I was also a victim of invalid returned check fees. BB&T will cash your check and give you the money immediately, but when you deposit a check they hold it until it clears. There is only one reason I can see for doing this, and that is to accumulate returned check fees. I have read rebuttals on complaints about BB&T telling people to manage their money better. I keep track of every penny of my money. Sometimes it is very close, but I make sure I have enough money to cover any debits to my account. There are people like me who, for good reason, are living week to week. Believe me, it is not pleasant.
To all of you who have had BB&T charge you invalid returned check fees, get out your Bank Services Agreement booklet. If you do not have one, get them to send you one. Turn to page 23. This is what it says: "If we are not going to make all the funds from a BB&T check deposit available on the same day of your deposit, or, if we are not going to make all of the funds from a non-BB&T check available on the next business day after your deposit, we will notify you at the time of your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next day after you make the deposit." I was not told anything about funds being held or when the funds would be available, and I bet none of you were either.
I called BB&T after finding this in their booklet and explained that I had not been notified. The person I talked to still would not remove the fees, denying their own rules, but said someone else would call me. My deposit was posted the same day as the checks that were returned, but they posted the checks before the deposit. Do not allow them to get away with this. Call them up and show them their own service agreement mentioned above. If they still will not remove the fees, take them to small claims court. They do not have a leg to stand on concerning holding your deposited check if they did not notify you at the time you made the deposit. Good luck!
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