Homeowner Payments Through Association Services
BB&T Association Services is committed to providing convenient payment options for you. Go green and save time with electronic payment options.
Pay now online
To make a one-time payment today, use our BB&T Online Payment System (opens in a new tab).
Your homeowners association must be enrolled in our online payment service. (If your association isn't enrolled, you'll receive a pop-up message when you enter your payment information.)
Your online payment options:
- Pay by debit or credit card with your Visa®, MasterCard®, American Express® or Discover card. A convenience fee of 2.95% of the transaction amount is charged for payments made online by any credit card and some debit cards issued by a non-US financial institution. A flat $4.95 convenience fee is charged per transaction for payments made online by debit cards issued by a US financial institution. The convenience fee will be disclosed after card information is entered and before payment is submitted.
- Pay by eCheck with a one-time electronic funds transfer by ACH debit from your checking or savings account from any US financial institution. No convenience fee is charged for payments made by eCheck.
Pay automatically with Association Pay (ACH)
With BB&T Association Pay (ACH), you can have recurring payments debited directly from your checking or savings account held at any US financial institution.
Here’s how to get started:
- Enroll online in BB&T Association Pay (ACH) (opens in a new tab). Your homeowners association must be enrolled in our Online Payment System. (If your association isn't enrolled, you'll receive a pop-up message when you enter your payment information.)
- Enroll by mail or fax by completing the Association Pay enrollment form in your coupon book or billing statement, or following the instructions in this generic enrollment form (PDF).
Pay with bill pay
Save time and money by scheduling your association payment through your bank's bill pay service or other online payment bill pay processor. Please refer to your Association Services coupon book or statement for important instructions on using an online bill pay service.
Ensure your online bill pay setup reflects the following:
Payee Name: Association Name
Payee Address: PO Box 628207, Orlando, FL 32862-8207
Payee Phone: 888-722-6669
Account Number: On each scheduled payment, use the bill pay account number that appears on your association payment coupon. Do not add any other letters, numbers or identifying words in the account number area.
When are online bill payments received?
In most instances, payments are not received on the same day that funds are debited from your account. Depending upon the method of payment and delivery used by your bill pay provider, payments may take up to 5 business days or more to be posted to your association's account. When using a bill pay service, it's advisable to schedule payments for a date well in advance of the due date.
Pay at a BB&T branch
We have more than 2,100 branches to serve you. Take your Association Services coupon along with your payment to any BB&T location near you.
Need help finding us? Locate the nearest BB&T branch.
Pay by mail
Mail your payment with coupon to:
PO Box 628207
Orlando, FL 32862-8207
- Do not mail cash.
- You must include an Association Services coupon with every payment.
- Make checks payable to the legal name of your homeowners association.
- Write your Bill Pay Number (located on your payment coupon) on your check.
- Write "US Funds" on Canadian checks that are to be processed in US funds.
Please Note: Non-payment correspondence received by BB&T at this address may be destroyed. BB&T has no responsibility to forward any non-payment correspondence to your homeowners association. Please mail separately all non-payment correspondence to your property management company or homeowners association.
Find out if refinancing may make sense for you.
3 reasons to refinance
Refinancing your mortgage can be a smart move, but it's not for everyone. Consider rates, options and your plans before deciding.
Keep costs in mind
Refinancing comes with associated costs, and sometimes a lower interest rate can end up costing you more in the long run.
Reasons to consider
Consider the following as you decide whether to refinance your mortgage:
1. Interest Rates
- Compare your existing rate with what's being offered today. Then calculate your projected savings from refinancing. As a rule of thumb, if you can lower your annual percentage rate by more than 1%, it's worth thinking about refinancing.
- The larger the amount you owe, the more you'll save, because interest is a percentage of the total. For example, 1% of $500,000 would create more of a financial impact on you than 1% of $100,000, especially over the course of many years.
2. Better Mortgage Options
- Consider which type of mortgage would give you a better deal as compared with your current situation.
- For example, if you have an adjustable-rate mortgage (ARM) and your interest rate is about to rise, it may be to your advantage to refinance to a fixed-rate mortgage. With a fixed-rate mortgage, your monthly rate is predictable, because even if market interest rates rise, your mortgage remains the same for the life of your loan.
3. Your Plans
- The length of your mortgage term depends on your situation. Would you rather pay less in interest and pay the mortgage off more quickly? If so, a 15-year term might be for you. You'll have a higher monthly payment, but you'll pay less overall. With a 30-year mortgage, you'll have a lower monthly payment and more available cash each month, but you'll pay more overall than with a 15-year mortgage.
- Either way, your long-term financial plans should guide your decision. If refinancing is part of your short-term plan, you'll at least want to keep that mortgage long enough to cover your closing costs.
Enjoy a variety of checking account options to fit your needs.
Investment account access
Take advantage of our online investing services, which give you access to your discount brokerage accounts, retirement savings and online trust management.
Unlock the power of your home's equity to pay for everything from home renovations and vehicle purchases to college expenses and debt consolidation.