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.
This bank is horrible. Today will be my last day using this bank. I made a $20 cash deposit on Tuesday. They held my CASH deposit until Wednesday night and then ran a check for $10 check Wednesday night before posting my deposit. Which of course caused a NFS fee of $36. When I called the customer service line and got Amy she said and I quote: "Too bad. That is our policy and I can't help you."
I recently switched from td bank to bb&t bank because i moved and the bb&t branch was closer to my house. Well that was the worst decision i ever made!! I have no idea where they got their slogan of "24 hour banking" from because there not even open on the weekends and their phone customer service is only available during certain hours not 24/7!! So ridiculous and everytime i do call their customer service i wait 20 minutes minimum for a representative to answer the phone. I have also never had a bank hold so much of my deposited check before when i deposit a check they don't even make 1/3 of my check available to me i have to wait 3 business days to get the full amount! When signing up with bb&t i also didn't receive any temporary checks that day or even information about ordering checks. Such a let-down!! Will be switching back to td bank tomorrow morning. So nice they are open on a sunday. Now thats a real convent bank with real quality customer service!