BB&T Invalid Returned Checks Calhoun Georgia

I have been banking with BB&T for several years. This "new policy" of holding every deposited check just started. When I opened the account they didn't do this. I learned of it when I got notice of the returned checks. The Bank Services Agreement states that they must tell you at the time of deposit that they will hold your deposited check until it clears. This is not for exceptional holds. I have talked to BB&T since my last post and it seems like the more I talk to them the more they change the rules. Now they are trying to tell me that if you make a deposit after cut off date on Friday the deposit will not be available until the next business day which they call Tuesday. The BB&T Bank Service Agreement says that if a deposit is made after the cut off on Friday the funds will be available on the next day they are OPEN. They continue to tell me things are one way when their printed services agreement booklet that they give customers says something else. When I point out how the Bank Services Agreement is different from what they are telling me, they make excuses and still refuse to remove the fees. I am prepared to take them to small claims court not just for the fees but to prove the point that they can't just make rules up as they go along. Their business ethics are ridiculous and shameful. The least they could do if they insist on holding every deposited check to clear, is to hold any overdraft fees until the check has a chance to clear. If it doesn't then apply the fees. Now they will not return my calls. I see no other choice but to take them to court. I refuse to let them steal from me which is exactly what they are doing

Every bank has to have a Funds Availability Policy. They are required to give you a copy when you open the account, and also anytime you request one. It also has to be posted in every branch. The policy dictates how checks will be held, and for how long.

The policy you refer to in your post is for Exceptional Holds, i.e. when they are holding the check for longer than the standard hold. That is the only time they need to notify you, and they have to do it within a business day, but it can be by mail.

From your posting, it doesn't sound like a problem because they held check deposits, it sounds like checks cleared on the same day you made a check deposit.

Many banks are reasonable in as much as if you tell them at time of deposit that you have checks clearing that day, they can flag the account so the checks get paid. If allowed to just run through the system, they will probably be returned as 'uncollected funds' and you get charged.