We opened a BB&T Student Account two years ago for my son while he is in college. We selected BB&T becuase they specifically offered an account aimed at students. It has an ATM card only, no check book.
A few days ago, he made a miscalculation of his available funds and made three transactions of between $1.08 and $3.67 which were AUTHORIZED by BB&T (as a courtesy) for which he had insufficient funds. The sum total of his overdraft was $6. BB&T charged him $140 - $35 for the $1.08 transaction, $70 for the $3.67 transaction, and 35 for the final $1.46 $2 transaction.
When we appealed to the bank asking for leniency given the small amounts and the fact that they had not rejected the transactions they were extremely clear: the charges stand - get lost. We closed all our accounts there and then.
Any potential future customer needs to understand this awful company's approach and take your business where it will be appreciated.