Complaint Review: BB&T -

I am sorry to say but your "report" is a prime example as to why it should be a requirement that before anyone opens up an account they take a class on account management.

One first must ask though, if your other bank was so good why did you move your money to this bank? Let us guess...you had very similar "issues" with your previous bank. Which I am sorry to say until you learn basic account management and responsiblity if you switch banks again you will continue to have the same issues.

The order of posting, and the fees are all disclosed to you when you open the account. But like many people who work more on trying to blame the bank than learning responsible accounting

The overdraft fee you pay is 100% OPTIONAL, and one of the easiest fees to avoid.

If the bank posts debits before credits, then the answer is simple. Don't spend more money than you currently have available and think you can "beat" the money back to the bank. Because as you have found..you can't.

If the bank posts your debits from highest to lowest, then again the answer is simple. Don't spend more money than you currently have available. As if you never go negative it doesn't matter how they post the transactions. It is mathmatically impossible to end up with a negative balance from a positive balance by changing the order of posting. Don't believe me..say you have a $20 balance, order the following transactions in such a way that you end up with a negative balance..$5.45, $0.89,  $9.91, $1.25, $2.08. Here is a hint...you will get the exact same value each time.

Pending transactions means you have attempted to spend the money, so again don't even ATTEMPT to spend the money unless you have it currently available in your account.

As for the "up to date" information. Online/Phone/ATM banking was NEVER meant to replace the written register. As that information is only as good as what has been submitted to them. If a merchant hasn't submitted a debit, it is impossible for your bank to know there is a transaction pending. If you have an outstanding check or ACH transaction, again your bank will not know until it receives it. If you are unsure of how to use a register, there are many sites online you can find this information, and I would even bet that if you went into a branch and asked one of the bankers they would be happy to help.

The way to "fix" this issue is to keep a written register and write down EVERY transaction you make or authorize..WHEN you make it. This way you know what is outstanding and as long as you don't spend more than you have available you can not overdraft.

Of course if you refuse to change then perhaps when you look for your next bank you should look for a bank that has low overdraft fees, posts credits before debits and doesn't count pending transactions.  Perhaps even one that gives you a nice grace period so you can beat the money back to the bank.  And while you are doing that go ahead and ask them if they give you any gold bars for opening an account or how often they hand out free cars.

Oh and NO I am not now or have I ever worked for any bank.

 A "predatory bank"! Now that's a new one! It's the whining of still another cry baby over the consequences THEY brought upon themselves. The ONLY reason you get NSF fees is because YOU don't keep a written record of YOUR account usage with an on-going, running balance. You have probably NEVER even balanced your account!

You just keep using the card WITHOUT you having the slightest clue as to what your balance is! You have apparently NEVER read the funds availability policy. In other words, you haven't the slightest idea of how to manage your own account! People who keep WRITTEN RECORDS of their account and maintain an on-going running balance, ALWAYS know how much money is available at any second.

You don't and of course, your failures and your lack of management of YOUR own money is the bank's fault, right? How sorry does it get??? Now's the time to write back, "you must work for them"!