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!
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."