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 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!