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Bruce big banks have systems and rules. The folks in the branch can't hardly turn off the lights or replace a dead light bulb without permission or following a prescribed procedure. The solution is very simple. Go elsewhere - the amount of money you need is trivial to a bank, but a community bank wants your business and the people who can make the decisions (or exceptions to rules) are generally either in the office or another close by.

A friend of mine wanted to buy a house. They had the loan all approved and just before the closing for unknown reasons the bank decided on getting a second inspection. That inspector said the roof was defective and leaking. The bank said they would not issue the loan until after the roof was fixed. Well that is all well and good, but the seller was destitute and had lowered the price to cover the cost of roof repair - agreed to by seller. The house with bad roof appraised at $450K. The sale price was under $300K and the mortgage was to be for $290K. The bank would not budge. My friend walked across the street to another bank, explained the entire deal with various engineering and inspection reports included. He get a loan from the second bank for 300K.

There is no point in telling the BB&T folks you are dealing with - they undoubtedly want to help, they just don't have the authority.

About 30 months ago, I switched from a traditional, large regional bank (similar to BB&T). I got my checking account at Ally Bank. I have an Money Market account at a one branch community bank. Use Ally which is free and rebates all my ATM charges at any ATM in the country for bill payments. Use the local bank for safety deposit box, and to keep my Emergency Cash account. They pay a decent rate of interest - well lets say higher than my brokerage firm or Ally.

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