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.
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!