I have been banking with bb&t for under a year now. I have had a bank account with a small local bank for a while up until moving it to a larger bank so i can have access across state lines for travel. I had opted out of the overdraft, so that if i dont have enough money it will deny me. Well that doesnt mean you will ever get denied at a register apparently. 113.13 later i am livid. I go in to find out why and how, oh its just how bb&t works your transactions.
Also now im looking at 250+ dollars in over draft fees! Wtf! First i opted out to avoid overdrawing my account for this reason. Now i see why the account "specialist" insisted on me getting a debit card even though i told her 4 times i didnt want it. They are terrible people that will drain your account faster than a trophy wife with a good divorce attorney!!!! Not to mention half the people working there give you nasty looks, and treat you with little to no respect. I have not once had a "pleasant" banking experience, but this was the final straw!!
I've been with bbt since 2011 and this is definitely the end of our relationship. If i make a purchase i'd expect it to come out of the account in the order of which i have used my debit card. This is not the case with bbt. I went to the branch to discuss why i was charged 108. 00 in overdraft fees and was explained that the three items for 30. 00 came out of my account when there were no funds. The purchases were on a 15th, i explained to them that at the time i did have funds i use a check registry to keep my balance updated. They informed me that i had an insurance draft that was taken out of my account which occurred on the 17th. I asked why wasn't the overdraft for the one insurance draft instead of three charges that happened 2 days prior.
The only explanation given was that the pending charges come out first, and that i should be more aware of my account standings. What is the point of using an account register if i can take what u want when u want and charge me the fees. By the way when i asked to have two of the fees waived to just pay one i was advised that they can't do waivers but once every 24 months and whether u get one is based on relationship as well as balances maintained. They are not in the business of providing financial success for their patrons.
I have used bb&t exclusively for years, through 3 states. The poor customer service and lack of response at the dunkirk branch was my primary reason for switching to pnc. The staff pays no attention to detail and the manager fails to respond in a timely manner. There are much better choices in the county.