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Beware of "The Plus Fee."
Posted by LisaPit on 01/21/2011
A fee for $2.95 recently showed up on my BB&T checking account. I had never been charged that fee before and was not informed that I would be charged it.

I called my bank branch to see what the fee was. I was told "the computers are down" and they couldn't help me. I called another branch. The recorded message informed me that the bank was closed and I should call back during their working hours from 9 A.M. to 4 P.M. It was 9:20 A.M. I called a 3rd branch, where the teller informed me that the fee was for "the Plus Program, that used to be free, but now some customers were getting charged for it." I told her I never signed up for the Plus Program, I didn't want it, and I was never informed I would be charged a fee for it. She said I had to come into the bank to sort out the problem. I work during banking hours and have no time to go to the bank for this kind of nonsense. I asked to speak to a manager.

Sat on hold for 22 minutes. Finally got a manager who said that "lots of people are complaining about that fee -- there must have been a system error." Of course BB&T isn't doing anything about the "error" unless you call and complain. The manager said she would take the charge off my account, but she "couldn't be sure" if I would be charged it again.

Time to change banks. Monitor your accounts closely for new fees -- apparently if you don't catch the bank's errors, they will slap fees on your account.
     
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Posted by tnchuck100 on 2011-01-21:
Good for you keeping close tabs on your finances. So many fail to do so.

If they do not fix this in ONE shot it will be time to move on.
Posted by Anonymous on 2011-01-21:
Banks are getting worse and worse with these "fees" ever since the overdraft protection law was passed......they will do anyhting to make a buck.....my partner uses BB&T, Ill be sure to let him know about this fee.
Posted by Ellie on 2013-08-22:
$2.95? Heck, I just got hit with a $3.95 Plus fee! I also never signed up, and the rewards are for travel and golf, neither of which I do. I'll be heading to my branch this morning to get it fixed!
Posted by Sara on 2013-08-23:
I just got this too and it is $4.95 and I too never signed anything for this. One of the reasons i will NOT go paperless because I feel they will e-mail you things that will make you "sign up for things" with out you knowing by omission. I will be calling soon or going in. They should know better. Also, i recommend calling the better business bureau http://www.bbb.org/ and file a complaint.
Posted by dogman on 2013-08-26:
I just found a "The Plus Fee" entry for 4.95, and I intend to call my branch and ask wtf is the reason for this fee -- I never asked for, or signed up for, any such program.
Posted by Houndie on 2013-08-29:
My Plus Fee was 4.95. I am calling to see if I can get it removed. I have four accts and only one rec'vd this fee.
Posted by missy on 2013-08-29:
I also got charged 4.95 fee and never signed up for this. I will be going to the bank asap. They give us no interest and now want to charge crazy fees.
Posted by Anna on 2013-09-03:
I just got hit with $4.95! They have tons of my money in investments and savings and I have my mortgage, BB and T Visa, and my home equity loan with them.They won't even cash college refunds made out to my son because he doesn't have an account there, not even against my account. They know changing banks takes at least 60 days to get all the direct deposits switched over and is a real pain for most who work during banking hours. The gall!
Posted by GaPeach on 2013-09-07:
I too just got hit with the $4.95 fee. I called and they said I would have to go into my local bank to get it reversed. Why, when I did not sign up for anything?! If they charge it to my account again, I am closing it!
Posted by DaddyO on 2013-09-13:
Same song and dance here, $4.95 fee. Since when can you be opted in without your permission??? Am going in today to have a SERIOUS talk with them!!!
Posted by Eddybob on 2013-09-15:
Same here ... an unexpected $4.95 "The Plus Fee." Not a happy surprise!
Posted by Julie in N.C. on 2013-09-17:
$3.95 "The Plus Fee" was charged on my account a couple of days ago. I was going to investigate, thinking my balance didn't stay at $500 or above (I've been paying bills, people!) for the month. Now I know I need to put on my battle gear and go into BB and T. Thanks!
Posted by Wendy on 2013-09-20:
I just found the same charge on my account but only for $3.95. I will be calling in the morning....looks like I might be changing banks since they don't want to inform anyone of any new charges.
Posted by dogman on 2013-09-22:
BB and T immediately refunded the 4.95 when I asked about it but I still closed my account, which cost them the use of my $3000/mo direct deposit. I wonder if they think 4.95 is worth losing customer satisfaction.
Posted by Jess on 2013-09-25:
Just saw a fee for $3.95 apparently they thought I needed the plus fee when I didn't even sign up for it. Looks like I'm going to close my account and go somewhere else. The nerve of them to take my money without my permission.
Posted by Venesa on 2013-10-11:
I've been with BB and T for years, but recently they've changed alot about how and when to charge. Two months ago I was hit with $7.50 - inactive account fee. I let it go, I haven't moved my savings around in a while. Lesson learned. This month I was hit with an $8 fee (on top of the $3.95 plus fee) because they raised the ACH deposit minimum from $100 to $500. So now that's $12 this month for an account that has less than 15 transactions. What irritates me is that they made these changes without notifying me, and have made an extra $20 for doing the same stuff. ($20 x # of customers = $$BANK$$) Anyone know of a bank that is not trying to drain a client dry?
Posted by JulieB on 2013-10-29:
Apparently everyone is getting hit with this. Plus, when I received something in the mail regarding the Plus 'benefits', I followed their instructions on cancelling online. I received another 4.95 charge the next month, and called them. They said the account was cancelled, but it was my responsibility to cancel it with the actual bank. I'm going to complain directly to bank services regarding this, as I have multiple accounts with them. But make sure that even if you cancel, you have to call the bank to stop the charges.
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BB&T Ripping Off Customers!
Posted by Devil dog on 03/12/2008
SPRING HILL, FLORIDA -- BB&T has been systematically ripping off its customers by posting debits first, then posting credits or deposit.

This is in stark contradiction to the policies banks, in general, have had in regard to this situation.

Traditionally, banks would post deposits and credits first, usually at 12:00 midnight, then, they would post any debits or withdrawals, summarily preventing unnecessary overdraft charges.

However, in an effort, it seems, to pad their profit margin, they are posting debits first, then posting credits. This new policy, in essence, increases the amount of fees that they collect, as, a lot, if not most people in the lower and middle class have a lower balance when it gets close to payday, or, when we get a windfall and our checking account balance is low, we expect that our deposit will hit the account before any debits.

Also, my wife has her check direct deposited. She is a school teacher. The checks go into the accounts on Thursday. They do not post until after 6:00 A.M. on Friday, again, allowing for fees to be assessed for any debits posted at 12:00 midnight.

It's clear that the banks have instituted this policy to glean more fees from the working class, while leaving the upper class and the well-heeled, virtually untouched.

This practice is an outrage, and if the federal government and state banking regulators won't do anything about it, we the the people, should start taking grass roots measures to rectify this problem.
     
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Posted by devil dog on 2008-03-12:
The manager of the Spring Hill, Florida branch of BB&T that I deal with on a regular basis has agreed to refund the fees they charged me. However, this does in no way alleviate the responsibility of BB&T, and other banks as well, to change their practices which have been enacted to the detriment of their customers.

BE WELL!!
Posted by Suusan B. on 2008-03-12:
All financial institutions post transactions in the order they are conducted and/or received. Therefore, it is the account holder's responsibility to maintain an accurate check register and not authorize debits if the funds are not already in the account to cover the expenditure. The days of spending money and then running to the bank to make a quick deposit to cover it are over. Also, I have direct deposit - - the funds are deposited in my account on Thursday but not available until Friday. The bottom line is that banks are in the business of making money, therefore are looking for any way to charge a fee and it is your responsibility to ensure they don't have a reason.
Posted by Anonymous on 2008-03-12:
Many banks purposely sequence all transactions received on a given day in such a manner as to garner the greatest amount of fees regardless of the order they were conducted and/or received.


http://articles.moneycentral.msn.com/Banking/BetterBanking/WhenBanksTurnEvil.aspx
Posted by madconsumer on 2008-03-12:
why is it the banks fault for posting transactions in order of receipt??

if people would keep better checks and balances this would never happen.

one day, people will learn to live within their means, and stop crying over bank charges when it's their own fault.
Posted by Suusan B. on 2008-03-12:
My point exactly, madcomsumer - - it shouldn't matter what order banks post transactions - - you either have the money in your account at the time debits are authorized by the account holder or you don't - - and if you don't, the bank is perfectly within their right to charge overdraft fees.
Posted by Anonymous on 2008-03-12:
"All financial institutions post transactions in the order they are conducted and/or received." -- I agree mostly with your philosophy but none the less your statement was incorrect.
Posted by tnchuck100 on 2008-03-12:
Stew, you are so right on this one. Susan, the statement "All financial institutions post transactions in the order they are conducted and/or received." is absolutely not true. About the only institutions they post in that manner today are credit unions. As Stew said, most banks post in whatever order will produce the most fees.
Posted by Suusan B. on 2008-03-12:
Even if I'm wrong in my statement that "financial institutions post transactions in the order they are conducted and/or received", it shouldn't make any difference if the customer is not, at any point in time, spending more than they have available in their account. It is true that banks are looking for opportunities to charge fees and it's the customer's responsiblity not to give them any.
Posted by CrazyRedHead on 2008-03-12:
Sorry to burst you bubble bud, but most banks do this in order to gather as many fees as possible. The bank may have refunded your fees but if you continue to handle this account in this manner, the the overdraft fees are going to happen again and they are probably not going to get refunded. If you keep adequate available funds in your account then it shouldn't matter in which order they come in. Don't spend what you don't have and you won't have to worry about this.
Posted by Anonymous on 2008-03-12:
The plain and simple answer is that it doesn't matter what order that anything gets posted in, if you aren't writing checks before the funds are available. Most people don't realize that writing a check (or using a card) when the funds are not already available in the account is against the law. If they chose to, a bank could prosecute someone for doing this.
If you choose to play the float game, and most of us do, you have to expect to get these kinds of results. We may be smart, but the banks have many people who are smarter, and if you play the game, you will ultimately lose.
Posted by tnchuck100 on 2008-03-12:
For those who insist on saying the order doesn't matter...it does! Consider this:

Customer using his transaction register:
Starting balance: $100
9:00 AM deposit: $200
Balance: $300
10:00 AM debit transaction: $150
Ending balance: $150

Bank reconciles at midnight, debits first:
Starting balance: $100
Debits: $150
Balance: -$50
NSF fee: $30
Balance: -$80
Deposits: $200
Ending balance: $120
Posted by thensider on 2008-03-12:
Chuck, you have a good point, except that most banks will tell you that a deposit before X time will be posted that business day, not THAT second, so it could still be a problem.
Posted by tnchuck100 on 2008-03-12:
I intentionally used 9:00 AM in my example as that would be before any banks 'X time'. Which all are some time after noon.
Posted by Anonymous on 2008-03-13:
I think what tnchuck100 is not stating is what form the deposit is made in. If the deposit is in the form of a check, then only the first $100 of the deposit is available to draw against on the next business day after posting. If the deposit is in the form of cash then it should be available to draw against the day it posts.

So it depends upon in what form the deposit was made in as well as what time.

There is also a difference between available balance and account balance.

So again if the funds are available, posting order does not matter.
Posted by tnchuck100 on 2008-03-13:
Robf, I all ready covered the time issue. Posting order DOES matter!

I intentionally used a $100 deposit in my example because it would be available in any form.

OK, next excuse!
Posted by tnchuck100 on 2008-03-13:
Correction: I ALLOWED for the first $100 dollars. The deposit was $200. But allowing for the first $100 availability rule there would have been no overdraft.
Posted by Anonymous on 2008-03-24:
That's why debit cards are pushed by banks. Instead of using the float from a credit card, which can give you up to 20-40 days to pay the bills, a debit card takes the money from your account immediately.
Posted by b@nkerdude on 2008-05-16:
Posting order would not matter if you didn't use the money until the deposit cleared. I know it seems silly but with the amount of fraud in the world today, banks have to hold deposits longer than they used to.
Posted by stainedapron on 2008-07-13:
just wondering how many of you actually work for a bank??? since you all seem to know the policies and procedures so well, i'm assuming that this is inside knowledge and not opinion or a web link "discovered" that just happens to back that opinion...
Posted by jktshff1 on 2008-07-13:
staine...a person does not have to be an employee of a bank or anything else to have sense enough to read and understand the policies (or ask questions) of that particular business.
The majority of the posters (mostly old timers here)have been around long enough to understand and seen enough of the same complaints, that it is your responsibility to do just that.
Posted by b@nkerdude on 2008-07-16:
Well I obviously work for a bank. ;-) But remember, I am also a customer, and I only try to see it from their side as well.
Posted by Muneca34d on 2008-10-02:
I was charged $525 in overdraft fees just last week. I admit that I didn't have enough funds in my checking account to cover the transactions that I made, but I had more than enough in my savings account, which is linked to my checking account for overdraft protection. Maybe you experienced bankers on this forum can explain why I incurred overdraft fees. Banks do not care about their customers. They only care about how they can make more money off of their customers. I'm starting to think that it's better to keep your money under your mattress. I hate banks!
Posted by Muneca34d on 2008-10-02:
Posted by JF :( on 2009-02-08:
Muneca34d your situation cannot be resolved on here. We have to have all of the facts. 1) has your line of credit been properly maintained? If your account goes 60 days past due or more your account will be closed bank policy. 2) are you over your credit limit with your line of credit? If so, it will have a soft block. 3) Has your line of credit been properly linked and combined to your checking account? If not, you need to contact the bank because it may be bank error. 4) did your checking account lack a deposit for 60 days or more? If so it was manditory to delink and uncombine the line of credit from your checking account.

Posted by mark6147 on 2009-04-12:
BBT Posting:
I had the exact same thing happen to me, probably the same day you posted. I was charged $140 in overdraft fees. Funny thing is I had about 4 items in my Pending Transactions list. I also have a $200 draft that comes out. They paid themselves first, then this threw me into overdraft, so I had to pay fees on the other items. They got their money plus $140. I have questioned it several times, but i keep getting someone who talks in circles and say just forget it. Now I had money transfered into my account from another BBT account. When I transfer it myself I see it being done. Now I am told it won't post until tonight at midnight. Once again, causing me overdrafts...No damn wonder their stock hasn't dropped any, they are making it up on OverDraft fees that aren't ligit! Can't change banks, they are all probably the same and its too much trouble. Just like cell phone carriers..They have us over a barrel. I plan on writing a letter wanting a full explination of that last transaction when I get a moment. Good Luck Everyone dealing with BBT
Posted by devil dog on 2009-04-13:
Posted by devil dog on 2009-04-13:
Posted by devil dog on 2009-04-13:
tnchuck100, while others might have some understanding, you seem to be the only one with a total understanding of the banking practices. All of the "know it alls" who say"you should keep an adequate balance" are showing that they don't "know it all!!" Plainly and simply, the banks have changed the way they enter information to earn more fees...period!! In fact, we direct deposit, and they don't even post those funds until 7:00am on the day of deposit. So if you have a charge out that will post at midnight, you are still going to get an overdraft fee, because they will not post the direct deposit at midnight. For those of you who think that the "deposit before 2:00" will help you, you are wrong! If you deposit a check before 2:00pm, and you write a check on that check for less than the amount of the check you deposited, and if the bank the person you wrote the check to has electronic debiting, you will be charged an overdraft fee the next day if you don't already have enough in your account to cover the check you wrote. The fact that the check you deposited gives you a surplus does not matter. Once again tnchuck100, you are 100% correct.
Posted by devil dog on 2009-04-13:
Ok, here it is:

Posting Order DOES matter! If I deposit 5 items in my account before 2:00 pm, and they total $1,000.00, and I already have $50.00 in my account, at time of posting I should have $1,050.00. However, if at midnight that night, $1,020.00 in debits come in, I will get an overdraft charge because the bank will post my debits, $1,020.00 before my credits, $1,000.00, so I would have an overdraft of -$970.00, they will tack on a fee of $37.00 which will make my balance before credits -$1007.00, then they will apply my credits of $1,000.00 and I will end up with a -$7.00 balance. However, if they posted the credits first, $1,000.00, my balance would be $1,050.00, then take the debits away, -$1,020.00, my balance would be $30.00. The banks are ripping people off!!!
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Use of debit card and downfalls of it
Posted by Browneyedpixie on 03/30/2007
ROBINSON CREEK, KENTUCKY -- I have used this bank for 4 years and just became aware of the downfalls of a debit card for especially lower income people. They say you can use it as a credit card, but when you make a minor error it can cost you hundreds of dollars that you cannot afford. I actually got to the point I wrote no checks but used the debit card which is unfortunate for me. I forgot to write in a purchase and this caused my acct. to overdraft which is normal, but I did not receive a notice till one day before late fees started and till my acct. was overdrafted and with the fees of a total of $344. I called the bank and talked to Benjie one teller and a friend told me to call back that he would help me try to get some of the fees took care which they do for certain clients. I talked to another teller named Rhonda who told me more about how the debit card system works or in her words anyway. I called the bank back and that is when Benjie got back on the phone and gave me a different version in her words and I told her we needed to talk to first teller because they had me confused. Rhonda got on the phone and was explaining what she said to me when Benjie interrupted and started putting her words into Rhonda's explanation. What Benjie said and what Rhonda said were two different things even though I found out they meant for them to mean the same. The teller Benjie got hateful and said I did not understand. Which I do understand more then most with my BA degree in accounting and office admn. So I did something I should not have an told her she acted like an ass hole treating me the way she did.

So to be honest what this bank and other banks need are one way of explaining their services without it sounding totally different, to stop forgiving fees for those people who have more money then others or more power and treat everyone the same and last and most important the whole banking system needs to have a better way of letting people know that something is wrong with their acct. The online banking, 1-800 number and 5 day call they make when your acct. is in the red is not enough for the lower income bracket which makes up most of their customers. The reason I say this is because I use the 1-800 number and have to pay $2 a call after I think its 2 calls talking to a live representatives and I use the online banking also. As for the special call to let you know your acct. is overdrawn would be a good thing if it happened a day or two after the incident not 5 or more when someone like me ends up with $204 to live on for the month with a teenage daughter. I really feel that the call serves no purpose at all when they call when the $6 a day fee starts for the overdraft.

Am I a special incident unfortunately not. I talked to a friend today and told her what the bank had told me about the debit card and she said she was going to stop using hers as much because of what happened and how it was explained to me. So everybody be aware yes you can use a debit card as a credit card but as for a limit. From what one teller told me there is no limit and the other teller told me there was a limit when you reached the margin of error. What this margin of error is neither teller knew. So be very aware that unfortunately sometimes a person can make a mistake and the business you deal with can not give you a clear answer. Or do more research then I did and be very picky about your banking service and make sure that all the employees give the same and a better explanation on how their systems work.
     
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Posted by grandma005 on 2007-03-30:
If you use online banking how did you not know that your account was over drawn. You can check your bank account as many times in one day as needed. If you use your debit card as a credit card then you have to keep close records because credit charges can show up weeks later. If you have a BA degree in accounting then you should know that.
Posted by Anonymous on 2007-03-30:
I agree with Grandma. (How could anyone disagree with grandma?)
Posted by Anonymous on 2007-03-30:
heh... at risk of disagreeing with Grandma... relying on an online balance is a recipe for disaster. Debit transactions cause a hold on funds, which may be dropped before the actual transaction has hit the account. So, if I do a debit on Monday, and check my funds on Wednesday, have the funds been withdrawn or not? Is the hold in place, or dropped? You have no way of knowing. If you assume that the balance you see is available to you, it's only a short matter of time until you are in trouble.

An online balance should only be used as a tool to verify the running balance you keep in your check register. It was never intended nor designed to be more than that.
Posted by grandma005 on 2007-03-30:
That is why I said that you have to keep close records of your account. She said that she uses her debit card as a credit, which means it can be as long as a month before it actually gets deducted from her account. If she had of been checking online she would of know about overdraft fees the first day instead of making more overdraft fees, she could have done something about it. And yes you still need to keep your own records too because the bank has noway of knowing how many checks you have written that are still out standing. The bank will not do your booking for you.
Posted by Anonymous on 2007-04-02:
Also, read through you account terms and conditions. This way you will never have to rely on what a teller or customer service agent tells you. You will have the banks policies in black and white. Any problems you can refer to the section of the TandC that applies instead of quoting what someone else told you which may or may not be correct.
Posted by rhondam718732 on 2007-04-02:
You missed recording a debit and that overdrafted your account...what's the problem? Banks charge you when you overdraft. ALL banks do. And most that I know of charge a daily overdraft fee too until $ is deposited to cover the negative balance. Why people think that banks should call them or send singing telegrams when they overdraw is beyond me. It's your responsibility to track your finances so YOU don't get burned; why rely on the bank...a bunch of strangers?
Posted by JF :( on 2009-02-08:
I do not understand the problem here?!? Other than the fact you did not properly maintain your check register. Also, if you use the BB&T online banking, you also have the option for mobile alerts, which are prompt, unless your carrier sucks, and you can even get alerts for whatever $ amount you want that you spend. For example: my phone receives an alert anythime $50 or more is debited from my account in any way. I also receive an alert anytime my balance is below $150.00. This way I can avoid NSF fees. You can set those alerts at any amount you would like. The resources are there, but you still have to be responsible. As far as using a debit card as a credit card, that is just how it is deducted from your account. Some places only allow you to use your card as credit. Hence the purpose of your Visa logo. Your limit on your card is also your account balance. Come on now. You can do this!
Posted by Sharon from Scottsboro on 2012-02-14:
I agree with Granma, however you do not need a BA in accounting to understand how your bank deposits and withdraws your money or how long it takes for a transaction to post. All it takes is common sense and basic arithmatic to balance a check book. High school accounting class. Simple as 1,2,3.
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Plus Fee And Fuzzy Math On Pending Charges
Posted by Bmarlin1 on 03/18/2014
HOPKINSVILLE, KENTUCKY -- The plus fee is back and apparently BB&T sent me information on this but I don't look at my paper statements. I do all my banking online and just keep my paper statements in a file cabinet. They told me I could cancel it but I never requested it or signed anything approving it.

This bank also seems to figure out ways to make pending debits priority over credits to increase late fee's. I would not have this issue if I always had plenty of money in my accounts but I don't feel this practice is customer friendly. I have recently moved to a new bank and never been happier. Way too many choices out there to deal with shady companies like BB&T.

Don't even get me started with some of their bank tellers who seem to be just as unhappy with the company.
     
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Customer Service Would Not Help With a Human Error
Posted by Triciamoss74 on 11/16/2013
CHARLOTTE, NORTH CAROLINA -- I just sent out two electronic bills with the wrong date and couldn't change it a minute later. I called customer service to stop the payment from going out but it still caused a 36 fee and BB&T would not reverse the charges. I was left with very little money in my account. Customer service said it was not the banks fault and that I made the error and I would need to deal with the fee.

This bank has the worst customer service I have ever experienced and I will be looking for another bank.
     
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Worst Customer Service Ever - Astoundingly Incompetent
Posted by Michellechahn on 07/19/2012
ALEXANDRIA, VIRGINIA -- I applied for a credit card with BB&T, came in twice to fill out multiple forms, and was told I had been approved and would receive my card in 1 week. A month later, I still hadn't received anything and called the bank's customer service to see what the issue was. They told me to call my bank, which then told me to come talk to one of their representatives in person. To make a long story short, my application had not been processed despite my having received earlier confirmation that everything had gone through. In fact it was "lost" and I was informed that I'd have to go through the whole process again. Thus began another month spent visiting the bank multiple times to resign forms I had already signed, not to mention the countless phone calls and emails made to inquire on the status of my application and make sure everything was moving along. Each week was told that I would receive the card in 1 week but three months later I don't have any card to speak of.

I am astounded by the incompetence of BB&T and plan to switch banks soon, which is unfortunate because I have been a lifelong customer. In the meantime, I have applied for a card with Capitol One, which has already sent me a letter and email welcoming me as a customer and informing me that I will receive my card in less than a week. Thanks CO!

Good riddance. Run away from BB&T.
     
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Posted by Tezrien on 2012-07-19:
You will regret Capitol One. There are two words that could be a better solution for you: Credit Union.
Posted by trmn8r on 2012-07-19:
I agree with Tezrien - I would run from Capital One. That is one of the worst banks out there.

I'm surprised BB&T screwed you around so much. Banks are being very careful about issuing credit, but this process sounds ridiculous.
Posted by tnchuck100 on 2012-07-19:
I agree with both above. It will only be a matter of time until you see the true color of Capitol One.

Your only chance is DO NOT EVER be late. Do not do ANYTHING that will require you to deal with their customer service.

Good luck.
Posted by Anonymous on 2012-07-19:
As a Capitol One account holder for years, I disagree. We've had no problems. I know they just got into some trouble, but we experienced none of the behavior they were engaging in. We pay the card off though, we don't live off credit so maybe thats why we've had good luck.
Posted by Whiteduck on 2012-07-20:
I agree with samanthasmom... I've had Cap One for many years with no problems whatsoever. I also pay mine off every month. I think anytime you keep a balance on a card you're liable to have problems with the bank, no matter what bank it is.
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StarStarStarStarStar
Online Banking Help
Posted by Hvt1998 on 03/20/2012
I had an issue where some payments I made online apparently went to the wrong bank, since I didn't enter all the digits in the account number. I called up and spoke to Vicky with the online banking department and it was all fixed within like 10 minutes. She even faxed me a confirmation and called me right back to confirm. I have never been so pleased with a bank taking my money seriously! Awesome service.
     
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Posted by Alain on 2012-03-22:
It's always a nice surprise to see a compliment about a bank these days!
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Something so simple turned into a war.
Posted by Brokenhearted on 06/22/2011
JAMES ISLAND -- So I have been a loyal BB&T customer for 12 years, and I feel as if I have been betrayed. The countless times I have been let down and disappointed in this bank have left me emotionally distraught.

Today I simply just went to make a deposit in my checking account and the atm was not working properly and took my card in the process. Not allowing me to even insert my check. I Marched into the bank and frantically explained the problem to the ONLY teller that was working on a lunch hour. (Which makes no sence to me) She explained that she was unable to check due to being the only one working the drive thru and the counter. I knew that was a lie because the relationship banker was just finishing up with a client and could have taken over for 10 minutes.

Finally I had a chance to speak with that Relationship Banker and she told me that there was a gentlemen that came in not too long before me and had the same problem. WTF!
     
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Posted by MJGoldfarb on 2011-06-22:
There is a good chance the ATM is serviced by a third party. Therefore the teller, etc probably could not do anything - except perhaps put an out of order sign on the ATM. If I were a teller I would not want anyone else working my drawer - even for a few minutes.
Posted by trmn8r on 2011-06-22:
The teller was able to deposit the check, right?

It is unfortunate that the ATM malfuctioned and swallowed your card. Even more unfortunate that the bank employees seemed to be aware it was happening.
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Dirty Bank Polices
Posted by Littleman66 on 03/20/2011
POLK CITY, FLORIDA -- I went to my bank BB and T on Friday and cashed a check. I hadn't cashed any checks since the following Monday anyway the teller check availability of funds and cashed my check then on Saturday they charged me an overdraft fee on the check I CASHED AT THEIR BANK FOR LACK OF FUNDS.

The money was there on Friday enough to cash the check so how did it disappear on Saturday so that they could charge me an overdraft fee they cheated me out of my money to make a gain.
     
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Posted by Anonymous on 2011-03-20:
This is weird. Are you sure when you cashed the check, that they didnt place a hold on your available funds to cover the check? If you used your debit card and didnt have the available funds to cover any charges, thats where the OD charges came from.
Posted by trmn8r on 2011-03-20:
The check may not have been processed until 11pm or midnight, when all the items on your account were processed for the day. An debit card or ACH may have rolled out prior to this, other checks may have come in after the the one you cashed, and been placed ahead of the one.

You need to contact the bank during the hours that they can help, and get an explanation.
Posted by Anonymous on 2011-03-20:
If you keep a check register you would know exactly how much money you have in your account at all times. When you bank by balance checking, you're bound to make a mistake.
Posted by Nohandle on 2011-03-20:
I've always kept a check register and have never done online banking as many do to check balances. I don't pretend to understand the system but too many folks make a deposit to later discover the deposit was held for x number of days. I guess my point is check register or not it won't do you a lick of good if your deposits aren’t posted for a period of days.
Posted by MotleyCrueGuy on 2011-03-20:
You need to talk with them before posting here. First, did you possibly buy gas on your debit card that day or before? Secondly, did perhaps any automatic debts hit that night?
Posted by Bryan on 2011-06-21:
Could have been any of the above, or a simple bank error. Just ask them, it might be.
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BB&T is RIDICULOUS with overdraft FEES!!
Posted by JGlover on 02/15/2011
When debit transactions HAVE NOT posted to your account yet and are PENDING they charge you overdraft fees. They take all your debits before posting any credits, no matter if you have it deposited before 2pm and even it is IN CASH!! I have banked with BB&T for 13 years and I have been DUMB enough to let them STEAL my money on at least 3 occasions!! I have honestly over drafted before where the 35 dollar fee is necessary, BUT at least 3 TIMES they have charged me numerous fees for using money that was ACTUALLY in my account!! We are talking over 100 dollars in fees!!

PERFECT EXAMPLE I have a posted balance of 251, 145 is posted to my accounted 2/14, 2/14 pending 40 is, 2/15 transaction of 72 hits as pending, the 72 would have over drafted, but I transfer 50 dollars in to cover it before anymore than 145 is posted to my account. DOESN'T MATTER!! Starting with 2/14 transactions I am getting overdraft fees of 35 per transaction, EVEN THOUGH the money is all there!!

I would like to stay with a bank I have been with for years, but unfortunately this being the THIRD TIME I've been SCREWED I will be leaving IMMEDIATELY!! And I will tell EVERYONE I KNOW to no go with BB&T and to LEAVE b/c they will SCREW YOU and steal your money too!! I have had numerous people tell me they post the debits before posting any cash deposit, CASH IS CASH should be posted FIRST THING!!

Their customer services sucks, you talk to a machine for 15minutes before you can get anyone then they can only EVER give you 20% of your fee back if they think it was wrongly charged. Not the entire fee just 20% for using your money!

BB&T CHARGES YOU TO USE YOUR MONEY!!
     
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Posted by Anonymous on 2011-02-15:
Did you opt out of overdraft protection some time last year? You should have recieved a paper stating if you want to OPT IN or OPT OUT of OD protection. Them majority of people opted out because these services offer nothing but headaches to customers. Do yourself a favor, go to your branch and tell them you want to opt out of it.
Posted by azRider on 2011-02-15:
here is a novel idea. don't spend any money with your debt card until you have posted funds in your account. why try to spend it like its a race? deposit the money, wait till it posts, then spend it. simple. if this is to hard to do, then take the cash out when you deposit it, pay for things in cash. I am sure any place you use a debit card will take cash, trust me.
Posted by trmn8r on 2011-02-15:
Most all bank overdraft fees are absurd. What you need to do is figure out what YOU need to change to avoid them. I have been whacked only few times, and it stung badly. I now keep a "cushion" of $200 in my checking account, to accommodate items I forgot about and times when I need to write a check but can't get a deposit in a couple of days ahead of time. Many people will need a larger cushion. For the foreseeable future, you aren't losing much interest by doing this. $500 for a year at 1% is a whopping $5 - great insurance.

Thing is, you'll probably have trouble at your new bank if you have an account with overdraft fees. It would be great to lower the fees that banks charge, but you can save yourself money in the interim by altering your own behavior.
Posted by PepperElf on 2011-02-15:
if you don't like them charging fees to use "your money" then don't give any bank your money.

use cash and money orders only.

granted you'll have to keep track of what you spend since, once you're out you can't overdraft but...

it'll solve the issues, no?
Posted by Anonymous on 2011-02-15:
Or a much better solultion PepperElf is not to do business with these national banks.

I use a community bank. On any given posting day my deposits always post first before anything else.

That would sovle the OP's issues, no?
Posted by madconsumer on 2011-02-15:
i have been with bank of america since 1986. i do not pay any fees, nor do i pay overdraft fees. it is not the banks fault.
Posted by Anonymous on 2011-02-15:
Keep a check register. Don't use more money than you have in your account. Problem solved.

When you try to beat the bank you will lose. Don't even try.
Posted by Anonymous on 2011-02-15:
There are a lot of banks out there that have some very shady practices, like reordering transactions to maximize on fees....but if you have pending transactions that are going to cause you to overdraft, putting in a deposit is not going to fix that problem. You already spent the money, hence the term pending...so putting money in to cover it after the fact, doesn't make it go away. As you have found out.
Posted by Fed Up!! on 2013-07-22:
I banked with a local bank for years and never had one returned check or overdraft fee. I am very meticulous with my account and never like to be close to overdrawn. I opened an account with BB and T and within 2 weeks I had 4 checks bounce in the span of 2 days. I was completely shocked as to how I had miscalculated, so I went into the bank to rectify the situation. It turns out that BB and T did not credit my work direct deposit until after they debited my account. Most banks (if not all other banks) will credit any deposit to your account before debiting checks. BB and T have set up their system to steal fees from their customers to pad their pockets. I had a savings account with them and had set up for any money needed for my checking account to transfer over. They failed to transfer money to my checking and took no responsibility for that mistake. They further informed me that if they had to transfer money in the future there would be a 12 dollar fee. In my dealings with BB and T, I have come away with the belief that their business practices are borderline criminal and I urge anyone reading this to avoid this bank at all costs.
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