How it works
Enroll with Zelle
- Log into your BB&T online banking or mobile app and select Send Money with Zelle.
- Follow the instructions to enroll with your U.S. mobile or email address. If you already use Zelle with your personal account, be sure to enroll a different U.S. mobile number or email address than you use personally.
Request & receive payments
- Provide your U.S. mobile number or email address to your customer, and let them know you accept payment with Zelle.
- Or, you can send your customer a payment request by selecting Send Money with Zelle, then Request. Enter your customer's U.S. mobile number or email address and the amount they owe you. Review, then hit Request. If your customer isn't enrolled yet, you can only send a request using their email address Disclosure 2 .
- When your customer sends a payment or responds to the payment request with a payment, the money will be sent directly to your BB&T small business bank account—typically in minutes Disclosure 3 .
- Select an eligible business or consumer Disclosure 1 by entering their U.S. mobile number or email address.
- Enter the amount you'd like to send and an optional memo.
- Review, ensure you've entered the correct email address or U.S. mobile number for the recipient, then hit Send.
Tip: Sending money with Zelle® is useful for refunds, supplier payments, payroll and any payment to an eligible consumer or business you trust.
Frequently asked questions
What is Zelle?
Zelle is a fast, safe, and easy way for small businesses to send, request, and receive money directly between eligible bank accounts in the U.S. Disclosure 2 If your customers use Zelle within their mobile banking app, they can send payments directly to your BB&T small business bank account with just your email address or U.S. mobile number. With Zelle, payments typically arrive within minutes Disclosure 3 .
How do I use Zelle with a small business account?
You can send, request, or receive money with Zelle. To get started, sign in to your U by BB&T mobile app or visit BBT.com and select Send Money with Zelle. Enter your email address or U.S. mobile number, receive and verify a one-time verification code, accept terms and conditions, and you’re ready to start sending and receiving with Zelle for your small business.
Who can I send money to with Zelle when I have a small business account?
When you use Zelle with a small business account you can send money to other small businesses that bank with a financial institution that offers Zelle to small businesses. You can also send to consumers that have access to Zelle through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers that are enrolled in the Zelle app.
If the small business or consumer you send money to has already enrolled with Zelle through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
How do I receive payments to my business account?
Once your email address or U.S. mobile number is enrolled with Zelle, simply share it with your customers and ask them to send payments through their own mobile banking app. You will not need to share any of your sensitive account information, and payments sent to your email address or U.S. mobile number will go directly into your account. At this time, you cannot receive payments from or send payments to people enrolled in the Zelle app.
I have a small business bank account. Who can I receive payments from with Zelle?
You can receive payments from consumers using Zelle through their bank’s mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle to small businesses. At this time, you’re not able to receive payments from consumers that are enrolled in the Zelle app.
How long does it take to receive payments with Zelle?
Once you’re enrolled with Zelle, money you receive is typically available within minutes.
Additional frequently asked questions
How do I request a payment from my customers?
Sign in to your U by BB&T mobile app or visit BBT.com and select Send Money with Zelle > Request Money. Enter your customer’s email address or U.S. mobile number and choose Request. If your customer is not already enrolled with Zelle, you must send your request to their email address.
How do I tell my customers that they can pay me with Zelle?
There are a few ways you can encourage your customers to pay you with Zelle.
- Tell customers verbally that you accept payments with Zelle, and that they can easily send you money right from their banking app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®."
- Use Zelle to request money Disclosure 4 from your customers. Zelle will notify them of your payment request.
Please note: You’ll only be able to receive payments from people using Zelle through their financial institution’s mobile banking app. You won't be able to receive payments from people enrolled in the Zelle app.
Does Zelle or BB&T offer purchase protection?
Neither Zelle nor BB&T offers a protection program for any authorized payments made by Zelle. For example, an instance in which you don't receive the item you paid for—or the item is not as described or as you expected.
Are there any fees to use Zelle with a small business account at BB&T?
There is not a fee to send money with Zelle from your enrolled BB&T business account. However, Zelle payments to your business account will be charged a 1.0% fee by BB&T.
I want to use Zelle to send and receive money with friends with my personal bank account, as well as to receive payments for my small business from my business account. Are there any differences in the experience?
Whether you use Zelle with a business account or a personal account, Zelle uses the same network to initiate payments to small businesses and people. People who are already enrolled with Zelle through their mobile banking app don’t need to do anything different to send money to a small business—they use the existing Zelle experience they already know and trust within their bank’s mobile app. However, the experience is slightly different for small businesses, Disclosure 2 ?as small businesses cannot currently send payments to or receive payments from people who are enrolled in the Zelle app.?
I already use Zelle through my personal bank account. How do I enroll to use Zelle with my small business bank account?
Sign in to your U by BB&T mobile app or visit BBT.com and select Send Money with Zelle > Settings. To enroll your business with Zelle, you must choose a different U.S. mobile number or email address than the one used for your personal account.
Will Zelle integrate with my small business accounting software?
No, Zelle does not integrate directly with accounting software at this time. However, since Zelle is connected to your bank account, you are able to see all Zelle transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle transactions.?
Who should I call if I have questions or need help?
Can I cancel a payment?
You can cancel a payment only if the small business or person you sent money to hasn’t yet enrolled in Zelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel.”
If you send money to a small business or consumer who is already enrolled with Zelle through their bank or credit union mobile app, the money is deposited directly to their account and cannot be canceled. If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Small businesses cannot receive payments from consumers or small businesses enrolled in the Zelle app. Eligible business accounts to use Zelle are: Business Interest Checking, Business Value 200, Business Money Rate Savings, Community Checking, Community Interest Checking, Business Value 500, Business Value 50, Business Investor’s Deposit Account, Med Advantage Business Checking, Med Advantage Business Interest Checking, Business High Performance Money Market, Commercial Suite and Business Analyzed.
To send money to or receive money from a small business, a consumer must be enrolled with Zelle directly through their bank or credit union. Small businesses are not able to enroll in the Zelle app, and cannot receive payments from consumers enrolled in the Zelle app.
Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.
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