Whether you stop by the branch or try to call, you will receive poor customer service. When visiting the branch, the lines are always ridiculously long and the bank seems completely mismanaged. When calling, they rarely answer their phones during business hours, and when they do, it takes 1-2 minutes worth of ringing before they answer. When I called today to see if a wire hit my account, I was told by a lady named Caridad that they are too busy with customers in the branch to be looking up wires for people! When I told her that I would be filing a complaint with corporate, she said 'go ahead' and when I asked her name, she hung up on me. I had to call back to find out her name from another employee. I have an appointment with the manager of the new PNC Bank in Aventura to open 2 business accounts tomorrow, as I will be leaving BBT for good because of this experience! If you are looking to bank somewhere, do not do it here, unless you want your business to be taken for granted and treated poorly!!
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.
On infrequent occasions, I have written a check that will be for more than the amount that I have held in my account; most recently a check for $25.00. I will agree that this overdraft is my fault; however; BBT's fee response, to me, borders on gouging! If you have an overdraft of only $25.00, you will be charged an "overdraft fee"of $36.00 and a "returned check fee" of another $36.00. So, the $25.00 check along with the fees will cost you $97.00. With this type of fee penalties, no wonder that people have little sympathy for banks. No one likes to be gouged.
And another thought: even if you have exemplary credit, if you are a small business start up, do no expect to get a loan from BBT. Enough said. a word to the wise!