Complaint Review: BB&T Bank - Myrtle Beach South Carolina

Tonie, your post is full of so much misinformation, it makes me believe you have never dealt with a bank, let alone worked for one. For starters: 1. For more years than I can remember, ALL banks post in the completely opposite order of what you indicate. In other words, checks and debits first, and then deposits and credits. Your account agreement should indicate you gave the bank te right to post transactions in any order they wish. 2. There is not a single bank that provides an accurate on-line assessment of your account balance. WHY? Because they have no idea what you're outstanding checks are. The only value an online balance is for you to (1) identify bank charges you need to account for, and (2) potential fraud on your account. 3. Pending generally means pending. If you worked in a bank, then you know there is an agreement between bank and merchant regarding the debit payment process. Until the merchant verifies your payment as legitimate, your debit transaction IS pending. Having said that, if you have a pending transaction, you've essentially spent the money - you certainly intended for the money to be spent. Accordingly, pending transactions need to be subtracted from your balance. So, if your balance was $164 and you had pending transactions, your balance isn't $164 - it's lower than that. Yes, you incur problems when you have a low balance in your account. It isn't the bank that's picking on you. It's your money management that needs some work. For starters: 1. Keep an accurate register. With low balances in your account, it's more important than ever to do this. Forgetting to record a transaction will literally cost you a lot of money and there's no one to blame for that, but you. 2. Never depend on anyone for your account balance but YOU! If a bank has an online service, it's to be used as a tool, not as a replacement or a crutch for keeping your own written register. 3. Stop using a debit card. All banks offer you a debit card claiming it's a convenience for you. It is, if you have a lot of money in your account. It is a burden if you don't, and it will cost you. If you start with these simple steps, you'll do fine. Full Disclosure: Never worked for a bank in the past, present, or in the future.

Tonie, your post is full of so much misinformation, it makes me believe you have never dealt with a bank, let alone worked for one. For starters: 1. For more years than I can remember, ALL banks post in the completely opposite order of what you indicate. In other words, checks and debits first, and then deposits and credits. Your account agreement should indicate you gave the bank te right to post transactions in any order they wish. 2. There is not a single bank that provides an accurate on-line assessment of your account balance. WHY? Because they have no idea what you're outstanding checks are. The only value an online balance is for you to (1) identify bank charges you need to account for, and (2) potential fraud on your account. 3. Pending generally means pending. If you worked in a bank, then you know there is an agreement between bank and merchant regarding the debit payment process. Until the merchant verifies your payment as legitimate, your debit transaction IS pending. Having said that, if you have a pending transaction, you've essentially spent the money - you certainly intended for the money to be spent. Accordingly, pending transactions need to be subtracted from your balance. So, if your balance was $164 and you had pending transactions, your balance isn't $164 - it's lower than that. Yes, you incur problems when you have a low balance in your account. It isn't the bank that's picking on you. It's your money management that needs some work. For starters: 1. Keep an accurate register. With low balances in your account, it's more important than ever to do this. Forgetting to record a transaction will literally cost you a lot of money and there's no one to blame for that, but you. 2. Never depend on anyone for your account balance but YOU! If a bank has an online service, it's to be used as a tool, not as a replacement or a crutch for keeping your own written register. 3. Stop using a debit card. All banks offer you a debit card claiming it's a convenience for you. It is, if you have a lot of money in your account. It is a burden if you don't, and it will cost you. If you start with these simple steps, you'll do fine. Full Disclosure: Never worked for a bank in the past, present, or in the future.

Tonie, your post is full of so much misinformation, it makes me believe you have never dealt with a bank, let alone worked for one. For starters: 1. For more years than I can remember, ALL banks post in the completely opposite order of what you indicate. In other words, checks and debits first, and then deposits and credits. Your account agreement should indicate you gave the bank te right to post transactions in any order they wish. 2. There is not a single bank that provides an accurate on-line assessment of your account balance. WHY? Because they have no idea what you're outstanding checks are. The only value an online balance is for you to (1) identify bank charges you need to account for, and (2) potential fraud on your account. 3. Pending generally means pending. If you worked in a bank, then you know there is an agreement between bank and merchant regarding the debit payment process. Until the merchant verifies your payment as legitimate, your debit transaction IS pending. Having said that, if you have a pending transaction, you've essentially spent the money - you certainly intended for the money to be spent. Accordingly, pending transactions need to be subtracted from your balance. So, if your balance was $164 and you had pending transactions, your balance isn't $164 - it's lower than that. Yes, you incur problems when you have a low balance in your account. It isn't the bank that's picking on you. It's your money management that needs some work. For starters: 1. Keep an accurate register. With low balances in your account, it's more important than ever to do this. Forgetting to record a transaction will literally cost you a lot of money and there's no one to blame for that, but you. 2. Never depend on anyone for your account balance but YOU! If a bank has an online service, it's to be used as a tool, not as a replacement or a crutch for keeping your own written register. 3. Stop using a debit card. All banks offer you a debit card claiming it's a convenience for you. It is, if you have a lot of money in your account. It is a burden if you don't, and it will cost you. If you start with these simple steps, you'll do fine. Full Disclosure: Never worked for a bank in the past, present, or in the future.

Tonie, your post is full of so much misinformation, it makes me believe you have never dealt with a bank, let alone worked for one. For starters: 1. For more years than I can remember, ALL banks post in the completely opposite order of what you indicate. In other words, checks and debits first, and then deposits and credits. Your account agreement should indicate you gave the bank te right to post transactions in any order they wish. 2. There is not a single bank that provides an accurate on-line assessment of your account balance. WHY? Because they have no idea what you're outstanding checks are. The only value an online balance is for you to (1) identify bank charges you need to account for, and (2) potential fraud on your account. 3. Pending generally means pending. If you worked in a bank, then you know there is an agreement between bank and merchant regarding the debit payment process. Until the merchant verifies your payment as legitimate, your debit transaction IS pending. Having said that, if you have a pending transaction, you've essentially spent the money - you certainly intended for the money to be spent. Accordingly, pending transactions need to be subtracted from your balance. So, if your balance was $164 and you had pending transactions, your balance isn't $164 - it's lower than that. Yes, you incur problems when you have a low balance in your account. It isn't the bank that's picking on you. It's your money management that needs some work. For starters: 1. Keep an accurate register. With low balances in your account, it's more important than ever to do this. Forgetting to record a transaction will literally cost you a lot of money and there's no one to blame for that, but you. 2. Never depend on anyone for your account balance but YOU! If a bank has an online service, it's to be used as a tool, not as a replacement or a crutch for keeping your own written register. 3. Stop using a debit card. All banks offer you a debit card claiming it's a convenience for you. It is, if you have a lot of money in your account. It is a burden if you don't, and it will cost you. If you start with these simple steps, you'll do fine. Full Disclosure: Never worked for a bank in the past, present, or in the future.

Forget the online banking feature to obtain your account balance. No bank can offer a completely accurate system for you to get your account balance and nobody should be doing that anyways. It's your money for Pete's sake, why wouldn't you keep a record of how much you have? Virtually every major bank that I know of processes debits before credits and from largest to smallest. That's not fraudulent. When you think about it, the order in which the transactions are processed really doesn't matter if you have enough money available before you authorize the transactions. No ripoff here. You just didn't know how your bank operates.