Payments & Transfers

The most popular online services from U by BB&T
New to online banking?

With a simple design and clear options, you can easily manage your payments, transfers and recipients at your convenience—from your smartphone, tablet or computer.

Payments

  • Get guaranteed delivery of electronic and paper checks
  • Pay an unlimited number of bills
  • Schedule one-time and recurring payments

Transfers

  • Perform real-time transfers between your BB&T personal accounts
  • Transfer funds between your BB&T accounts and your accounts at other financial institutions with our Outside Transfer Service (Fees may apply)
  • Schedule future transfers, or set up one-time or repeating transfers
  • Review up to 14 months of online transfer history

Benefits

  • Schedule payments and transfers up to 1 year in advance
  • Submit a payment in any amount up to $100,000
  • Make any number of payments or transfers each month—there are no limits
  • Know your money is safe with our secure electronic delivery system
  • Never worry about payment claims—we’ll handle them
  • Get reimbursed for any fees that you incur due to late delivery

Accessibility

Access Payments & Transfers quickly and securely through:

  • Online banking with U by BB&T®
  • Small Business Online® banking
  • Intuit® Quicken®
  • Intuit QuickBooks®

Making payments

Can I make payments online?

Yes. 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?

We use two bill payment types: electronic and paper check. For electronic payments, funds are withdrawn on the Deliver By date and held 2 business days prior.

For paper check payments, and for recipients who don't accept electronic payments, a paper check will be sent by US Mail and the funds are withdrawn from your account after the recipient deposits the check.

How far in advance can I make a payment?

Payments can be scheduled up to 1 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's no limit.

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.

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

Yes. We partner 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, 7 days a week, excluding Christmas Day, December 25.

Transferring money

Can I transfer money 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 up to 1 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 3 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 apply.

BB&T Account Type Transfer From Transfer To
Checking Yes Yes
Savings Yes Yes
Line of Credit Yes Yes
Retail Credit Card Yes Yes
Business Credit Card No Yes
Money Account Yes Yes
Mortgage Loan No Yes
Consumer Loan No Yes
Business Loan No Yes
Add-on CD No Yes
Payroll Card Yes No
Government Benefits Card Yes No
BB&T CollegeWealth 529 Savings No Yes
Health Savings Account (HSA) Yes 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're limited by the account type.

See the chart below for limits to transfers between your accounts at another bank.

 

Service Transaction Daily Monthly
Standard Three-Business-Day Outbound $5,000 $5,000 $12,500
Standard Three-Businss-Day Inbound $5,000 $5,000 $12,500
Next-Business Day Outbound $5,000 $5,000 $12,500
Next-Business Day Inbound $5,000 $5,000 $12,500

Accounting software

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

Yes. 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 CSV file exports, 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 one of the following services:

Direct Connect

  • Download transactions and update account balances automatically
  • Make payments and transfer money between accounts
  • Monthly access fee

Express Web Connect (Quicken only)

  • Download transactions and update account balances automatically
  • No monthly access fee

Web Connect

  • Download transactions manually and import them
  • No monthly access fee

What Quicken and QuickBooks products 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 Desktop Pro, Desktop Premier, and Desktop for Mac. To view the systems requirements, visit Quicken(opens in a new tab) or QuickBooks(opens in a new tab).

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.

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Want to learn more about U by BB&T?

  • 1

    BB&T will reimburse you up to $50 for late payment fees or penalties incurred from a payment made after the delivery date with this service. For more information, see the Online Bill Payment Guarantee.

  • 2

    Not available to all BB&T clients.

  • 3

    Client must qualify for Next-Business-Day Service. Fees may apply.

Only deposit products are FDIC insured.

Loans, lines of credit and credit cards are subject to credit approval.

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