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!!
My husband and I have been with BOA for several years. Our branch was purchased by another bank that started off on the wrong foot. So, we decided to move our banking relationship to BB&T. The sign-up online was very easy and straight forward. We opted to go into one of the many branches near our home to make our opening deposit. We were greeted as soon as we walked through the door. They were friendly and professional. The young lady who waited on us was well-trained and efficient. After looking at all the negative reviews, we came home (a 3 minute trip) and immediately checked our account online and the deposits were right and available. I went to order our checks online, but where it was a new account, we had to call the branch. The young lady, again, was pleasant, polite, and more than willing to help us. She took our check order and gave me the price of the checks.
Now, I see a lot of bad reviews because someone didn't pay their mortgage for 4 months and were sent to foreclosure and people and their overdrafts. If people would use a little common sense, they would know that if you don't pay your mortgage, you lose your house and if you make purchases on your debit card and write checks and don't have the funds to cover it, you will be charged a fee. Don't do something stupid and then complain when you get charged a fee or lose your home. All the fees I saw are perfectly reasonable and should serve as a deterrent from bouncing checks and making purchases without the funds to cover them.
My husband and I are your average middle class couple with three kids in college. So, we aren't rich by any means. So, the theory that BB&T caters to rich people doesn't hold water. The median income in our area is $32,000/year (we make more than that) and BB&T has most of the banking business for people in our area. We were treated like the most important customers they had waited on all day. So, I think this is going to be a pleasant banking experience.
This bank is horrible. Today will be my last day using this bank. I made a $20 cash deposit on Tuesday. They held my CASH deposit until Wednesday night and then ran a check for $10 check Wednesday night before posting my deposit. Which of course caused a NFS fee of $36. When I called the customer service line and got Amy she said and I quote: "Too bad. That is our policy and I can't help you."