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.
We are new to the area have banked with bb&t in nc for years without incident. This is the second time i have been insulted by a teller that does not know what they are talking about and should not be dealing with peoples money! A customer made a check out to cash for me, for not a lot of money, but what was supposed to be a, convenience for me. I took it to our, well informed teller, and asked nicely to cash it. I was told she could not that only the person that wrote the check could cash it because it was made out to cash! So not wanting to cause a problem for this young woman i said alright just deposit it.
She said she could not do that either because it was made out to cash and only the person that made out the check could use it! At this point i wanted to ask her just " how ignorant she was" but instead lost it for a moment and just said she did not know what she was talking about. Just so you know a check made out to cash is a "bearer paper" which can be cashed by any bearer! It is sometimes done out of convenience or for what ever reason the account holder decides to make it out to cash it is their priority.
It is also the bearers right to cash such check. I believe the people that work in this branch need a lesson in banking laws and regulations. As well as customer relations. I don't normally do this type of thing however, this is the second time someone in this branch didn't have a clue, and it is my money they are handling.
So BBT says "sure you can go online to open a new account. Great' I say. So I go home open the account and take my moms debit card and deposit $100 in my new account and bam! both cards are locked down and im reported for fraud. BUT, I we both wouldn't know this till 9 days later when we finnaly call to see what's going on. then the headaches really start. so there is nothing anyone can do the money has vanished into thin air along with direct deposit. now there's another week delay and still fingers being pointed at each other and the dumb looks of blank stares just keep pouring in.
If BBT doesn't know how to take advantage of todays technology then go back to filing cabinets. So in conclusion this will prolly be taken down and deleted b4 it gets a chance to be spread around on the other fake BBT facebook sites im going send it to. And as a convicted felon this could send me to prison forever as I am not allowed to even sneeze hard in society so so much for trying to get my life straight. Thanks a lot.