BB&T force debit Shelby Nationwide

There seems to be quite a bit missing here as a lot of your actions/claims don't make sense.

You are leaving the impression that you only use this savings account as a deposit and you never take any money out.  If this is not the case then you need to explain how you use this savings.  As they did not withdraw an "even" amount, so it is unlikely that this is debit is anything(totally) to do with fees.  They also just won't all of the sudden take a debit out unless this is a case that you didn't have the funds available and they had to wait until you put in your funds to cover your overdraft balance. 

You say, even if we figure you get paid monthly, at $300 over 5 years you should have around $18,000 in your savings if you never use it to make purchases.   Perhaps you don't consistantly put in $300, but still over this time you should have a significant amount of money.  The point being on this is that if they only made $100 available.  Since it is your savings, you never use it to withdraw money, and you have thousands(presumably) in the account.  Having them hold $200 is really a non-issue that doesn't affect you in the least.

You talk about going to the ATM to deposit $300 in cash to "transfer" it to your savings.  But why do you need to do that.  You obviously have Internet, you could go through their on-line banking and just do a transfer from one account to another.  There is no need to withdraw $300 from your checking and then immediatly deposit it into your savings.  If that is in fact what you are doing, that is NOT a transfer.

So what are you leaving out?