These are things I have noticed this bank does that would make me stay away from them.
1. When you use your debit card, the charge will go through, yet you can still get an NSF charge. I asked the bank how this is possible, since if I use my debit card that would mean the money is there, otherwise it would refuse it. They said no, it can still accept charges! This is absurd! It is just one way for them to get you with an NSF charge.
2. Credit card transactions on your Visa/debit card: if you use your card, the transaction is instant, yet if the company you made the charge at does not send BB&T the paperwork within 24 hours, the bank will put the funds back into your account. Then your balance changes, yet you still do not see why funds are now back in your account, as there is no charge item listing. Finally, when the paper does come in, they will charge it back onto your account. How confusing is this?
3. They will let a check come through on your account if they see your paycheck is coming through by auto deposit, and charge you $32.00 NSF for that check and any other items, as they know you have a paycheck coming in that same night. I have seen this happen on 2 occasions: a check gets processed the same night that they show my auto deposit coming in, yet they say it is not actually there (though my balance shows current available = with check credited minus NSF), so they hit me with NSF charges. My paycheck is there. It is auto deposit, so it is not like a check where it needs 24 hours to clear. The auto deposit is cleared. Plus, why allow the check to come in, charge me the NSF on that 1 item, and let the others come through? This to me is just looking for ways to take money from the customer.
Look for a small bank or credit union. This bank will try to eat you up in NSF charges, and it is not as if I had bounced a check many times to get hit with a 32 dollar charge. The first time I got hit with an NSF was for a debit that took me over my limit (how that can happen I have no idea), and they hit me with 32 dollars. Usually a first time NSF charge is 15 dollars, and if you are a repeat offender it goes up from there.
A 32 dollar NSF is just absurd, especially when it should not be there in the first place. I have seen where that debit charge took me over by 4 dollars, and bam, a 32 dollar NSF charge. Is this a bank that cares about its customers? This is a bank that is looking to hit you with NSF charges any time it can.
Debit charges should never put your account in NSF, because the debit should be taken out at the moment you use it, and if the money is not there you should not be allowed to use it.
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