RUDE, MEAN AND THIEVES. Yep, thats BB&T. I got laid off and my unemployment check is deposited there every Tuesday. Some weeks I can access it on Tues other weeks Thurs. I deposited 800 dollars on Monday at 2:43 pm with a teller. I had no access to it until Wed. Plus they gave me 105.00 in NSF charges. I was told by an account representative that when you use the ATM machine they immediately give you 100.00 of your deposit. When you use a teller you have to wait til the money clears, makes no sense to me. I wanted to fight this and spoke with a manager and she stated she knows nothing about the 100.00 credit. Seems the right hand and left hand don't know the rules. i have used the 100.00 credit in the past and never been charged a NSF fee. My only hope is that someone who wins the lottery or a large sum of money that has been abused by this bank can waive the check in the mangers face and say had you treated your customers better we would be depositing here with you but we have decided to go elsewhere and by the way I will be letting you stockholders know that you lost millions for 105.00 in nsf fees.

Thanks for letting me get that off my chest and fantasize that it is me being able to that.

BB&T are blood sucking, money grubbing thieves! I switched banks recently because I moved to a different state and my usual bank did not have an office in GA. I regrettably chose BB&T with which to do my banking. As with all the other reviews on this site, they unjustly and unfairly charge numerous overdraft fees. I have had several run ins with them about unfair overdraft fees and some of them have been returned, but only after a two day waiting period to which I was charged again, because the money that was erroneously taken from my account, that should have still been there, was not replaced until two days later, I received yet TWO MORE overdraft fees. Over the last year, they have STOLEN over $300 dollars from me. I suggest if you are looking to open an account here, DON'T! Run away quickly!

I GAVE 1 STAR BECAUSE THERE WAS NO ZER0!!! THE PRESIDENT OF THE BB AND T BANK ALLOWED ME TO CLOSE 3 ACCOUNTS IN LIEU OF WAVING A $35.00 OVER-DRAFT CHARGE AS WELL AS A $7.00 HANDLING CHARGE THEY CHARGE FOR MANUALLY HANDLING, TRANSFERRING THE FUNDS FROM YOU SAVINGS TO YOUR CHECKING. HE COULD NOR WOULD HE EVEN SHOW ME WHERE THE OVERDRAFT CAME FROM, I STILL HAD A POSITIVE BALANCE IN MY CALULATIONS. AND I HAD "OVER DRAFT PROTECTION". OH!!! AND BEWARE IF YOU USE THEIR 24/7 TELEPHONE SERVICE AND FOR ANY REASON SPEAK TO A LIVE PERSON, YOU ARE CHARGED $2.00. THERE ARE TO MANY BANKS OUT THERE THAT NO ONE NEEDS TO BE RIPPED OFF BY THESE CROCKS. NOT A PEOPLE BANK. OH! WELL THEIR LOSS.

Transactions are held, deposits, checks, and debits are rearranged to benefit the bank to be able to charge NSF fees. Deposits are the LAST thing to be credited after rearranging debits from highest to lowest in order to throw the account in the lowest, or negative, balance quicker to assess fees. Then, deposits are made. This policy adversely affects those who may be stretching payroll to payroll during these economic times and are a disgrace. I think the money wasted on banks should have been spent on investigating criminal intent policis. BB&T is nothing short of criminal and frad. I would rate this bank as *0*.

*****The sad thing is that the local advisory boards that the bank courts to help them in the local communities are typically business owners and those elite in our communities and they have no idea who they are representing.*****

IT IS BAD WHEN LEGISLATION IS REQUIRED FOR GREEDY BUSINESS PEOPLE TO DO THE RIGHT THING.

I've just opened a bank account with BBT in april this year.. always had enough money to cover all expenses... these last few days i was running low on cash as i was expecting my last paycheck and i had a car crash and was forced to use my check card, knowing that i was going to be charged overdraft fee (even thou on my other account with wachovia they don't charge you overdraft until the charge is POSTED, not when it's still PENDING). I went back and calculated line by line my balance (since they don't give you your actual balance) and before the last 2 transactions i had 31.56 left and my last 2 transactions totaled 32.77. While they were holding the 32.77 from that afternoon, they posted a transation i had made 5 days before and then the next day posted the last 2 transactions, that way charging me 3 fees instead of the one i was expecting to pay.. and inquirying about how this was happening i was charged the 2$ fee for callng not the 3rd time but the second time (which goes against their fee.. program). I'm just waiting for all transations to post, for my direct deposit to clear so i can cancel it and i'll close my account. This isn't my primary account but the one i have joint with my boyfriend as we're starting to form a new life together, but i'll probably end up putting him on my wachovia account. I'm not fussing about BBT anymore. eventually they'll run out of people to scam and succumb! (and i was wondering why the person that helped me open the account was so nice and always called me to ask me why i wasn't using more the bank account... they're pulling with nails and teeth of anybody they can fool into staying).

You would think that BB&T might check the Internet reviews on their service and take a hint. Not hardly.

I had a terrible experience with BB&T. They waited almost a week to POST A CASH DEPOSIT to my account. In the mean time they racked up about $800.00 worth of NSF Fees on my account. When I called them to ask about this, they said "Sorry, there is nothing we can do, you have to pay the fees." and I paid $2.00 to hear that from them.

I switched to Bank of America, and believe it or not I'm a lot happier! I thought that it was the "Huge Commercial Bank" mentality, that all Large Commercial Banks would rather just eat you up in fees and spit out the bones. But the staff at the local branch that I'm dealing with is GREAT. I've addressed a couple of overdraft fees that I was charged when a stop payment didn't stop a check from clearing and a company got paid twice. Bank of America was more than helpful in refunding my overdraft fees to me.

The GREATEST part about being a Bank of America Customer is, if you DEPOSIT CASH IT CLEARS THE NEXT DAY and is ready for you to spend. I am actually able to avoid overdraft fees with this bank by keeping my ledger balanced. I couldn't even do that with BB&T!

Terrible Bank. They do not care about the clients. All they care about is how much money they can make on NSF fees. The branch staff have no say in the refund process- its all computer automated. Upper Mgmt can make an exception but that never happens. Upper Mgmt. never cares about the clients just the bottom line.

The reviews below with 5 stars must be BB&T employess themselves! I only gave them 1 star because I couldnt give them zero stars. They bend you over and take $35 each time when its actually their fault. I dont understand how I deposit a check(the same check every two weeks that is), my receipt says I have been credited $100 of my deposit, I spend accordingly and you still charge me 3 NSF's. The amount that I am overdraft is $105. How can I be charged 3 NSF at $35 a pop and still be in the negative $105? Wouldnt I be more in the negative if I had really spent to much money? I go to the local branch and they tell me that I will never understand the system that they all go by because they have explained it to me already numerous times...that may be because it just simply doesnt make any damn sense. I call their customer service line 3 times(because the other 2 were rude and didnt "know what to tell you(me)," and they charge me $2! WOW...unreal. The info that the atm gives me is different from their(online rep) info. The days that I use my DEBIT card are different from when they say/post(This lady on the phone actually tried to tell me that I spent $144 dollars on a day when I didnt even leave my house!...hence me calling someone else and receiving a $2 charge) then they say that they wont reimburse me for the NSF charges because it wasnt a bank error...well who's error was it then?...my suggestion is to close your account, get a safe and keep cash!

BB&T like most everyone else has said is a terrible bank. My local branch (Bowling Green, KY) has some of the rudest people that do nothing but talk down to customers. I have reported them to the BBB and recommend everyone else that has issues with them to do the same.

I have to agree with BBT being more theives and crooks than anything else. I hate the fact that my money will be in my account and I can't touch it for two days because it has to "post" when I put 1,000 CASH in there. They also arrange your purchases so that they can obtain an overdraft charge. I can not wait to find another institution. The people in the small offices close to home are friendly but they have to abide by "policy" and Customer Service Reps for online banking are awful to deal with and they charge you two dollars for calling them. Give me a break. They are a rip off and I am contacting the BBB on them -- it may not help but how can you obtain overdraft when you put more than enough CASH in the bank. CASH is immediate. This is crazy. Do not go there, please -- unless you have thousands of dollars to throw away b/c that is ALL you would be doing with this institution.

tralee303