BB&T FREE Checking It isn't free for long Loganville Georgia

John, I daresay that you would have had the same negative experience with just about any bank in the area.  You knew that there was a penalty for overdrawing your account, then failed to keep track of your balance causing your account to be overdrawn.  In truth, the bank could have bounced your NSF checks back to the presenters resulting in your having additional fees or possibly even charges.

I've banked with BB&T in Monroe and Loganville since back to the days when they were Main Street Bank.  I've always found them to be friendly, professional and completely above board.  I'm sorry that you had such a bad experience with them but I think anyone reading your complaint can see that you are to blame for the situation not the bank.

When you signed up for the account did your read the disclosure that gave all the fees?  Probably not.  I guess you can chalk this one up as a lesson learned.  *Hint* If you'd spoken to the branch manager without all the attitude you'd probably have gotten a few fees removed.  The days of "Floating Checks" are over.  Did you know writing a check without having funds available in the account is actually a crime? 

And you blame the bank?

i see where your cautious, which is awesome but YOU AND ONLY YOU can spend money you don't have to cause overdraft fees. I do think banks could notify you by faster means than the mail service without online banking. My bf had an inconvenient issue with his bank. He overdrew by a couple cents and the bank sent him notice that he got a week later. So in that week he spent money he didn't have not knowing he didn't have it. Bear in mind, he does not keep a register and I yell at him all the time for it, but in his defense, he's never overdrew before. He does not believe in online banking because he is so scared of identity theft. So his bank took $450 out in nsf fees and he learned his lesson. Now I keep his check register. :-)

i see where your cautious, which is awesome but YOU AND ONLY YOU can spend money you don't have to cause overdraft fees. I do think banks could notify you by faster means than the mail service without online banking. My bf had an inconvenient issue with his bank. He overdrew by a couple cents and the bank sent him notice that he got a week later. So in that week he spent money he didn't have not knowing he didn't have it. Bear in mind, he does not keep a register and I yell at him all the time for it, but in his defense, he's never overdrew before. He does not believe in online banking because he is so scared of identity theft. So his bank took $450 out in nsf fees and he learned his lesson. Now I keep his check register. :-)

i see where your cautious, which is awesome but YOU AND ONLY YOU can spend money you don't have to cause overdraft fees. I do think banks could notify you by faster means than the mail service without online banking. My bf had an inconvenient issue with his bank. He overdrew by a couple cents and the bank sent him notice that he got a week later. So in that week he spent money he didn't have not knowing he didn't have it. Bear in mind, he does not keep a register and I yell at him all the time for it, but in his defense, he's never overdrew before. He does not believe in online banking because he is so scared of identity theft. So his bank took $450 out in nsf fees and he learned his lesson. Now I keep his check register. :-)

i see where your cautious, which is awesome but YOU AND ONLY YOU can spend money you don't have to cause overdraft fees. I do think banks could notify you by faster means than the mail service without online banking. My bf had an inconvenient issue with his bank. He overdrew by a couple cents and the bank sent him notice that he got a week later. So in that week he spent money he didn't have not knowing he didn't have it. Bear in mind, he does not keep a register and I yell at him all the time for it, but in his defense, he's never overdrew before. He does not believe in online banking because he is so scared of identity theft. So his bank took $450 out in nsf fees and he learned his lesson. Now I keep his check register. :-)

The other deal you describe sounds really good to me. Stick with it, especially if you have a cash flow problem or if you simply wish to handle your finances in a relaxed way.

But BB&T is operating in a standard fashion for most banks. Remember (you may have forgotten) that banks are businesses, not charities. Banks provide you with those "free" debit cards for a great reason: sooner or later, your use of your debit card will generate NSF charges, which banks dearly love. This is why I do NOT use a debit card. I never have & I never will.

I wonder what kind of person it takes to charge this kind of fees, knowing that they are "disclosed," but with the hope that their victim will neglect to maintain a balance. I'm sure they are in writing, even though I could not locate the document. I don't recall the lady in new account telling me, "Oh, don't forget: if you don't maintain a balance in your account we will gouge every penny out of your mortal body until you shrivel up like a dried prune. We thrive on holding out on deposits and posting debits, first, so we can so we can suck the life out of everything we touch."

I'll tell you what kind of person does this: a person without a conscience whose sole purpose in life is to "get rich quick" by laying a trap for some unsuspecting soul who entrusted their life savings to a thief disguised as a bank. No one, knowing what I and many others know, would deposit funds into your institution knowing that they will be swindled out of their hard-earned cash (hard-earned=worked for it), given the opportunity. Mark my words: some day --and I don't know when -- but some day you will swindle the wrong person and he won't "let by-gones be by-gones."

She disclosed to you up front where they make their money from yet you didn't investigate any further nor look at the schedule of fees and terms and conditions?

She disclosed to you up front where they make their money from yet you didn't investigate any further nor look at the schedule of fees and terms and conditions?

She disclosed to you up front where they make their money from yet you didn't investigate any further nor look at the schedule of fees and terms and conditions?

She disclosed to you up front where they make their money from yet you didn't investigate any further nor look at the schedule of fees and terms and conditions?