Laneyoo,
B vitamins are water soluble, so if you take a high dose of a B-complex (complex meaning that the tablet contains a balance of all the B vitamins) in high doses, the amount that your body soes not need is excreted in your urine. The FDA's recommendation has been disputed for many years and it used to be much lower.
I am glad that you are considering a complex vitamin, rather than singling out just one B vitamin. In case you did not know, B vitamins work together and it is not a good idea to take just one B vitamin without an appropriate, relative amount of the other B vitamins. For example, Thiamine is known to help depression, but if one were to take just Thiamine alone, it might cause a deficiency of the other B vitamins. So complex is the way to go unless you are being treated by a nutrionist...
A good reading source on B vitamins and nutrition in general are books by Adele Davis. Check out,"Lets Eat Right to Keep Fit". It may be old, but her research is what nutrition is mostly based on today.