to ACH services will be subject to our normal policies concerning when deposited funds are available for withdrawal.

L. Representations and Warranties

Each time you or any person you authorize transmits an entry to us, you represent and warrant to us and agree: (i) the types of entries transmitted are limited to those standard entry class codes you and we have agreed to; (ii) each person shown as recipient has authorized the initiation of the entry and the crediting of its account in the amount shown and on the designated effective entry date; (iii) such authorization is in writing and is operative and has not been revoked; (iv) you have complied with applicable law with respect to consumer credit entries; (v) you have performed your obligations under this agreement in accordance with all applicable law; (vi) you make additional warranties to us, which are the same warranties we, as an ODFI, make under the NACHA rules, and (vii) all ACH transactions conducted through the service are being conducted by you, or by an authorized user or administrator on your behalf, and not on behalf of any other person or entity that has not enrolled in the service.

M. Indemnification

You agree to bear all liability for, and to indemnify and hold us harmless against fines, penalties or other liabilities relating to ACH services which may be imposed on us by anyone, including NACHA's national system of fines, and which are assessed due to your failure to comply with applicable law, and any losses or costs we may incur arising in connection with a breach of your representations and warranties. You further agree we may collect any such fines, penalties or other liabilities from you through our normal processes for collecting fees, by debiting any of your accounts with us or our affiliates, or by setting off such amounts against any amounts we may owe to you.

N. Record Retention

You agree to retain data adequate to permit the remaking of entries for at least 5 business days following the date of transmittal to us, and to provide such data to us upon request. You also agree to comply with all record retention requirements set forth in the NACHA rules including, without limitation, requirements relating to the retention of recipient authorization records and any source documents. We have the right to review any of your authorization records or source documents at any time, which you agree to provide to us promptly upon request.

O. Third-Party Service Providers or Third-Party Senders

You may not use the service to initiate ACH transactions on behalf of another entity or person unless you are initiating such transactions as an authorized user or administrator on behalf of an entity that has enrolled in the service.

IX. Wire Transfer Service

A. General

If you have enrolled in the payments service, you may use the service to initiate wire transfers from your eligible business or personal accounts. Only the authorized account owner may initiate wire transfers from their personal accounts.

B. Applicable Law

All wire transfer orders (including any rights to modify or cancel such orders) are governed by UCC Article 4A, except where modified by this agreement or superseded by any applicable funds transfer system rule, pursuant to UCC section 4A-501. You agree to comply with and be bound by all of the foregoing, as applicable.

C. Acceptance and Execution of Wire Transfer Orders

We will use our best efforts to execute any wire transfer instruction, which we agree to accept pursuant to this agreement, on the same business day it is received (or on the business day requested for future-dated wires), provided it requests a debit from an account you have designated for wire transfers, and we receive it in the required manner prior to any cut-off hour we may establish from time to time. Requests received after the established cut-off time, weekends or bank holidays will be deemed received on the next business day. We may handle transfer orders in any order in our sole discretion. We may choose any means, intermediaries or transfer systems to execute any wire transfer order. We will use reasonable efforts to send a written confirmation of each transfer order, and you must promptly review and report any problems to us.

We will be deemed to have accepted a transfer order only when we have fully executed it. We may return or reject any wire transfer request, or impose conditions that must be satisfied before we will accept it, for any reason in our sole discretion and without any liability to you or any other person. In addition, a receiving bank, or the Federal Reserve Bank, may return or reject a wire transfer. We will have no liability to you or any other person by reason of the rejection of any wire transfer, unless such rejection is caused solely by our gross negligence, willful misconduct or criminal conduct.

D. Cancellations and Return Wire Requests

If you subsequently request cancellation or return of any wire transfer, we may, but are not obligated to, attempt to implement your instructions, but will have no liability to you or any other person for our inability or failure to do so, and in such case, you will remain obligated to us for the full amount of the original transfer order. You must reimburse us for any expenses, losses or damages we may incur in implementing or attempting to implement any such request. To request a wire transfer cancellation or return wire request, please call BB&T Online Banking Support at 888-BBT-ONLINE (888-228-6654).

E. Processing Schedule for Wire Transfers

Wire transfers are executed real-time throughout the business day, assuming the wire transfer has not been rejected by the service or returned/suspended by us due to insufficient, inaccurate or inappropriate wiring instructions. You acknowledge our right to reverse, adjust, stop payment or delay any transfer order subject to the rules, regulations, laws and operating circulars of any transfer system. Final cut-off for same day wire through the service are as follows:

  • International wire transfers: 5 pm ET
  • Domestic wire transfers: 5:30 pm ET

Although you may submit wire transfers by using the service 24-hours a day, 7 days a week, wire transfers will be processed only on business days, subject to system availability.

F. Errors or Ambiguities

You are solely responsible for accurately identifying in your transfer instructions the beneficiary and beneficiary's bank. If your instructions inconsistently identify a beneficiary by name and account number (i.e., if the name and account number at the beneficiary's bank do not match), you acknowledge the beneficiary's bank may credit payment based on the account number alone, notwithstanding the discrepancy. Similarly, if your instructions inconsistently identify the beneficiary's bank by name and bank routing/transit number, we may rely solely on the routing/transit number in executing the order. In either of the foregoing situations, we have no obligation to detect errors in or to question your instructions, and you assume all risks of any losses resulting there from. If we believe your instructions are ambiguous or may contain errors, in our sole discretion we may, but are not obligated to, delay the execution of any wire pending receipt of clarification from you.

G. Foreign Wires and Fees

If you request a wire transfer in US dollars to a beneficiary in a foreign country, we may make the transfer in the currency of that country pursuant to our normal procedures at our buying rate of exchange on or before the transfer date. Such exchange rate may differ from rates offered or published by other sources. You accept all risks of currency exchange rate fluctuations between the time you initiate a foreign wire request and the time it is completed. In addition to paying BB&T's foreign wire transfer fees, you shall be responsible for paying any and all fees charged by our correspondent banks, intermediary banks and paying agents for handling or forwarding an international wire transfer from BB&T, some, if not all of which, may be deducted from the wire transfer proceeds. Foreign wires are not allowed from personal accounts.

H. Daily Caps and Thresholds

The maximum aggregate amount of wire transfer entries you may initiate in any rolling 3 business days is the lesser of your collected and available balance or $75,000. We may establish and change at any time in our discretion wire transfer daily caps on the dollar amount of wires you may initiate, and we will have no liability to you or any other person if we reject or suspend processing any entries that would exceed such limits.

I. Liability Related to Wire Transfer Services

If we fail or delay in executing a proper transfer order, or if we make a transfer in an amount greater or less than the amount requested, our liability to you will be governed and limited by UCC section 4A-305.

J. Representations and Warranties

Each time you, or any person you authorize, submit a wire transfer order to us, you represent and warrant that each transfer order complies with your obligations under this agreement and with all other applicable law.

K. Duty to Examine Statements

You must promptly review and reconcile all statements pertaining to transfers orders, transfers, and your accounts, and shall report in writing promptly, but in no event later than 30 days after the date of such statement any unauthorized transfer, erroneous or improperly executed transfer order, and any other objections pertaining to the transfer. You agree 30 days is a reasonable time for the detection and reporting of any errors. After that time, all items on the statement will be considered correct and you will be precluded from recovering such items from us.

X. Multiple user access service

A. Creating administrators

If you have enrolled in our multiple user access service, you may designate one or more administrators. If you designate an administrator, your administrator will have the same rights to access and conduct transactions on your accounts as you do in the service. In addition, an administrator can change or delete other users and conduct transactions on your business and consumer accounts. Therefore, you should carefully select and oversee your administrators and limit the number of administrators you designate even though the administrator’s authority is established in and only resides in the service.

Your administrator can perform the following tasks on your behalf: (i) add and delete additional users; (ii) assign and re-set passwords; (iii) assign and modify limits to transaction levels (both daily and transactional) for all administrators and users; (iv) assign ability to view accounts; (iv) assign ability to conduct transactions; (v) make users inactive or active; (vii) modify/add/delete alerts and other services; (viii) view and conduct transactions on all accounts, including personal, business, and multiple entities. You represent and warrant all administrators and users have been authorized by all necessary action to act on behalf of the company. You must immediately inform us of a change in the persons authorized to act on behalf of the company. Such notice must be given separately from any other notices given to other BB&T department or banking centers, by calling BB&T Online Banking Support at 888-BBT-ONLINE (888-228-6654). You may also write us at:

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

Except as otherwise provided in this agreement for consumer accounts, BB&T will have no liability to you for unauthorized payments and transfers made using the security keys you or your administrator assign that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.

B. Creating and terminating users

You and your administrator(s) may add up to 25 total users to your Small Business Online account and provide each with unique security keys. For each user, you may designate the activity level for each account. You must immediately notify us if you terminate or restrict an administrator's or a user's access to the service for any reason, such as a termination of employment or a change in job roles. We will not be responsible for any losses you may incur resulting from a failure to notify us of such change, and your failure to deactivate any security keys in such person's possession.

XI. 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 U.S. 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 8:00 p.m. Eastern Time 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 $500.00 per business day for retail clients and $1,000.00 per business day for business/commercial clients. The monthly dollar limit for deposits is $1,000.00 per 30 calendar day period for retail clients and $3,000.00 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 $2,500.00 per business day for retail clients and $5,000.00 per business day for business/commercial clients. The monthly dollar limit for deposits is $5,000.00 per 30 calendar day period for retail clients and $10,000.00 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 $5,000.00 per business day for retail clients and $10,000.00 per business day for business/commercial clients. The monthly dollar limit for deposits is $10,000.00 per 30 calendar day period for retail clients and $30,000.00 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 $10,000.00 per business day and $30,000.00 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. 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 1-800-226-5228 between 6 a.m. and midnight (Eastern Time). 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.

I. 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.

J. Zelle®

1. Description of Services

  1. 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.”
  2. 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.
  3. 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-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.”

c. If at any time while you are enrolled, you do not send or receive money using the Service for a period of 18 consecutive months, we may contact you and/or take other steps to confirm that the U.S. mobile phone number or email address that you enrolled still belongs to you. If we are unable to confirm that you are the owner of the mobile phone number or email address, then you understand that we may cancel your enrollment and you will not be able to send or receive money with the Service until you enroll again.

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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:

  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.

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:

  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 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, 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.
  9. If the account holding institution fails to timely credit to your recipient.
  10. 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 ($100.00).

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.

XII. 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

XIII. 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.

XIV. Liability provisions applicable to business accounts

Except as may be specifically provided in Section XIII (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.

XV. 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.

XVI. 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.

XVII. Fees

You agree to pay the fees specified in the current Small Business 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.

XVIII. 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, Member FDIC.

Branch Banking and Trust Company is now Truist Bank. Learn more.

BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.

BB&T Complete Client Protection

about Truist Bank