BB&T Small Business Online

BB&T Small Business Online® offers mobile-friendly design and simple navigation so you can manage your accounts, pay bills, view online statements, transfer funds and more—wherever you are. We'll even keep you up to date on account activity with alerts by text or email.

Business Services

As a small business owner, you can take advantage of a variety of business services that save time and simplify your day.

  • Use ACH & Wire services to set up same-day domestic and international wire transfers, next-day ACH payments for direct deposit, federal tax payments, business-to-business and business-to-consumer payments.
  • Add additional users with customized account and transaction-level access.
  • Sync your BB&T account information with Intuit® Quicken® or Intuit QuickBooks®

Banking online is mobile friendly and offers a great experience on any device—smartphone, tablet or computer.

See the Fee Schedule for more details.

BB&T is committed to protecting your personal information and financial data. We guard your online accounts with:

  • 128-bit encryption technology
  • Multiple firewalls to shield the network
  • Logon security measures with automatic logoff due to inactivity

QuickBooks Financial Management Software

Combining Small Business Online with QuickBooks lets you know where your business stands financially, helps you make better business decisions and keeps you prepared for tax time.

BB&T clients can save now on QuickBooks Pro.

QuickBooks offers customized versions to help you manage your finances.

  • QuickBooks Premier Edition
  • QuickBooks Pro Edition
  • QuickBooks Enterprise Solutions

Find out more about QuickBooks.

Getting Started

What is small business online banking?

Small business online banking is our secure banking service for businesses, offering Payments & Transfers, online statements, alerts on your account activity and balances and much more. Small business online banking also offers business services including ACH & Wire and Multiple User Access.

How do I enroll in small business online banking?

Look for the Enroll Now button at the top of this page. You will need a BB&T business account to enroll in small business online banking. If you do not have an account, you can enroll online or visit your local BB&T financial center.

Is online banking secure?

Yes. Our top priority is to ensure the security of your personal and financial information online. Details are available on the Security Central section of our website.

What devices can access online banking?

You can access online banking with your smartphone, tablet or computer, as long as your device has Internet access. Online banking will automatically adjust to fit the screen size of any device.

Account Details

Which of my accounts can I view online?

You can view the following accounts with online banking:

  • Checking
  • Money Market
  • Savings
  • Credit Card
  • Line of Credit (LOC)
  • Mortgage
  • Personal Loans
  • Certificate of Deposit (CD)
  • Non-brokerage Individual Retirement Account (IRA)
  • Auto, Business and Consumer Loans
  • Prepaid Cards (MyLink and Ready Access)
  • Health Savings Account (HSA)

If I have both business and personal accounts with BB&T, can I view them together?

Yes. You can add your personal accounts to your business accounts and view them together. You can also combine multiple business entities/TINs. To combine account views, contact your local BB&T financial center for assistance.

Will new accounts be automatically added to my online banking profile?

Yes, new accounts will be automatically added to your online banking profile. If you do not wish to view the new account online, please contact online banking support through your Secure Message Center in online banking or call 888-BBT-ONLINE (888-228-6654) for assistance.

Customer Service

What happens if I forget or want to change my user ID or password?

If you forget your user ID, call online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.

If you forget your password, you can reset it online by clicking the Forgot your password? link beside the Password field on the online banking logon page. You will need to have your ATM or debit card, PIN, ZIP code and your user ID available to reset your password. You may also call online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.

If you want to change your user ID or password, click Edit My Profile in the Customer Service menu and click Change User ID.

As a security precaution, it is a good idea to refresh your user ID and password annually.

What are the terms and conditions of online banking?

How can I contact BB&T with a question regarding online issues?

For questions regarding online issues, you can send a secure message through online banking. You can also contact online banking support at 888-BBT-ONLINE (888-228-6654), Monday through Saturday from 6 am to midnight ET for assistance.

How can I contact BB&T for account information?

For questions regarding account information, you can contact customer service at 800-BANK-BBT (800-226-5228). Our automated phone service is available 24/7. Associates are available to assist you from 6 am until midnight ET.

I've noticed some suspicious activity in my account. Who do I call?

If you suspect fraudulent activity on your account, contact the fraud department immediately at 800-226-5228. For questions regarding activity in your account, contact online banking support at 888-BBT-ONLINE (888-228-6654), Monday through Saturday from 6 am to midnight ET for assistance.

Secure Message Center

What is the Secure Message Center?

The Secure Message Center is an online banking feature that allows you to ask questions and receive information about your BB&T account. It is available for all BB&T account holders.

What makes the messages secure?

Messages that are sent and received through the Secure Message Center are secure because the messages never leave the BB&T servers. The messages are sent and viewed within your online banking account, so the only way to send and receive the messages is to log on to online banking.

Alerts

What are alerts?

Alerts enable anyone with an online banking account to receive information on account balances and transactions. Set alerts on the account activities most important to you. You can receive alerts by email or text message and in either English or Spanish. Alerts can be added, modified or deleted at any time.

What alerts are available?

General Alerts

AlertNotification Delivery
Alert
Daily Balance
Notification

Account balance on a daily basis.

Delivery

Daily

Alert
Weekly Balance
Notification

Account balance once a week.

Delivery

Friday

Alert
Low Balance
Notification

Account balance below a predefined minimum balance. You define a minimum dollar value above $1.

Delivery

Daily & Real-time

Alert
Zero/Negative Balance
Notification

Account balance is at zero or a negative amount.

Delivery

Daily & Real-time

Alert
Debit/Withdrawal Threshold
Notification

A debit or withdrawal posted in your account greater than the predefined maximum. You define a maximum dollar value above $1.

Delivery

Daily & Real-time

Alert
Deposit Threshold
Notification

A deposit greater than the predefined minimum posted in your account. You may define a minimum dollar value of $1 or greater.

Delivery

Daily

Alert
Checks Cleared
Notification

All checks that cleared in your account the previous day.

Delivery

Daily

Alert
Returned Item/Overdraft Fee
Notification

A returned item or overdraft fee is charged to your account.

Delivery

Daily

Alert
Deposit Correction Notice
Notification

A deposit correction has been applied to your account.

Delivery

Daily

Alert
Online Statement Notification
Notification

A statement in online banking is available for viewing. An online statement alert can be requested for checking, savings, credit card, direct retail lending (DRL) and sales finance statements.

Delivery

Daily

Alert
Online Banking Profile Changed
Notification

A change is made to your online banking profile.

Delivery

Real-time

Alert
Secure Message
Notification

A new message is posted to your inbox in the online banking Secure Message Center.

Delivery

Real-time

Alert
First Bill Payment Scheduled
Notification

Your first online bill payment is scheduled.

Delivery

Real-time

Alert
Recipient Alert
Notification

A recipient has been added, changed or deleted in Payments & Transfers.

Delivery

Real-time

Alert
Bill Payment Scheduled for Recipient
Notification

A bill payment has been scheduled for a recipient. You select the recipients for which you would like to receive alerts.

Delivery

Real-time

Alert
Scheduled Bill Payment Failed to Process
Notification

All scheduled payments that failed to process on your account the previous day.

Delivery

Daily

Alert
Repeating Bill Payment Expiring
Notification

There is only one remaining payment scheduled for a repeating bill payment.

Delivery

Real-time

Credit Card Alerts

AlertNotificationDelivery
Alert
Credit Card Payment Due
Notification

A credit card payment is due. The alert includes the card's current balance, minimum payment due and the payment due date.

Delivery

Monthly

Alert
Credit Card Payment Posted
Notification

All payments posted to your credit card account the previous day.

Delivery

Daily

Alert
Single Transaction Exceeded
Notification

A credit card transaction is posted in your account greater than the predefined maximum. You may define a maximum dollar value above $1.

Delivery

Daily

Alert
Current Balance Approaching Credit Limit
Notification

Your credit card balance approaches a predefined minimum balance. You may define a minimum dollar value above $1.

Delivery

Daily

SBO Alerts

AlertNotificationDelivery
Alert
Administrator Added
Notification

A new administrator is added to your account.

Delivery

Real-time

Alert
New User Added
Notification

A new user is added to your account.

Delivery

Real-time

Alert
Business Services Purchased
Notification

A Business service is purchased. Notification sent on ACH & Wire or Multiple User Access.

Delivery

Real-time

Alert
Wire Transfer Status
Notification

The status of your wire transfer. There are five notification statuses: requested, changed, successful, rejected and returned.

Delivery

Real-time

Alert
ACH Payment Status
Notification

The status of your ACH payment. There are three notification statuses: requested, changed and returned.

Delivery

Real-time

Alert
ACH Insufficient Funds
Notification

Your funding account has insufficient funds to process an ACH payment.

Delivery

Real-time

Alert
Wire Transfer Insufficient Funds
Notification

Your funding account has insufficient funds to process a wire transfer.

Delivery

Real-time

When are my alerts delivered?

Daily Alert Notification Schedule

Account transaction occurs on:Alert will be sent the morning of:
Account transaction occurs on:

Monday

Alert will be sent the morning of:

Tuesday

Account transaction occurs on:

Tuesday

Alert will be sent the morning of:

Wednesday

Account transaction occurs on:

Wednesday

Alert will be sent the morning of:

Thursday

Account transaction occurs on:

Thursday

Alert will be sent the morning of:

Friday

Account transaction occurs on:

Friday

Alert will be sent the morning of:

Saturday

Account transaction occurs on:
Saturday or Sunday
Alert will be sent the morning of:

Tuesday

Account transaction occurs on:
Holiday (any day of the week)
Alert will be sent the morning of:

Second business day following the holiday

Are alerts secure?

BB&T is very concerned about the safety and privacy of your information and committed to security. The alerts service uses advanced encryption technology to prevent unauthorized access to your personal information. In addition, BB&T will never share your full account numbers, Personal Identification Number (PIN), email address, user ID or password in an alert message.

Are there fees associated with alerts?

BB&T does not charge you a fee to use or access our alerts service. Messages and data rates may apply from your mobile provider. Check your text message/data plan and contact your mobile provider with any questions regarding your plan.

Making Payments

Can I make a payment online?

Making a payment online is automatically included with online banking. You may use the bill payment service through online banking, Quicken and QuickBooks. If you use Quicken or QuickBooks, fees may apply.

Your bill payments will be sent to the recipients you designate, either as a paper check or an electronic funds transfer. All bill payments made are covered by our Online Bill Payment Guarantee.

When do the funds for a payment leave my checking account?

BB&T uses two bill payment types: electronic and paper check. For recipients who do not accept electronic payments, a paper check will be sent by US Mail and the funds are withdrawn from your account after the recipient deposits the check.

For electronic payments, funds are held on the Send On date and withdrawn on the Deliver By date, which is within two business days for recipients who accept electronic payments.

For paper check payments, the paper check will be sent by US Mail and the funds are withdrawn from your account after the recipient deposits the check.

If there is not enough money in your account on the Send On date, BB&T will cancel the payment. You will not incur an NSF fee, but your bill will not be paid. You will need to reschedule your payment when you have adequate funds available in your account.

How far in advance can I make a payment?

Payments can be scheduled for up to one year in advance.

How large can a payment amount be?

Payments can be made in any amount up to $100,000.

Is there a limit to how many payments I can schedule during a single month?

No, there is no limit.

Does BB&T use a third party to process payments?

BB&T partners with a third-party provider to process and deliver payments. All support and claims issues are handled by BB&T. All claims and any client service issues should be directed to our online banking support at 888-BBT-ONLINE (888-228-6654). Online banking support hours are 6 am to midnight ET, seven days a week excluding Christmas Day, December 25.

Can I schedule a repeating payment or transfer?

Yes, you can schedule a repeating payment or transfer by selecting a frequency after you select the recipient and account while making a payment or transferring money. Transfers cannot be scheduled to occur on weekends or bank holidays. A repeating transfer is scheduled for one of those days will be moved to the following business day.

How do I know what type of payment method to use?

If you have a recipient who does not need to receive payment for two to five business days, you can make a bill payment or schedule a future dated ACH payment and wire transfer.

For next-day payments, you can use ACH payments and wire transfer. Many businesses also use ACH for payroll direct deposit. Before you use ACH, you must subscribe. Once you subscribe to the service, there is a two-day wait period until you can use the service.

If you are making an international payment electronically, you will need to use the wire transfer service. Before you use a wire transfer, you must subscribe to the service. Once you subscribe to the service, there is a two-day wait period until you can use the service. If you are not subscribed to this service, please visit your local financial center to make a one-time wire transfer.

ACH payments and wire transfers can be scheduled for a date in the future. Money will not be sent until the date you specify and will arrive at the payment speed selected.

How much does it cost to use the ACH & Wire service?

ACH payments and wire transfers both have a monthly service fee and a fee for each payment sent. See fee schedule.

Who can receive payments?

A recipient can be any company, agency, organization or individual with an address that includes a valid US Postal Service ZIP code, including APO/FPO (military) addresses.

How much bill payment history can I view online?

You can view all bill payments processed in the last 24 months. For access to bill payment information older than 24 months, please call online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.

Transferring Money

Can I transfer funds to and from another financial institution?

Yes, you can transfer funds between certain BB&T accounts and your eligible accounts at another financial institution from Payments & Transfers, using our Outside Transfer Service. Fees may apply, and this feature is not available to all BB&T clients.

How far in advance can I make a transfer?

Transfers can be scheduled for up to one year in advance.

After I transfer money to an account at another bank, when will the funds be credited to that account?

The funds should be credited to that account within three business days. If you qualify for Next-Business-Day service, you can transfer the funds using expedited delivery. The transfer cut-off time for both services is 7 pm ET.

What types of BB&T accounts can I transfer funds to and from?

You can make transfers to and from a wide range of BB&T accounts, but certain restrictions do apply.

BB&T Account TypeTransfer FromTransfer To
BB&T Account Type
Checking
Transfer From

Yes

Transfer To

Yes

BB&T Account Type
Savings
Transfer From

Yes

Transfer To

Yes

BB&T Account Type
Line of Credit
Transfer From

Yes

Transfer To

Yes

BB&T Account Type
Business Credit Card
Transfer From

No

Transfer To

Yes

BB&T Account Type
MoneyAccount®
Transfer From

Yes

Transfer To

Yes

BB&T Account Type
Consumer Loan
Transfer From

No

Transfer To

Yes

BB&T Account Type
Business Loan
Transfer From

No

Transfer To

Yes

BB&T Account Type
Add-on CD
Transfer From

No

Transfer To

Yes

BB&T Account Type
Payroll Card
Transfer From

Yes

Transfer To

No

BB&T Account Type
Government Benefits Card
Transfer From

Yes

Transfer To

No

BB&T Account Type
BB&T CollegeWealth 529 Savings
Transfer From

No

Transfer To

Yes

BB&T Account Type
Health Savings Account (HSA)
Transfer From

Yes

Transfer To

Yes

How much money can I transfer at one time?

For transfers between your BB&T accounts, you may transfer up to $1 million in a single transfer, unless you are limited by the account type.

See the chart below for transfer limits between BB&T and another bank.

ServiceTransactionDailyMonthly
Service
Standard Three-Business-Day Outbound
Transaction

$5,000

Daily

$5,000

Monthly

$12,500

Service
Standard Three-Business-Day Inbound
Transaction

$5,000

Daily

$5,000

Monthly

$12,500

Service
Next-Business-Day Outbound1
Transaction

$5,000

Daily

$5,000

Monthly

$12,500

Service
Next-Business-Day Inbound1
Transaction

$5,000

Daily

$5,000

Monthly

$12,500

How much transfer history can I view online?

You can view all transfers that have been processed in the last 36 months for personal and business checking and savings accounts, and in the last 24 months for any other account. For access to transfer information older than this, please call online banking support at 888-BBT-ONLINE (888-228-6654) for assistance.

Accounting Software

Does BB&T support accounting software integration other than Quicken or QuickBooks?

We support the Direct Connect and Web Connect services that allow you to access your online banking information using any accounting software. If you choose to use Direct Connect, the accounting software needs to be Open Financial Exchange (OFX) data-stream compatible. Please check with your accounting software vendor to determine compatibility.

Additionally, BB&T supports exports of CSV files, which may then be imported into your accounting software.

How can I use Quicken or QuickBooks with online banking?

You can access your information from online banking through Quicken or QuickBooks using the Direct Connect or Web Connect services.

Direct Connect

  • Send and receive account data automatically
  • Get account balances, pay bills and transfer money
  • Monthly service fee

Web Connect

  • Manual transfer of account data
  • Specify a single account and date range for each download
  • No monthly fee

What versions of Quicken and QuickBooks can I use with online banking?

Online banking supports the current version and the two previous versions of Quicken Windows and Quicken Mac, and the current version and the previous two versions of QuickBooks Windows and QuickBooks Mac. To view the systems requirements, visit Quicken or QuickBooks.

Note: A monthly service fee is assessed to access your financial data through the Direct Connect service. There is no fee for Web Connect.

Does BB&T supply me with a copy of accounting software?

No. However, BB&T clients may purchase Quicken or QuickBooks directly from Intuit at a discounted rate.

What types of accounts can I access through the Direct Connect and Web Connect services and how much transaction history is available?

You may access the following types of accounts:

  • Checking
  • Savings
  • Money Market
  • Personal Credit Card
  • Line of Credit (LOC)

Up to 14 months of transaction history is available through the Direct Connect and Web Connect services.

What do I need to set up my accounts in my accounting software?

To use online banking with your accounting software, you must have Internet access and an online banking user ID and password.

At this time, only the account owner can connect to the Direct Connect and Web Connect services.

Making ACH Payments & Wire Transfers

What is an ACH payment?

An ACH payment is a payment made through the Automated Clearing House (ACH), a secure, electronic network for financial transactions in the United States. With ACH payments, you can enjoy faster delivery than online bill payment with a service that is less expensive than making wire transfers. ACH payments include direct deposit payroll, federal taxes, business-to-consumer and business-to-business transactions. There is a fee to subscribe to this service.

What is a wire transfer?

A wire transfer is an electronic payment service for transferring funds (for example, through the Federal Reserve Wire Network). There is a fee to subscribe to the ACH & Wire service.

What information do I need to send an ACH payment or wire transfer?

ACH payments and wire transfers require you to have additional information about the recipient's account. Depending on the type of payment, you may need the recipient's ABA routing number, Swift BIC number, account number, street address and/or intermediary bank information.

How large can an ACH payment or wire transfer amount be?

You can send a maximum ACH payment or wire transfer of $75,000.

Is there a limit to how many ACH Payments or wire transfers I can schedule during a single month?

No, but you cannot send more than $75,000 during a period of three consecutive business days.

When I make an ACH payment or wire transfer, when does the money leave my account?

For same-day wire, a hold is placed on the funds, which become unavailable to you as soon as you submit the wire.

For ACH payments, including direct deposit, a hold is placed on the funds, which become unavailable to you the day before the payment date. For instance, if Friday is payday, and you set up the payment on Monday, the funds will be held on Thursday.

How do I use ACH payments to make a federal tax payment?

To send federal tax payments, you must first enroll with the US Department of Treasury at eftps.com. When you enroll, select the payment type that allows your financial institution to initiate your transaction.

How long does it take to set up the ACH & Wire service?

The subscription process for ACH & Wire may take up to two business days. A valid phone number is required to send ACH payments and wire transfers.

How do I cancel my ACH & Wire service?

To cancel the service, please call online support at 888-BBT-ONLINE (888-228-6654).

Multiple User Access

Can I give other people, such as an office manager or bookkeeper, access to my business accounts?

Yes. Small business online banking allows you to provide customized account access for additional users for one monthly fee for the service. You must subscribe to the Multiple User Access service prior to adding the users.

With Multiple User Access you can give your employees and other users the ability to make bill payments, wire transfers or ACH payments. They can also transfer money and use many other features available in small business online banking. For your protection, you can also limit each user's access, including what accounts they can see and which activities they can perform.

Online Statements

What is an online statement?

An online statement is an electronic PDF file of your monthly account statement that can be viewed in online banking. You can save and print your statement. For legal purposes, a printed version of an online statement is the same as a paper statement mailed through the US Mail.

What are the advantages of receiving my statement online instead of through the mail?

Security:

  • Online statements are secure. They are provided to you through the secure BB&T banking platform.
  • Online statements reduce the risk of identity theft and fraud by eliminating paper copies.

Convenience:

  • Online statements are available for viewing at your convenience within hours after they are produced, much faster than waiting for your paper statements in the mail. You can view and download up to 36 months of statements for personal and business checking and savings accounts, and up to 24 months for any other account.
  • Online statements can be downloaded and saved to a disk, hard drive or portable storage device.
  • Online statements can be printed for your records.

Do I need special software or tools to view my online statements?

Your online statement is a PDF file, which can be opened with Adobe Reader. If you do not have this software, you can download it at no cost from www.adobe.com.

Which accounts are eligible for online statements?

Current eligible accounts for online statements include:

  • BB&T checking accounts
  • BB&T savings accounts
  • Other deposit accounts that are part of your current consolidated statement, including individual statements and consolidated (grouped) statements
  • BB&T home equity loans and lines of credit
  • Any BB&T loan obtained or originated through a dealership (e.g., an auto, boat or RV loan)
  • BB&T personal credit card accounts
  • Mortgage accounts

Please note you are not currently able to view your Smart Money or AMA (Asset Management Account) in your online statement.

How much statement history can I view?

You can view and download up to 36 months of statements for personal and business checking and savings accounts, and up to 24 months for any other account.

Can I be notified when my statement is available online?

You can sign up to receive an email or text alert that will notify you when your online statement is available. Statement alerts are available for checking, savings, credit card and other accounts.

Online Banking

About our secure logon Online Banking Secure Logon Ensuring the security of your personal information online is a top priority for us. We encrypt both your User ID and password using Secure Sockets Layer (SSL) technology — the highest level of protection available online. SSL converts sensitive information transmitted between your computer’s browser and BB&T into secure code that can not be read by unauthorized parties. Close tooltip

New to Online Banking?

Learn More | Enroll Now

Contact Us

Call 888-BBT-ONLINE

(888-228-6654).

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