Okay, I have banked with BB&T for about a year now. I seem to get an overdraft fee or non-sufficient funds fee for anything. Today was the last straw!
On Monday, November 17th after 2pm, I realized that a direct deposit had not shown up in my available balance. I called my local branch to find out more information. I explained I was concerned since I had several checks to go through. I rushed home and deposited a small check from my part-time job into the ATM to get the $100.00 applied to my balance. I did not get the 100.00. I was worried the entire night. I called Phone 24 and the branch and asked if certain checks or debits had attempted to post. I was told no, and that I had time before 2pm to deposit money in my account to cover anything that was outstanding. I had a certified check deposited into my account for $2000.00 before 2pm. There was not a hold. I got a courtesy $100.00.
The next morning I found out I was charged $175.00 in overdraft fees and $70.00 in NSF fees! I was so angry! I printed out from my online banking where it showed the $2000.00 was credited on November 18th. I was informed only 100.00 was applied to my account since certified checks that are not from BB&T are treated like checks and not considered cash. I asked why the funds were not verified if there were issues regarding certified checks. I was in the bank for 1 1/2 hours and basically was told I would not get my fees back.
It seems their system changes to suit how many fees they can charge you. I had the money in my account that would have covered all my checks, including the ones I was charged NSF fees for. BB&T should be ashamed to call itself a proud member of the community since 1892. I closed my account and moved to Wachovia. Hopefully it will be a little better.
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