Privacy and Security Central

Your protection is our priority

We're committed to keeping your accounts and personal information safe and secure.

Learn what we do to protect you and how you can help protect yourself.

If you suspect you're a victim of fraud...

Immediately contact your local BB&T branch or call 800-BANK-BBT (800-226-5228). Report suspicious email that uses the BB&T brand by forwarding the email to InternetFraud@BBandT.com.

BB&T is committed to protecting your accounts and personal information from fraudulent activity. If your account or personal information is compromised, we offer free fraud restoration services to help minimize the impact and re-establish your identity.

What accounts are covered for fraud?

  • Personal deposit accounts (checking, savings and money market accounts)
  • Personal credit cards
  • Personal debit cards (check cards)
  • Payroll card accounts
  • Business credit cards

What accounts are NOT covered for fraud?

  • Business or commercial checking accounts
  • Health savings accounts
  • Investment accounts
  • Municipal funds accounts
  • Interest on Lawyer Trust Accounts (IOLTA)

How does BB&T respond to fraudulent activity?

Once you notify us of fraudulent activity, we'll take these steps to limit damages:

  • Notify the credit bureaus to request a fraud alert be placed on your credit file
  • Determine if you've been victimized at any other financial institutions or creditors
  • Alert the Federal Trade Commission (FTC) of confirmed fraud

If you choose NOT to contact us to report fraudulent activity, you'll need to:

  • Contact one of the three major credit reporting agencies immediately to request that a fraud alert be placed in your file, and that no new credit be granted without your approval. You need to call only one of these agencies, as they've agreed to notify each other whenever an individual requests a fraud alert.
  • Notify any other grantors of credit about the fraud and file a police report. If you have documentation of the scam (letters, phone numbers, etc.), keep the originals and make copies to provide to others.
  • Consider reporting the fraud to the FTC at 877-438-4338 (TDD: 202-326-2502).
  • Keep detailed records of all events related to the fraud, including steps you've taken in response. Take note of all names, telephone numbers and dates and times you're in contact with anyone providing assistance.

In any case of fraud, you should always file a police report and keep any related documentation.

What's my liability?

If your password or PIN is compromised, you may be held responsible for unauthorized transactions on your account. Take these steps to limit your liability:

  • Call BB&T within 2 business days to limit your potential loss to $50.
  • Call BB&T within 60 business days to limit your potential loss to $500. 

Be aware that after 60 business days, it's possible that you may not get any of the funds back.

Please note that we'll never contact you to ask for your password or PIN. Protect yourself by never giving your password or PIN to anyone else. Learn more about protecting passwords and PINs.

BB&T is committed to protecting your personal and financial information with the security measures we have in place and by working with the Federal Deposit Insurance Corporation (FDIC) and other federal regulators to prevent fraud and enhance our security practices.

What does BB&T do to protect my security?

We use several proven tools to keep your information safe:

  • User IDs and passwords – User IDs and passwords are required to access our online services. These tools confirm your identity and prevent unauthorized access to your accounts.
  • Data encryption – We use strong encryption tools to protect your information. These measures prevent unauthorized individuals from intercepting and viewing your information while it travels between your computer and our network.
  • Email encryption – We use an email encryption service that allows us to securely send messages and enables you to reply securely.
  • Firewalls and activity logs – We use firewalls to establish a barrier between our network and any outside networks, which allows us to monitor and control incoming and outgoing network traffic. In addition, we regularly review activity logs to identify potential threats.
  • Timeout and lock-out features – A timeout feature automatically terminates each user session after a period of inactivity. After three unsuccessful logon attempts, online account access is locked.
  • Limited requests via email – We don't use email to send private information such as your user ID, password, account number or Social Security number. In addition, we never ask our clients to email us confidential information.

What does the financial industry do to protect my security?

In addition to what BB&T does to protect your information, the FDIC and other regulators help us identify cyber threats and effective countermeasures. They regularly confirm we are compliant with regulations and provide us with risk assessment tools.

In the event of card fraud, federal laws and industry practices limit losses depending on the type of card.

  • Credit cards – Under federal law, your liability for unauthorized use of your credit card is capped at $50. However, if your card number—but not the card—is stolen, you aren't liable for any unauthorized use. Additionally, credit card losses are typically absorbed by the card issuer's zero-liability policies.
  • Debit cards – If you contact us within 2 business days of loss or theft of your card, your maximum liability under federal law is $50. If you notify us after 2 days, you could be liable for more than $50. That's why it's important to check your account activity regularly. If your card number—but not the card—is stolen, you won't be liable for the transaction if you report it within 60 days of your account statement showing the fraudulent transaction.
  • Business debit cards – Businesses are protected separately under the Uniform Commercial Code (UCC), which sets many rules for cardholders to avoid losses from card fraud.
  • Prepaid cards – Prepaid cards typically have money deposited to them and aren't linked to a checking or savings account. Cards that employers use to pay their associates are covered under the same laws governing debit cards. Reloadable cards aren't protected under federal law, but may have similar protections included by the issuer. Prepaid gift cards aren't subject to federal liability regulation. Therefore, if lost or stolen, you'll probably lose the entire value of the card.

Additional information

Learn more about our privacy and security practices.

  •  Email encryption – If you send and receive email that contains personal identification information—like account numbers—be sure you make email encryption a priority.
  • Information sharing – At BB&T, we work to ensure your information is protected, including when we share it within BB&T and with our partners.
  • Mobile security – As smartphones and tablets have increasingly become tools to help manage daily life, they've also become desired targets for cybercriminals. 
  •  Online security measures – BB&T uses advanced Internet security technology to protect our clients' personal information when it's transmitted online.
  • Small business online security – BB&T places the highest priority on protecting your confidential information and systems. 

How can I protect my accounts and personal information?

BB&T works in partnership with you to keep your accounts and information secure. Here are some recommendations for what you can do to protect yourself.

User IDs and passwords

  • Keep your user IDs and passwords secure – It's vital to keep your user IDs and passwords confidential. Don't write them down, never post them near your computer, only share them when necessary with those whom you trust, and never give them out over the phone.
  • Create strong passwords – Create passwords that are difficult for anyone to guess. Try to construct passwords that contain any or all of these characters:
    • At least one upper case and one lower case letter
    • At least one digit
    • At least one special character
    Here are some examples of what not to include in your password:
    • Your name
    • User ID
    • Information easily obtained about you
    • Consecutive keys from the keyboard 
    • Words commonly found in the dictionary
  • Never email confidential information – Unsecured or unencrypted email can be intercepted and viewed by others.
  • Install virus protection – Install antivirus/anti-malware software to prevent viruses from gaining control of your computer and capturing your personal information.

Card security

The inconvenience of having your credit or debit card lost or stolen may pale in comparison to fraudulent activity conducted with the card. If you plan to use a card to conduct financial transactions, be sure to make security a priority.

Learn more about our privacy and security practices for card activities. 

  • ATM security – If you plan to use ATMs as a convenient way to conduct financial transactions, be sure to make electronic banking security a priority.
  • Credit card security – While credit cards can free you from carrying cash, there are some risks associated with them.

Understanding and protecting your credit

By using secure habits for financial activities and monitoring your credit report regularly, you can reduce your risk for fraudulent activity that could damage your credit.

  • Credit reports – One step to ensure that no one has stolen your financial identity or established fraudulent credit in your name is to review your credit report.

Protecting your identity

Minimize your risk for identity theft by knowing the warning signs and learning ways to protect yourself, both online and offline.

  • Document shredding and retention – Protect your personal and confidential information by disposing of sensitive documents in the right way at the right time.
  • Identity theft – Minimize your risk of identity theft by knowing the warning signs and learning ways to protect yourself, both online and offline.
  • Information sharing – At BB&T, we work to ensure your information is protected, including when we share it within BB&T and with our partners.

Online security

Ensuring your online accounts and information are secure is a shared responsibility between you and BB&T. Learn more about how we protect your information, and how you can spot scams, protect your devices, and stay safe online.

  • A cybersecurity guide for financial institution customers (PDF) (opens in a new tab)
  •  Email encryption – If you send and receive email that contains personal identification information—like account numbers—be sure you make email encryption a priority.
  • Fraudulent emails – Stay on guard for fake emails and websites that have been designed to steal your financial information.
  •  Internet activity and electronic data protection – With more financial activity occurring online than ever before, it's essential to know how to reduce the risks to your data.
  • Internet scam protection – A healthy amount of skepticism and common sense can help protect you from investment and money-making scams.
  • Malware – Save time and money and reduce stress by preventing software from being installed on your computer without your knowledge.
  • Mobile security – As smartphones and tablets have increasingly become tools to help manage daily life, they've also become desired targets for cybercriminals.
  • Online information practices – BB&T is committed to full transparency in communicating the ways in which we and our partners use online information, how we protect your privacy, and what your choices are.
  • Online security measures – BB&T uses advanced Internet security technology to protect our clients' personal information when it's transmitted online.
  • Phishing – Protect yourself from scams that could trick you into providing confidential information, and learn what to do if you do get "phished."
  • Protect your business accounts – Learn about how BB&T places the highest priority on protecting your business accounts.
  • Protect your computer – Your electronic devices require increasingly higher levels of security. Education, discretion and vigilance are fundamental.
  • Small business online security – BB&T places the highest priority on protecting your confidential information and systems.
  • Social engineering – Social engineering attacks can be difficult to detect. Learn how to identify this deception and avoid becoming a victim.

Documents and materials security

Follow these recommended practices to protect the personal and confidential information contained in sensitive documents.

  • Document shredding and retention – Protect your personal and confidential information by disposing of sensitive documents in the right way at the right time.
  • Everyday security – It's important to know how to apply everyday security measures—things like ATM security, protecting your mail and having an organized financial system.
  • Protecting your mail – The mail you receive and send includes information that thieves and other scam artists find valuable.
  • Safe deposit boxes – When renting a safe deposit box, consider what size you'll need, who else will have access, and appropriate items to keep in the box.

Get help

If you suspect your accounts or personal information have been compromised, immediately contact your local BB&T branch or call 800-BANK-BBT (800-226-5228).

Information sharing and security practices

We strive to ensure your personal information is protected, including when we share it within BB&T and with our partners. We want you to know how and why we share your information, and what steps we take to protect it.

How we protect your privacy

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. Our Consumer Privacy Notice reaffirms our commitment to safeguarding your information. It tells you the kind of information we collect, who we share it with and how we protect it responsibly.

How we use your online information

We often share information within the BB&T corporate family in an effort to better serve you. Having your information on file enables us and our partners to quickly and easily reference it for many purposes.

Equifax security breach

Learn more about the breach and see how BB&T protects your account information.

Credit card security

Use these tips to help protect your credit card accounts and personal information.

Branch Banking and Trust Company, Member FDIC.