BB&T bought out the bank i had my account with, so i just left my account open. at first, everything was fine, all problems solved quickly and politely. then, starting in 2010, i started getting overdraft fees on my account. after waiting 45 minutes to see someone, it was discovered that a business elsewhere was processing their checks through my account. the explaination "data entry operator must have miskeyed" okay, that was fixed. then i got a notice through the mail that the first $100 of deposit available immediately. again, overdraft fees. the explaination "we never got that notice" and i was told "dont spend money you dont have" excuse me!!!!!! and i do have a witness to that little episode. now, i have been told that since i dont keep a minimum balance of $1500 in my account, and i dont have direct deposit i am being charged &10 a month maintenance fee. ( this is one notice i did NOT get in the mail!) also, there is a mysterious $4.oo a month service charge on my account that absolutely no one seems to know anything about! when i called the west virginia attorney generals office they informed my that since the headquarters for BB&T was in north carolina, this state could do nothing about it. they are sending me a complaint form, but i know it is useless. is BB&T trying to run all the small accounts out of their bank? how many people in this day and age can keep a minimum of $1500 in their checking account? if they want only to deal with corporate accounts and millionaires, why offer personal checking accounts at all? well, i guess that maintenance fee adds up to quite a chunk of money, and those overdrafts can pay quite a few salaries. i am ready to go back to cash and money orders!
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!