Gosh, a typical response from someone stealing money from clients with this practice. Yes, that's what I believe is going on. I worked at the bank for 16 years and they took every opportunity to build a system to encourage overdrafting their acct. You my friend are just repeating the company line, in a weak excuse to justify this practice. The bank uses terms like available balance, current balance to confuse. It allows withdraws from accounts w/o funds just to charge the fee. It uses check systems as a way to ensure payment on these bogus fees, not a screen to keep fraud out of the bank. You have a lot of nerve taking a shot at this lady. You should be ashamed.
I never said I worked for BB&T and I never said anything about the morality of overdraft protection. All I said was that this person should keep track of the money they have in the account and then they wouldn't be writting bad checks that caused them to dip into the overdraft protection. Overdraft protection use can easily be avoided simply by keeping track of the money you have in your checking account. That is a simple but true statement.
Now it seems like you are a disgruntled former employee and I would say that is probably coloring your view of things. Go to any of the top 10 banks in America by size and I will bet that all have a similar overdraft protection feature on checking accounts. From what I have read and seen it is a typical industry practice and is allowable by law. If you do not like the law than work to get it changed. That is your right as an American.
I wish you a happy and healthy life and hope you are enjoying your current job.