BB&T bought out my local bank, and though they are generally good if you sit on top of them, their service at distance is horrible. I work and live overseas for months out of the year now, and they really do not have a grasp of dealing online or on the phone with customers. They even are charging $2.00 per BB&T Phone Banking that I must use to try and sort my issues. They send you canned, computer generated answers when you e mail them, so calling them is about your only choice. Stay away if you need a responsive bank that knows how to deal with customers who do not live right around the corner...the "Small Town Feel" does not fit customers who want more than a big smile.
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.