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My daughter had an account at Suntrust for over a year. Last month she thought she had a dollar in her account and charged 99 cents for something on her debit card. Turns out she only had 94 cents in the bank. She was charged 35.oo in fees for the 5 cent overcharge. She was at camp when the statement came in, and because of illness in my family I put off going to the bank to pay it for 8 days. When I got there, they had taken on another 35.00 for the late payment of the overdraft fees.
70.00 for an overdraft of 5 cents!? I closed the account that day and they were fine with that. What ripoffs.
Suntrust definately has a way of manipulating transactions to secure the highest possible fees. I had a credit balance on Friday, almost enough to cover the checks and debits from the weekend I was short $200, I planned to make the deposit Monday. First they debit the highest amount then the amounts descend from there. I had a $600 balance, the first check was for $590, it was debited first, the second check was $40. the third $20, the debits were $20. $42. $19. $49. I was charged $210 in overdraft charges which took presidence over the account and were debited first thus creating a smaller balance that could not cover the first check for $590. so they tacked on another $35 fee. for a total of $245. in NSF fees which could have been only $35. had they debited the charges as they came in and not in largest value first. They are a bunch of thieving ###.