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.
Do not do business with this bank. They tried to reduce 100% verified income by 50%, which is illegal per the FTC under the mortgage discrimination laws (complaint was filed). Then they kept trying to add back in student loans that were consolidated, even after I communicated several times that these loans had been conolidated. There is little to no communications or call backs, the underwriting process is weak and deceptive and seems to rely on illegal practices. They then tried to push me into a high fee point loan which would have required high out of pocket costs after selling me on another product that I would have easily qualified for if they would have underwrote the loan correctly.
If I was you I would never bank at BBT. EVER!!!! I am a 15 year account holder that will be closing my account over a $10.00 fee that they charged and stated that while it was not charged correctly they will not refund it.... Spread the word!!! (Share if you would like!)
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