Payments & Transfers

The most popular online services from Small Business Online
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

  • Pay an unlimited number of bills with Bill Pay
  • Get guaranteed delivery of Bill Pay payments for both electronic and paper checks
  • Enjoy faster delivery with ACH payments and wire transfer
  • Save time and money with ACH direct deposit for paying your employees
  • Schedule one-time and recurring payments
  • Review up to 14 months of online transfer history

Transfers

  • Perform real-time transfers between your BB&T personal and business 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
  • Make any number of payments or transfers each month
  • Know your money is safe with our secure electronic delivery system
  • Submit a Bill Pay payment in any amount up to $100,000
  • Never worry about Bill Pay payment claims—we’ll handle them
  • Get reimbursed for any fees that you incur due to Bill Pay late delivery

Accessibility

Access Payments & Transfers quickly and securely through:

  • Small Business Online® banking
  • Quicken®
  • Intuit® QuickBooks

Making payments with BB&T Bill Pay

Can I make a Bill Pay 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 Bill Pay payment leave my checking account?

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 For recipients who don't accept electronic payments, a paper check will be sent by US Mail and the funds are withdrawn from your account after the recipient deposits the check.

For electronic payments, funds are held on the Send On date and withdrawn on the Deliver By date, which is within two business days for recipients who accept electronic payments.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 isn't enough money in your account on the Send On date, BB&T will cancel the payment. You won't incur a non-sufficient funds fee, but your bill won't be paid. You'll need to reschedule your payment when you have adequate funds available in your account.

How far in advance can I make a Bill Pay payment?

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

How large can a Bill Pay payment amount be?

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

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

No, there is no limit.

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

BB&T partners with a third-party provider to process and deliver Bill Pay 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 Bill Pay 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 can't 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 doesn't need to receive payment for 2 to 5 business days, you can use Bill Pay.

For next- or same-day payments, you can use ACH or wire transfer. Many businesses also use ACH for payroll direct deposit.

Before you use can ACH or wire transfer, you must subscribe. Once you subscribe to the service, there's a two-day wait period until you can use the service.

ACH payments and wire transfers can be scheduled for a date in the future and set up as repeating.

How much does it cost to use ACH & Wire transfer?

There is a monthly fee to subscribe and use this faster payment service. Transaction fees also apply. (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 payment history can I view online?

You can view all payments processed in the last 24 months. For access to 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 isn't 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.

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.

For transfers between BB&T and another bank, the limits are: $5,000 per transaction, $5,000 daily and $12,500 monthly. These limits apply for the following services:

  • Standard three-business-day outbound transfers
  • Standard three-business-day inbound transfers
  • Next-business-day outbound transfers
  • Next-business-day inbound transfers

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(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.

Ready to get started?

Online

New to online banking?

In person

Locate a branch.

By phone

Got questions?

800-BANK-BBT

800-226-5228

Still exploring?

Guidelines for Starting a Business

Starting a business can be an exciting venture, and proper planning can help make it a success. Here are some guidelines for starting your own business.

What is Small Business Online?  (Video)

Manage the day-to-day finances for your business anytime, anywhere.

Want to learn more about Small Business Online?

  • 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. Offer may not be combined with any other offer or campaign.

Intuit®, Quicken® and QuickBooks® are registered trademarks of Intuit, Inc. BB&T online banking, which can be accessed through Intuit's Quicken and QuickBooks software, is owned by BB&T, not Intuit.

By clicking any of these related links, you will leave BBT.com to visit a third-party website where the privacy and security policies of BB&T do not apply. BB&T is not responsible for the content, products or services that you may find there.

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