There's a fee for everything. They started charging me $10 a month because I didn't have $1000 in my account constantly. They charged me $2 for calling customer service! You can't do anything on BBT.com except look at your balance and transfer funds between BBT accounts. Everything else that you want to do - e.g. add an external account to transfer funds - they make you download a form and mail it in. It's absolutely ridiculous and their customer service is not helpful at all.
I tried to close my checking account and they made me wait for it to get to a $0 balance - understandable. The next day I got charged $10 for having a low balance, which made it ping my overdraft and pull $100 from my credit card - $12.50 fee for that transaction. So then I had to transfer money again to get it back to $0 balance. After finally doing that, I called in to cancel the account. They said it was done. I checked back a couple days later and my account was still open because they charged me $2 for calling customer service - which caused my overdraft to ping again! Another $12.50 fee and $100 out of my credit card. I called back pretty ticked so they gave me my $14.50 back and closed the account. Terrible, terrible experience and I still haven't been able to add an external account to pay my credit card bill online. I'm done with this!
As a 20-something with student loans and living on a budget, I can't afford to use BB&T. Each month, I'm being charged a $10.00 "maintenance fee," $4.95 for a "plus fee," $5.00 for simply having a savings account, on top of the countless fees I have encountered while with BB&T (ex. I once overdrew my account while in school on 3 transactions less than $5 each, resulting in almost $100 in fees which they would not even consider reducing for a poor college student). I finally decided to cancel my account, so I called the 1-800 # listed online. After going through the menu options over and over, I had to choose the option to open a new account in order to talk to a a real person. The lady I spoke with didn't tell me she was charging me $2.00 to transfer money into my savings (which I thought I had zero-ed out, but was charged $5 anyway so it was negative $4.99), so after I moved my balance in checking to a new bank, I was left with a negative balance of $0.07. I called back again, & after having to speak with Mgmt, they refunded the $2 but told me I better transfer the remaining $1.93 into my new bank by today or else I would be charged all of my monthly fees, leaving me with overdraft fees on top of those. So frustrating! I'll be ready to finally be done with this bank soon.
I have several accounts with this bank, including vehicle, home mortgage and investment loans, as well as checking and savings accounts. Everyone was extremely professional, courteous, and made me feel that they wanted my business. My previous bank (of 12 years) seemed like they wanted me to jump through hoops to get anything. So I switched to BB&T for everything and I have not been disappointed.