I had a 2 yr arm with Credit Union. Came up for renewal and it went to 4.75% with no option to buy down the rate. I contacted BB&T and refinanced in less than 2 weeks at 2.99% with a cost of $208 fees. Their mortgage representative Lizzie Clapsadl, could not have been any more professional and expedited the entire transaction with extreme ease.
I was so pleased with this transaction, I have told my family members and they are also considering changing their mortgages from the Credit Union.
I am seriously thinking of switching banks. I run several businesses and can't always get to the bank during banking hours. I need to deposit cash, and the ATM's do not accept the cash without the envelope. At Wells Fargo, I can enter the cash in the deposit slip and it will count the cash for me. BBT does not offer this service---which is a HUGE dis-service. The fact that they are not open on Saturdays, is the second issue I have. These are major issues that should be rectified. Wells Fargo is open a half day on Saturdays.......Other than these two major issues, I don't have a problem with BBT. But these two issues will definitely make me change banks.
I enrolled in the overdraft protection and a utility bill came out 4 days before its typical date which would overdrafted my account. BB&T not only ignored my overdraft protection, they said they would not reverse and proceeded to charge 3 more overdraft fees of 36 dollars a piece for items ranging from 2 dollars-5 dollars. I really don't understand how a bank is being allowed to make HUNDREDS OF THOUSANDS by out right stealing from their clients. (former, if they ever allow me to close the account)