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BB&T / overdraft

1 Big Stone Gap, VA, United States Review updated:

i recently asked BB&T for overdraft protection, the bank rep. on the phone said all i needed to do was to come in and sign a piece of paper, so when arriving at the bank, i went inside and asked the banker about overdraft and how to add it to my account, well they sent me to one of the higher up bank rep.s who then went on about credit and ended up stating that i would need a co-signer. all i wanted was overdraft, nothing about credit or anything like that. so i went home and called the guy who had opened my account and asked him about it, he then went on about the credit thing. i then stated that i just want normal overdraft, like example:if im in dire need of money i could overdraft my account and then pay it back, if i dont have enough money in the bank. so he then went on and said he finally knew what i was talking about and stated that he added it to my account. well i waited until 2 days after he said it was added and i went and tried to overdraft my account due to a personal issue, well when i tried all the atm stated was "insufficient funds to proccess transaction". i mean if you cant overdraft your account, then why the heck even bother? i really need to overdraft my account to pay something i really need to get paid, but how can i when all i get is "insufficient funds" i mean to me, it sounds like BB&T wans people to think they can get it, and when you need it they wont let have it. i really think all this bank is, is just a bunch of scam artists stealing people's hard earned money.

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  • Wh
      28th of Nov, 2010
    +1 Votes

    Overdraft protection comes from a savings account. They take the funds from that account to cover what is needed in your checking, usually with a smaller fee than NSF. Why would a bank "loan" you funds that you don't have and will "pay back" when you decide??? You think you should be able to go to the ATM and get money that is not there?

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