Complaint Review: Branch Banking And Trust - Havelock North Carolina

USAA federal savings bank processes all of your deposits first, then takes out any debits. NOT all banks do the things that BB and T does. Get an account with USAA, and you will find out what a GOOD bank really does. They also have customer service reps who actually know what theyre talking about too!

Firstly, it is ignorant to call someone's helpful suggestion as "idiotic". Many people fall prey to fees and services charges because they don't pay attention to the way things are run. Secondly, it is always always always, inaccurate to use online balances. The most accurate balances are at individual teller stations in the branches, and your register (assuming you're keeping one..though since you're having this problem you're clearly not keeping one). Online balances get updated less frequently. Proof processing (processing of teller work, hard posting things to accts) occurs around midnight, everynight except weekends (how would you like to work evening til 2am 7 days a week?) They process credits (deposits, etc) BEFORE debits (checks written, atm withdrawals, payments, etc). After credits, they start debiting with the largest amounts first (as the majority of these are car payments, mortgage, etc), then the smaller amounts. They PROCESS (not manipulate) this way because they'd rather you overdraw over a small transaction versus bouncing your car payment or mortgage check. THATS RIGHT! THEY CARE ABOUT YOU! About your little propaganda speech regarding banks and their HQ's in certain states to avoid laws, etc-> so you're saying that in 1872, when BB&T first got established, they figured that in the next hundred years or so, they could maximize their fees from overdrawn accts & such by establishing the company in NC, where no such laws exist? Interesting logic, my borderline retarded friend. "Believe it or not, many banks have their head quarters in certain states because the banking laws are more lax and accommodate the bank and not the people's best interrests." SO I'm going to assume you believe everything you read on the internet & figure ignorant people such as yourself will do so as well. Hey, do ya watch FOX News as well?? Why that would complete the picture! IN conclusion, start being responsible. Keep a transaction register, inquire about balances and cleared checks (sometimes if you make a payment at another bank with a different bank's check IE transaction between diff. banks, it can take a few days for everything to clear, as it has to be made available first, check is shipped to the Federal Reserve, and then shipped to your bank's processing to be deducted from your acct, all within 1-3 business days!). I'll repeat the other consumer suggestion which you delightfully ignored: First, if the funds aren't in your account, don't spend them. Second, wait for any deposited funds to become available to draw against before spending them. There is a section in your bank's account terms and conditions that explains the availability of funds. Third, don't assume anything. Most people rack up fees by assuming how the bank will process their transactions, having not read any of their account terms and conditions to determine what he bank may actually do. Forth, keep your own account register, do not rely on the online account information, ever. It's common sense. It's YOUR money, learn how to keep track of it.

Thank you for your statement that it is already known that BBandT is stealing from it's customers. Hmmm. Apparently you are as illiterate as you are amoral. FYI, My husband sat with the bank rep for several minutes while she explained 4-5 times that we had $42.00, then we had 140.00 some odd in bounce fees. she couldn't tell us what bounced, and although this happened about 5-7 days ago, we still have not got a bounce statement from the bank. Gee I wonder why. I don't mind paying an occassional fee. I do object to having 3 items outstanding that should not have overdrafted me, causing 20 bounce fees. I am not a novice, I have worked for two banks. I have not had this problem with any other bank with the exception of BofA, and they were not as blatant as BBT. Oddly enough, your idiotic statement was used as verification of the impersonal nature of BBT and their arrogant perception that they can rob people because they feel justified. I showed it to a friend who is starting his own business and he changed his mind about starting the account with your bank. We sponsored him at our Federal Credit Union. Incidentally, the Rep there said she had been robbed by BBT at one point also. Also talked two family members into closing their accounts with BBT. I won't stop until I feel I have cost BBT as much as they have stolen from me. For anyone reading this, please note the attached website so that you can locate your governmental representative about changing bringing attention to the crooked banks manipulating the lack of regulation. http://www.house.gov/writerep/

You would be hard pressed to find a bank that doesn't use these same policies. None of this is new to most people. Here's what you can do to fight back. First, if the funds aren't in your account, don't spend them. Second, wait for any deposited funds to become available to draw against before spending them. There is a section in your bank's account terms and conditions that explains the availability of funds. Third, don't assume anything. Most people rack up fees by assuming how the bank will process their transactions, having not read any of their account terms and conditions to determine what he bank may actually do. Forth, keep your own account register, do not rely on the online account information, ever. I've banked by these rules for over 20 years. Have never paid a fee, ever. Kind of pisses off the bank too since they have never collected a fee off of my free checking account.