I have been banking with bb&t for less than three years. I have a boat loan, a checking account and a checking reserve line of credit. From the boat loan perspective, they have been ok with the exception of combining the loan into the activities necessary for free checking (as promised). From a checking and checking reserve perspective, they are very costly far beyond bofa that i fired for weird charges. When i switched to bb&t. I just got hit for a transaction that overran the account balance and needed the reserve account funds to process. Money was transferred into the account before the system needed it, but, a "miscellaneous debit" of $39. 09 ht the account for a transfer of $300. 00. On top of this, they charge $35. 00 per month to have the reserve available for the account. This was the last straw for me as not only have i not figured out how and when to expect these weird charges, i paid over $700 to have an account with them in 2012. If you are considering them for a checking account, don't as they have proven to me that they are not trying to be in this business. From a loan perspective, they are ok.
Long story short- DON'T EVEN WASTE YOUR TIME if you are trying to do this. If you do, the process will be long with lost paperwork and slow process of approval. After 6-7 weeks in the process with BB&T I decided to change banks. The new bank gave me a list of what they needed. I worked to get as much as possible to them that night. BEFORE NOON THE NEXT DAY I HAD APPROVAL FOR US AND THE BUILDER!!! We are now only 2 days in and I already have an appointment for the appraiser to see the lot tomorrow. This is further than BB&T was able to get in a 6-7 week period. I wish someone had warned me.
Border line ignorant! If you are having a bad day ask to leave you should never treat your customer like $#!T. After waiting 30 minutes to connect with customer service this idiot N.B. hung up the phone while I was talking. This is only 1 account of 5 that I have with the bank but I can say for sure by noon Monday all of my accounts will be closed!