We banked at Home Bank before it was taken over by BB&T and never had a problem. At first we did not have any problems with BB&T. Then the trouble started. I have maintained checking accounts at various banks for over 30 years and have never had this much trouble.
The problems started after my husband made a math error that did cause a problem, but it was caught before any checks went through. We corrected the error, made deposits and had no NSFs. After that is when the problems started.
I always keep extra money in the accounts that is not written down in the register, and I keep a close check on our accounts. I am doing weekly checks on the website and looking through all receipts to make sure everything is written down. In our personal account, when I wrote a check, I would round up to the nearest dollar amount, so no worries about small math errors when the cents column is all zeros.
Well, with all this, we have still bounced a check. They did refund the overdraft fee, their mistake, and we have had mysterious $5 fees taken out that the bank has yet to explain. They hold large checks and sometimes post small ones on the same day they were written. In the past month, since our accounts have been low, they have held our auto deductions for almost a week longer and posted all small transactions immediately. I think they were trying to catch us so they could zap us with an NSF. They even started to deduct an auto deduction a week ahead of time, and after I made a deposit it mysteriously disappeared. It would not have caused us to overdraft, but it would have been close.
We have lost over $400 in our business account, and just since November we have mysteriously lost about $80 in our personal account. I have checked and rechecked the numbers, and I can get our account either on the penny or within $1 of the bank statements.
I have told my husband that as soon as possible we are going to switch accounts. Enough is enough; his business account cannot stand losing any more money, and neither can our personal account with this economy and his work situation.
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