I am assuming you paid via online? If so, the energy company will have quickly sent you an email notifying you have submitted payment. As well..when you initially submitted payment, there should have been a page come up with a confirmation and date etc. stating that you have submitted payment.
Now this does nothing if at the time that you paid, the account had insufficient funds...but if it did, the bill is covered and even if the bank made an error, you are not in any trouble or legally subject to any fees since you should have the documentation to prove you paid, and hopefully had sufficient finds at the time.
Your bank actually has a policy for this...
As long as the conditions are met for the Online Bill Payment Guarantee,
BB&T will reimburse you for any late fees or interest penalties.
For payments not received, BB&T will stop the payment and refund
your account until posting information has been received and verified.
You will also receive provisional credit until posting information has
been received and verified.Now as far as the bank charging you $2.00 for speaking to customer service, I have never heard of this charge..and my bank "Chase" would have me rolling on the floor laughing if they tried to charge ME for calling THEM. However, I looked up what I could find regarding your banks policies..and if your report is accurate..you "may" be okay. As according to their terms, as long as the overdraft is less then $5.00, any overdraft fees will be waived. And although I am no mathematician, I certainly can figure out that $2.00 is less then $5.00.
The following is copied and pasted from BB&T website regarding overdraft fees..
Yes, BB&T limits overdraft charges for debit card transactions and
ATM withdrawals to a maximum of four overdraft fees per day. In
addition, if the overdrawn amount in your account is less than $5 at
the end of processing, BB&T will waive any overdraft fees you would
have incurred from debit card transactions and ATM withdrawals.
This is regardless of whether you opted into OD coverage on the debit card or not. This is only general information found under "checking". However, I could not find specific information as to if this overdraft amount max policy applies to anything other then point of sale or ATM transactions with the debit card. This payment to the energy company most likely is an electronic payment which is guided by ACH regulations..so there may be different policies that won't allow you to go over by even a penny without being subjected to a fee...But then again..we would need to determine the way they charge this customer service phone call fee if this is the only charge that has brought the account into the negative...I could only find this...
Will my overdraft protection work with this service? (online banking)..Yes. There will be no change to the account features you currently
enjoy, if you access your account information through BB&T OnLine.
