BB&T Financial Bank Account Or Service Complaint

BB&T Financial Bank account or service department,

Checking account Deposits and withdrawals Kentucky

I deposited a check from my insurance company for short term -, Principal Life in the amount of $2200.00 less $100.00 = $2200.00 on - -, 2015 in my checking account at Branch Banking and Trust, aka BB & T in Kentucky. They are delaying/holding my deposit for - days, they said because I overdrew my account in the past - months. I went to the ATM with my ATM/- card and it allowed me to withdrawal money, but BB & T charged me $36.00 for each ATM/- withdrawal. How can this be legal?