On October 15 your BankAtlantic accounts, including online banking, will convert to BB&T.
The following are some frequently asked questions about the conversion process and your new BB&T OnLine® and BB&T Small Business OnLine® Internet banking services. The answers here will help you understand what you should do during this conversion, and where you can get assistance.
You will be assigned new account numbers that will be effective on October 15, 2012. For your convenience, we will send you a separate letter listing your BankAtlantic Account Type / Number and the corresponding new BB&T Account Type / Number.
Shortly after October 15, 2012, you will receive details on ordering new BB&T checks. Please feel free to keep using your current checks and deposit slips through November 1, 2013. If you need additional checks before October 15, 2012, simply reorder them as you normally would, but please order the minimum quantity.
BB&T will continue to accept your Direct Deposits and automatic drafts (ACH transactions) for one year. After one year, ACH items received with your old account information will be returned to the originator. As we receive and post transactions, we’ll send electronic Notifications of Change to the financial institutions that originated the ACH transactions, providing them your new BB&T account and BB&T routing transit number. However, we also encourage you to confirm the changes to your information with those companies or financial institutions.
You should receive your last statement from BankAtlantic shortly after October 12, 2012. When the conversion to BB&T is complete, you should receive your statements at approximately the same time as you do now. BB&T may combine your checking, savings and overdraft protection account information into one statement. We will mail your credit line statements separately. For the first few months, you’ll see both your current deposit account number(s) and your new BB&T deposit account number(s) on your statements.
If you currently receive your statements online only, you will begin receiving them again in the mail. However, once you log on to your new online banking account, you may easily return to receiving your statements online only. You’ll simply need to indicate your preferences and accept the applicable agreements when you log on.
You can also register with BB&T Alerts to automatically receive a notice when your statement is ready for viewing.
You should receive your new BB&T Check Card by October 12, 2012, to replace your current card. Please activate and begin using your new card after 5 p.m. on October 14, 2012.
If you have a BankAtlantic debit card you can continue to use your current Personal Identification Number (PIN). You will have the additional benefit of no-fee access at more than 2,400 BB&T24 ATMs in 12 states and the District of Columbia.
On October 15, 2012, you will have access to free BB&T online banking and unlimited OnLine® Bill Payment 24 hours a day, seven days a week, anywhere there is an Internet connection. If you currently use BankAtlantic’s Online Banking service, your BB&T User ID may be the same as your current User ID (unless you are informed otherwise by mail), and your new, temporary password will be the last five digits of your Social Security number. For business accounts it will be the last five digits of your tax identification number.
BB&T allows you to conveniently monitor account activity by receiving alerts via mobile text or email. BB&T Alerts supports account balance and transaction alerts as well as bill payment, credit card, statement availability, profile change and more for your online accounts.
You’ll be able to register on October 15, 2012, once you log on to online banking. From the overview page, simply click the Alerts tab. If you are currently using alerts with BankAtlantic, please go to the Alerts tab to sign up and customize your new alert settings.
You can use your mobile device to securely access banking services instantly by sending and receiving SMS text messages, accessing our mobile website, or downloading our mobile banking application for iPhone® or Android® devices. You can also use our smartphone app to deposit checks.
You’ll be able to register for Mobile Banking on October 15, 2012. Simply log on to BB&T OnLine Banking and click the BB&T Mobile link beneath the message center to begin the registration process.
If you have a loan or mortgage, you will receive information about any changes to your account, including how and when to make payments. If your account is still in the transfer process, you will receive a notification with this information shortly.
As a BB&T client, you will have access to approximately 1,800 BB&T financial centers, including many of the BankAtlantic branches you’re accustomed to visiting. You will also have no-fee access at more than 2,400 BB&T24ATMs in 12 states and the District of Columbia.
If you have any questions or concerns, please let us know. We’re here to make the conversion process as easy as possible for you. You may drop by any BB&T financial center or BankAtlantic branch during normal banking hours or call 888-822-6634 from 6 a.m. to midnight, seven days a week.
Are you calling internationally?
If you are abroad, please make sure to dial 910-914-8250.
BankAtlantic Online Banking became view-only at 11 p.m. ET on October 11, 2012. To ensure a smooth transition, please take the time to do the following:
To back up your transaction history, follow these instructions.
All of your scheduled bill payments will be converted to BB&T and will process as scheduled, except for those scheduled for October 12, 2012. The Send On date at BB&T will reflect earlier processing to ensure that your payments are received by your payees by the Pay Date from BankAtlantic Online Banking.
Yes, you will continue to have access to eBills.
To download your bill payment history, follow these instructions.
All of your scheduled internal transfers, transfers between your own accounts, will be converted to BB&T and will process as scheduled, except for those scheduled on October 12, 2012. They will not be processed until October 15. Your Send On date with BankAtlantic Online Banking will become your Withdrawal Date at BB&T.
You were able to edit any scheduled or recurring/repeating transfers by using the Scheduled Transfers screen within BankAtlantic Online Banking until 11 p.m. ET on October 11, 2012.
Any transfers you have scheduled between BankAtlantic and another financial institution will not be carried over to BB&T. The last date for these transfers to occur will be September 26, 2012. BB&T does have an external transfer service for clients with personal banking services. You will need to set these up from the Transfers tab in BB&T OnLine.
Any wire transfers you had scheduled after October 11, 2012 will not be processed and will not convert to BB&T. BB&T Small Business OnLine does offer this service for business accounts and you can enroll after logging in for the first time.
Your Online Payroll Services through BankAtlantic Online Banking will not be converted to Small Business OnLine. Your Payroll Services will no longer be available through BankAtlantic Online Banking as of 5 p.m. ET on October 10, 2012. BB&T Small Business OnLine does offer a self-service Payroll option. You can enroll in Payroll after logging in for the first time.
If you currently receive your statements online only, you will begin receiving them again in the mail. However, once you log on to your new BB&T online account, you may easily choose to receive your statements online only. You can also register with BB&T Alerts to automatically receive a notice when your statement is ready for viewing.
To download your statements, follow these instructions.
You may begin using BB&T OnLine on October 15, 2012. On this day, you should do the following:
1. Log on to BB&T Online Banking.
2. Review your accounts.
3. Review your payees.
4. Review your scheduled and recurring/repeating internal transfers.
5. Review your scheduled and recurring/repeating online bill payments.
However, BB&T processes bill payments using the Send On date. The Send On date is when the payment will be processed and sent to the payee. For electronic payments, money is held from your payment account on the Send On date and the payment received by the payee two business days later. For paper payments, funds are not deducted from your account until the payee deposits the paper check. Paper payments are received by the payee five business days after the payment is sent.
Payments are received by the payee in either two or five days, depending on if the payee accepts payments electronically or by paper check. Payments made to BB&T are processed and received in one day.
You may begin using BB&T Online Banking on October 15, 2012.
BB&T provides many of the same services you have enjoyed with BankAtlantic. However, there are some significant differences in the services which are outlined below.
|BankAtlantic Online Banking||BB&T Online Banking|
|Available Account Types||
|Forgotten Passwords and Locked Accounts||If you are locked out of online banking due to a series of incorrect password attempts, you can regain access by calling a BankAtlantic Online Banking administrator.||You may reset your password and unlock your account online.|
|Small Business Online Banking||ACH Payments & Wire Transfers
Make a variety of payment types, all of them available for one low monthly fee.
Customize access for up to 10 additional users, and reduce the risk of sharing passwords with employees. The service is available for a low monthly fee.
Use a complete, self-service, low-cost solution for managing the payroll of your small business. The service is available for a low monthly fee.
|Balance Information||The online system displays both Current Balance and Available Balance.
Current Balance is your account balance as of the last processing date.
Available Balance is your balance as of the last processing date, plus or minus any pending transactions.
|The online system displays both Posted Balance and Available Balance.
Posted Balance is your account balance as of the last processing date.
Available Balance is your balance as of the last processing date, plus any pending transactions within the same day.
|Check Images||View check and deposit slip images from the current month and previous cycles up to approximately 24 months.||View up to six months of check images and deposit slips.|
|Transfers to Accounts at Other Financial Institutions||BankAtlantic Online Banking has the ability to transfer money to other financial institutions.||BB&T OnLine offers the ability for personal checking and savings accounts to transfer money between checking and savings accounts owned by you at other financial institutions.|
|Bill Payment Fees||Online bill payment service is free for consumers.||BB&T OnLine Bill Payment is free for all clients.|
|Maximum Bill Payment Amounts||Payments may not be less than $0.01 or greater than $99,999.99.||Maximum amount is $100,000 per bill payment transaction.|
|Bill Payment Processing Dates||A Pay Date is chosen, not a withdrawal date. For immediate, one-time bill payments, the Pay Date is not always the withdrawal date.||BB&T allows you to choose the date that your payment will be processed and sent to the payee, the Send On Date. For electronic payments, money is held from your account on the Send On Date and the payment is received by the payee two business days later. Funds for paper check bill payments are not withdrawn until the date the check clears your account.
The Delivery Date is automatically calculated when you enter your Send On Date. The Delivery Date is the date your payee will receive your payment.
|Withdrawal Dates for Payments Scheduled on Weekends and Holidays||BankAtlantic’s Online Bill Payment will not allow you to schedule a future payment on a weekend or holiday, and will suggest the next business day as the Pay Date.
If a recurring payment falls on a weekend or holiday, the Pay Date for your payment will be automatically moved back as necessary to ensure your payment arrives to your payee in the stated delivery timeframe.
|BB&T OnLine Bill Payment will not allow you to schedule a future payment on a weekend or holiday, and will suggest the next business day as the Send On Date.
If a recurring payment falls on a weekend or holiday, the Send On Date for your payment will be automatically moved back as necessary to ensure your payment arrives to your payee in the stated delivery timeframe.
|Bill Pay/Transfer Cut-Off Times||BankAtlantic’s Online Bill Payment cutoff time is 10 p.m. ET.
Transfer cutoff time is 11 p.m. ET.
|BB&T OnLine Bill Payment cutoff time is 7 p.m. ET.
Transfer cutoff time is 9 p.m. ET for internal transfers.
|Bill Payment Overdraft Fee||Overdraft fees apply to bill payments that cause Nonsufficient Funds/Overdraft items (NSF/OD).||If a bill payment transaction causes/results in a Nonsufficient funds/Overdraft, then an overdraft fee is assessed.|
|Personal Financial Management Software||Transaction history information can be exported from BankAtlantic Online Banking into Quicken® and QuickBooks®.||Download your banking transaction history, pay bills and make transfers with Quicken and QuickBooks for a monthly fee.|
|Customer Service Availability||Customer Service is available from 8 a.m. to 7 p.m. ET, Monday through Friday; 8:30 a.m. – 4 p.m. ET Saturdays; and 12 p.m. – 4 p.m. ET on Sundays||
BB&T Online Banking Support is available from 6 a.m. to midnight, ET, seven days a week, excluding Christmas Day.
For clients outside the United States: 252-360-5132.
BankAtlantic Online Banking, offers email alerts relating to your account balance, transactions, due dates, maturity dates and profile changes.
BB&T Alerts allow you to receive email and text message notification of your account balances, transactions, statement availability, profile changes and much more.
Anyone enrolled with BankAtlantic’s Online Banking can access their account information using Mobile Banking. With your cell phone or mobile device, you can:
*Only available using Mobile Web
Mobile Banking offers the following options to access your accounts:
With BB&T Mobile, anyone with a BB&T online banking account can access eligible accounts from a cell phone or mobile device. You can check account balances, review recent account activity, pay bills and transfer money between accounts 24/7. You can even deposit checks using our smartphone app.
You have several options for getting help with BB&T OnLine.
BB&T OnLine Help:
BB&T OnLine Banking Support:
Client Service Email
You may view the BB&T OnLine Banking Agreement and Initial Disclosures for both personal and business clients at any time. These are also available from the Customer Service page within online banking for future reference.
BB&T Alerts allow anyone with a BB&T online banking account to receive information on account balances and transactions. With BB&T Alerts, you set up alerts to notify you when select activity occurs on your accounts. You can choose to have your alerts sent to your email and/or mobile device. Visit the BB&T Alerts product page for a complete list of available alerts and additional information.
To enroll in BB&T Alerts, please follow these steps:
Verify your mobile number and/or email address:
Mobile banking service allows anyone with a BB&T online banking account to access their eligible accounts from a cell phone or mobile device. You can check account balances, review recent account activity, pay bills and transfer money between accounts 24/7.
Mobile banking offers three ways to access your accounts:
Visit the BB&T Mobile product page for details and guided demos.
A welcome message confirming your mobile banking enrollment will be sent to your mobile device. You are now ready to begin using BB&T Mobile.
BB&T provides Direct Connect support for newest version and two versions back for Quicken and QuickBooks desktop software.
Direct Connect offers you an easy, automatic transfer of your financial data:
A new Quicken and QuickBooks data file will need to be created following the conversion to BB&T: