I agree with everyone here that BB&T are a bunch of rip off artists! I have only had my account with them about 10 months, and have suffered a loss of approximately $1000 in overdraft charges! And they are extremely UNFORGIVING! Please note, I carry a cash log book and document EVERY transaction made, keep receipts until they clear, and balance my checkbook daily! I can't afford not to, I've got two kids to feed. But I cannot for the life of me calculate my funds correctly to be "in sync" with this darned bank! And I'm tired of trying. I went inside once to have a branch manager try to explain the errors to me and how they post transactions, I was even more confused when I left than when I got there, and I work in a Finance Department! I had a car payment sitting in "Pending status" and they held the funds for it and charged NSF's for debits/checks which were made days before! Why not go ahead and clear those transactions since they got there first? Nooooo, she said they always post the larger transaction first. But it had just been made over the phone! It was in pending for Christ's sake, and I came to the bank to make a deposit to clear everything! That was $350 in NSF's taken from my paycheck direct deposited a couple days later.
Today is the final straw! I made a deposit of about $560 on the 24th BEFORE 1 pm - which they say is when deposits have to be made in order to receive credit for them that day. I mailed my car payment on Monday, they received it Tuesday and cashed it Wednesday. (Just my luck.) BB&T show my account credited the $560 BEFORE the check for the car payment posted on the same day. However, they charged me an NSF for the car payment and two small $20 debits from the day before! That's $105 in NSF charges! This then threw off another check and one $28 debit I had out resulting in another $70 in charges! So today, instead of having about $100 in the bank for groceries and things over the weekend, I'm negative $37. Thanks alot BB&T. My paycheck will be direct deposited on Monday, and this is the last transaction I will make with them. Account closed - case closed!
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