Bank of America review: overdraft fees 59

I have been banking with bank of America for the past 10 years. The customer service has steadily declined over the past year. The reps on the phone are very rude. This week, I found out they sent out a notice with statements a few months ago, regarding changes to their over draft and pending transaction policies. However, I had chosen their "paperless" option and do all my banking online. Since I did not receive this notice, I have $315.00 of over draft fees. I still am not sure how this new policy works and why I have all those fees. When I ask them to explain it, they act like i am stupid and are rude. I have completely lost their trust. My assistant at work, did not get the notice either and she accrued $245.00 in over draft fees. They act like we should have known about the change despite not receiving the memo.

I have read all over the internet about similar complaints to the one I have. I had money in my account and used my debit card, come to find out three days later and four overdrafts that "supposedly" there was no funds available. I know in my mind and heart that there was money because there had been a direct deposit and two cash deposits so there was enough for all the transactions to clear and still be very little wiggle room left over. I have tried to close my account, I was lied to several times by many associates that they would refund the fees. However, I have yet to see the refunds and the fees keep climbing. I HATE this bank, I regret the day I ever gave them my business. The problem here is not that I cannot manage my money, but that the online statements are decieving. It shows money in your account and even if you personally keep a running tally of what you know you have and have used they somehow to their profit make it so it isn't so. The problem is, they keep getting bigger and bigger and they will eventually get so big they won't care about the bottom line which is supposed to be their customers. To all my fellow "overdrafters without recourse" I feel your pain as do many others.

hiiiiiiii
how are you]

I am also in the same boat with these overdraft fees, my personal banking information has been lost and i told the bank about it, they said they couldn't do anything about it...i had to open a NEW checking account which took a few days to get my new atm card/checks, etc...well in the mean time there were debits trying to come in and BOA just continuously let them happen and kept charging me $35/time...I asked them to suspend the account to prevent this until my other account was up and running and they informed me they couldn't do it unless i went in the actual bank...BS! My son has severe asthma and I am constantly having to take care of him in and out of ERs...plus I'm a single mom who works until 6pm sometimes...so its hard for me to get out and about esp. when the banks all have different lobby hours, etc. Now I've accrued over 14 NSF charges and they STILL won't do anything to help me out...is there any way I can have this stopped and them to take all those charges off my account? This is just plain ridiculous and a HUGE ripoff to the consumers...I must say this is the WORST bank I've ever dealt with...I'm furious!

Bank of America's overdraft fees are completely deceiving and unfair. $35 dollar charges for spending ONE dollar more than I have when the bank displays your information making it appear as if I actually DO have the money is just EVIL.

I have a checking account with this bank and sometimes have a small balance before my paycheck is automatically deposited. This week, I was charges an overdraft fee of $35.00 for a $6.38 check card transaction even though my balance was more than the transaction. Another check was coming through their system at the same time as the $6.38. Rather than pay the $6.38, they took the larger amount knowing full well that by doing this, both transactions would bounce. I contacted the bank via internet and the lady said that "they had found that their customers would prefer the larger items to clear first". This is absolute crap and not a policy. It is merely what "they have discovered". THIS BANK WILL RIP YOU OFF! DO NOT BANK WITH THEM! THEY ARE THE WORST BANK EVER!

I have been fighting with BOA all year so far. They have a new scam now. They have now discovered how to make millions in one day by scamming their own clients. After a conversation with a bank manager who explained to me what they do is take off larger amounts first and then smaller amounts which means that they automatically bounce the smaller amounts due to the larger amount using up the funds.

Now if you had a balance of $500 in your account and you used your debit card for let’s say 10 small payments of about $20 each which will leave you a balance of $300. Suddenly there is another amount that comes off your account of about $400 which you forgot about for some doctor’s bill or something. Now at this point everything is pending in your account which allows them to fiddle the books. What they do is take the large amount off first, even though it was the 11th transaction in your account. This will leave $100 in your account and of the 10 previous transactions only 5 of them make it through and you will go into overdraft for $100. Then they hit you for the balance of the 5 transactions at $35 each which will be $175 in overdraft fees.

The manager and customer service will tell you that this is what the clients want. I have not found one BOA client who actually agrees with their new scam, they are actually angry about it. They also will refuse to take your money off your account as they receive it. They will rather leave it pending so that they can once again fiddle the books.

With everyone in debt and struggling financially, if 100, 000 clients overdraft on one transaction, in one day BOA makes a clean $3.5 Million. I am sure the figure is larger than that –easy money.
When you go on line to complain to customer service they just send you back very patronizing emails on how you should conduct your account.

Please feel free to email me about this complaint because my overdraft came from money withdrawn from my account which makes no sense to me. My email is missrholliday@hotmail.com

THey are a freaking mafia... when I have money in there it sometimes takes them up to 5 days to post things... when i'm low on cash... it will take them 1 day to process everything... I swear they hold things as long as possible waiting for me to spend enough so they can charge me $35.00 per thing... Hate this bank... should have left a long time ago.

Bank of America and how they work by trying to overdraft your account so they can make money off of you.And have the balls to tell me over the phone that they dont care.

I have had a Credit Card with BOM(Juniper) since 2004. Originally it was with Juniper bank at a fixed rate of 6.25%. BOM purchased the card and my percentage rate actually dropped to 3.25 % which was great. Now I receive a letter stating my interest rate will increase. I called and found out it was increasing to 9.25%(Variable rate). I asked why, since I had no late payments. No good reason was given. Also, my payment due date went from the 5th or the 6th to the 1st. I called and got a cycle time answer. What I found out the auto payers were having this happen to them recently to try to catch people off guard to making late payments. I also called back customer service and asked them what my interest rate was currently and I was told 3.25%. I asked was that subject to change? The answer was NO! As long as you pay on time. Lies, deception and poor management by BOM and government is who is to blame. Hay, lets give these crocks some more stimulus money.

BOA cheats you by arranging you debit and atms so it looks like you overdrew your account. I had used my debit card from a Friday afternoon till Monday afternoon for various things. Monday I checked my available money and had a positive amount. We used the debit card that afternoon and overdrew our account by $26. This was done at 4PM. At 10PM I put $100 into my account, cash. I then had a reciept showing I had like $74 in the positive. The next day I was charged $175 in overdraft fees and then without using the account since Monday night, I was then charged another $35 fee! They manipulate the numbers in such a way, it makes you look like you over extended your self all weekend! I confronted the manager at my local bank and even called the main office, they argued with me over the account. You cant beat them, so I suggest you bank with a Credit Union or a bank that wont cheat you!

The Automative phone system, atm, online accout ect, cant give you an accurate ballace, eveyone knows that or you at least should. SOME transactios are pending at have not posted, especaily the ones you just did! Some businesses that you spend at may even take a week or longer to post it to your account. How was it there fault that you failed to write your transactions down and make sure that you were not overspending? This is the reason you should ballance your account as you go! Are they supposed to hold your hand when you pee and wipe your ### too? Really now, its your fault you overdrew your account not theirs.
I had an issue with a different local bank like this HOWEVER I was young and I WAS NOT BEING RESPONSIBLE, the overdraft charges WERE ENTIRELY MY FAULT and I know it so I had no right to complain, as you dont now get a life

BANK OF AMERICA STEALS 1/2 MY UNEMPLOYMENT CHECK

Am unemployed. Have auto deposit unemployment which would be been deposited to my Bank of America checking account at 0001 hours on 7 July 2009. Woke up this morning to find that Bank of America had processed payments PRIOR to crediting the deposit, taking $280.00 (8 overdraft fees @ $35.00 each) from my account, leaving only $6.09 for me to live on. I request that the $280.00 be credited to my account immediately.

Why would you write checks and spend money before it is in the bank? This is your fault and has nothing to do with BOA. Nice try.

My father keeps getting overdraft fees from Bank Of America, which he has noticed is at the end of every month (also when they approve ALL the pendings in order to screw you with overdraft fees).. I mean it's kind of odd that they have purchases pending for OVER A WEEK and then when they know you have low funds they screw you with all the pendings at once to get an overdraft fee out of you.

Anyone else have this problem? Also whenever he goes to the gas station and uses his card at the pump a $1 fee always is shown on his statement but then when it isn't pending anymore it mysteriously disappears.. HMM.. could it be another attempt to overdraft?

My father is seriously considering going to Blumenthal about this problem with Bank Of America, and after a show talking about how this guy made a program for Bank Of America that they paid millions of dollars to have so they can screw the american people, I can't believe nobody thinks this is illegal when it clearly is the ULTIMATE SCAM..

OMG, I have paid sooooo much in fees. They moved the most expensive item first even if you bought it last. Scamm artists. When will we learn? I think this false sense that people dont hurt people needs to go. They DO hurt others!

I JUST RECENTLY REOPEND MY ACCOUNT WITH BANK OF AMERICA ONLY TO RECALL THE REASON IN WHY I ALLOWED IT TO CLOSE IN THE FIRST PLACE... WHEN I HAD RECIEVD MY INCOME TAXES I WAS SWIPING MY CARD CONTINUOSLY NOW NOT ONLY DID THEY OVERDRAFT MY CARD WHEN I HAD NO MONEY LEFT BUT IT WAS IN FACT FOR THE SMALLEST THINGS SUCH AS GOING TO MCDONALDS OR BUYING SOME CANDY AT THE STORE OMG NOW I OWE THEM $150 IN OVERDRAFT FEES ALONE! WHAT IS THIS WORLD COMING TO... NOW I ALSO HAVE A CREDIT CARD ACCOUNT THAT WAS OPEND UP ABOUT 1 1/2 AGO AND NOW JUST YESTURDAY I HAVE SOME PLACE CALLED BAY AREA CREDIT SERVICES CALLING ME IN THE MOST RUDE AND DISRESPECTFUL MANNOR I HAVE EVER BEEN SPOKEN TO TELLING ME THAT THEY WILL CONTINUE TO CALL MY HOUSE BECAUSE THEY WHERE THERE TO COLLECT A DEBT
NOW I DONT TAKE BEING DISRESPECTD VERY LIGHTLY SO I SAID MY PEACE AND TOLD HIM DONT CALL MY HOUSE ANYMORE AND THE GUY CONTINUED TO CALL NOW I HAVE A FRIEND THAT USED TO WORK FOR A COMPANY OF SUCH SORT AND I WAS TOLD THAT THIS IS ILLEGAL FOR THESE COMPANIES TO DO THIS... THEY ARE NOT ALLOWED TO CALL YOU MORE THEN 2 TIMES IN ONE DAY AFTER BEING TOLD NOT OT CONTACT YOU ANYMORE THIS MAN KEVIN MENDEL PROCEEDED TO CAL ME 5TIMES NOW SOMETHING IS SERIOUSLY WRONG WITH THIS... SINCE THEN IVE CONTACTD BANK OF AMERICA WHO SAID THEY NEVER SENT ANY DOCUMENTS OVER OF ANY SORT AND THAT THEYVE NEVER HERD OF THE COMPANY WTF...SO MANY LIES

Yes I just submitted a similar problem with BOA ###! Im Disqusted & Fedup

By the way I have decided that I am going to close my Bank of America account, and switch banks to ING Direct.
BoA charged me with 200$ overdraft fee, as I forgot to transfer money from my savings account to my checking account.
For 10 days i've been accruing this fee everytime i made a transaction.

I went and talked to the bank representative in the branch, and the customer center however it''s of no avail.
I had even signed up for an electronic notification incase my balance was low, however i did not receive any alert. The BoA people say their records show i have not been subscribed for alerts, although i have an email confirmation saying i did.

I have sent them an email reg. this, if they don't resolve this issue, I am surely changing banks. Even if they do, i still think i will. I'm not comfortable putting money where banks don't respect people's hard earned cash.

It seems all the top banks have this fee(they altogether make 40 billion $ each year ripping off poor people).
ING Direct however gives overdraft as a loan with a nominal fee, rather than the ridiculous 35$ these banks charge. Will probably go with them.

I definately agree that we should all be more responsible with our money, however what happens when a young soldier joins the military, signs up with Bank of America and being young and never dealing with that kind of money before, they count on you going over the limit and the young people will every time. That's $35 for a 1.00 candy bar, actually 36 dollars.

NBC Nighty News has contacted me and interested in doing a story on Bank of America overdraft fee's, that ATM or register should say 'DECLINED - INSUFFICIENT FUNDS' if that's what you choose to do. Expecially if you are a soldier.

If anyone is interested and has a similiar story, contact me. smash@apluswny.com and leave feedback. I will give the story to the reporter to include.

My biggest gripe is when Bank of America's own bill pay overdrafts your account. They call it a courtesy. I told them to quit being courtesy and just reject it. I have 2 checking accounts with them, a savings account and a credit account. One of the checking accounts, the shopping account, is attached to the credit account. So if it gets over-drafted it pulls from the credit account. However, my other checking account, the one I pay bills from, is not. Just this last week I got over-drafted on the account with Bank of America's bill pay system. Who better to know that I have insufficient funds in my bill pay checking account then Bank of America? After I setup all my bills to pay I then transfer the total amount from my shopping account to the bill pay checking account. That way the money missing from that account immediately. The only problem is I forgot that I paid a medical bill that was paid by check. It came out of the account before the others were paid. I check my account on Thursday and see my account was overdrawn my $30 (-$2 & and then -$30). I was charged $70 for the overdraft fee of the 2 bills. But love how they pay the largest bills first. They claim it is so they make sure they get larger ones get paid. Cause you don't want to miss a mortgage payment or car payment. I don't see why that really matters. They always seem to pay all the bills anyways and over-draft the account. That is why I feel it is a sham. To what extent do I have to overdraft the account and they'll stop being courteous? I've continuously asked them to "Decline - Insufficient funds" like they used to seven years ago when I was an irresponsible college student or when I don't have enough credit on a credit card. But they know I'll stick with them cause I'm an idiot and they know how hard it would be for me to move all my accounts.

Of course, I know it was my fault that I didn't put more money into the checking account to support the medical bill. But they don't even try to understand. I almost feel sorry for their customer service because they have to put up with the crappy policies of the company. There was a time that Bank of America was a good company. They used to call me to help me protect my account. Now they've just become just as greedy as other banks that helped cause this economic mess we're in.

I am being charged with 400 dollars worth of my hard earned money in overdraft fees even though I was told by the bank rep who answered my phone call that I wouldn't be, so I called back and asked if they would get my recorded conversation where I specifically asked over over if it was clear to write checks from my account I really feel that they're all in a scam to get as many overdraft fees as pssible, and there has to be a law against their fraud actions.

You can't just ride the system and expect everyone to drop everything because you "requested" for them to.

The same thing happened to me. I called and complained and they returned a fraction of what they purloined as fees.

I filed complaints with the BBB and the Office of the comptroller of currency.

I doubt that will help but at least I'm doing something about it now.

I also filed a complaint through AFFIL. Check them out. You can contact your Congressman through them about this.

BOA has hit my account for 35.00 fees on 3 small (less than 6.00 debit charges) on 8/31 and my pay check was deposited on 9/1. Then after I moved everything from my savings into my checking, they took 32 cents and charged me 10.00! I had to have emergency surgery and admit I made a mistake. I do not make a habit of this and this has really caused me problems...115.00 charges in fees for 13.00 in debit charges!

I absolutely agree. I deposited $1469.96 on Aug 10/09 to my California Bank of America account, and yet on Aug 11/09 Bank of America charged me 8 overdraft fees @ $35 each (even on withdrawals as small as $4.63, $4.85, $7.00, 10.19, $12.06, $15.84) and 2 more overdraft charges on Aug 12/09 @ $35 each - for a total of $350 in charges in two days! The total items they put through came no where near $1469.96! Who in this time of recession (or any time for that matter) can have $350 taken out of their accounts just like that! This should be illegal.

Principissa -2000 Votes
maggie, do like movies about gladiators?

As an update. Bank of America corporate responded as result of complaint filed with Better Business Bureau and refunded total amount of overdraft charges.

Attn: corp office resolution services
po box 25118
tampa fl 33622

http://www2.fdic.gov/idasp/main_bankfind.asp

http://www.fdic.gov/consumers/consumer/rights/index.html

http://consumerist.com/256424/7-overdrafts-refunded-after-reader-writes-bank-of-america-ceo

http://www.affil.org/consumer_rsc/overdraft

Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3710
Houston, TX 77010

Federal Trade Commission
Bureau of Consumer Protection
Office of Credit Practices
Washington, DC 20580

Bank of America charged my account for overdraft fees when there was enough money in the account to cover the charges that went through that evening. They explained they accessed the fee becasue I had funds waiting to go through the account that was more than I had in the account. I thought that banks could only charge your account if they attempted to collect funds from your account and the money was not there. If I charge something it may take 3 or 4 days before the money actually hits my account. Charges are not to be accessed until the day the money is withdrawn or attempted to be withdrawn and the account has insufficient funds. My account had sufficient funds to cover the charges that were taken out. The bank has charged me for 4 over draft fees. If the bank would not have taken any fees away, my deposits would have covered all charges. The bank admitted an error and gave me 1 $35.00 credit which should have triggered credits for the remaing overdraft fees. The manager advised me that they can't back date the credit to the date it was taken out because it was not fraudglent. If was fraudglent for the bank to take my money in the first blace.

I wanted to add an link to file complaints against Bank of America, NA the link is
http://www.occ.treas.gov/customer.htm
It is the Controller of Currency Administrator of National Banks.
I tried to research law regarding when can a bank access overdraft fees. I could not find any law stating a bank could charge overdraft fees when the funds were in your account. Bank of America is charging overdraft fees if the amount waiting to come out of your account is more than in your account. Hope this helps others because filing a complaint with the Department of Finance in your state does not do any good for national banks. Please use the above link to file complaints against national banks.

here is my experience with them, I had a Check card, with them thru the company I used to work for, After I left the company the account iis closed, I keep geting e-mails that I owed them $15.00, I had already shredded the card, and evertime I got an e-mail I would send it back as spam! I will be darned if I pay for something the company should have done, not my problem, Let it go against me I am tiered of geting ripped off by thieves!

had a checking account with Bank of America and closed my account they left it open for six months allowed someone to do a change of adresss then asked me to mail them a copy of my license and social security card after i reported fraud they put me in check systems didnt bother to investigate my claim I have always had a good checking account history I see why they needed a goverment bail out and dont trust that keep the change program they take a penny from millions of people every month what a scam

Bank of America steals from their customers. They create overdraft fees by not processing your purchases as they occur even though you have the money available and at the time of purchase they went through fine. If you look at your balance you will see the “Balance” and “Available Balance” and will notice the amount you just spent is now gone from the “Available Balance”. So this means they have removed the money you just spent for the purchase you just made. Only problem is they don’t actually clear your purchase even though they have removed the amount from your “Available Balance”. Instead of clearing payments they hold them, sometimes for several days, and they call them "pending transactions”. Then they wait for other HIGHER charges to come through. When this happens they will clear those higher charges and then process the lower charges and often times this creates a deficit and will overdraft your account.

If you have money in other accounts or a savings account they will freeze those accounts and not allow you to use or withdrawal any of it unless you use it to pay their fees and get the negative account into the positive. So you could find yourself with an unexpected negative balance AND be frozen out of your accounts unable to get any of your money.

Right now we are in the middle of this nightmare, which we have seen several times since opening up accounts in 2005 and 2007. We were paid on Friday, January 29, 2010. We had plenty of money in the bank and that day, the 29th I paid several bills and then that weekend we bought groceries, and made several small purchases. Our account online looked in order and the “Balance” and “Available Balance” were correct because all the purchases we made were now gone from the “Balance” and showed what was left in the “Available Balance”, which was in the positive. When Monday, February 1, 2010 came I planned to deposit more money into the account to cover two car payments that were going to be coming out that day. When I went to check the online balance I saw that they had cleared the two car payments, which were supposed to clear Monday, and they used the money that had already been reserved (or so I thought) from the payments and purchases we made Friday, Saturday, and Sunday. Then they proceeded to overdraft five of those purchases at $35.00 each. Later, in addition to that, they added another $35.00 fee called an “Extended Overdrawn Balance Charge” because the account had been in the negative for 5 consecutive business days.

We would LOVE to close our remaining account and leave but we are stuck there. Because of one of the many times they put my account into the negative with overdraft fees and it snowballed from being a manageable amount to an unmanageable amount, I was unable to get caught up. Then they started to charge me an additional $35.00 for “Excessive Overdrawn Fees” when my account was in the negative for 5 consecutive days or more. Soon I was unable to ever get caught up and pay my rent and bills and buy food and gas. I had to stop depositing money into the account because it was just getting eaten up by their fees and I needed to pay for basic necessities and rent. They eventually closed my account and then reported me to Chex Systems. Now because of this I am unable to open another bank account anywhere and am a prisoner there, unless I want to have NO bank account at all but then how do you cash your checks and pay bills like a normal person? You can’t without a great deal of hassle and the danger of having cash in your possession, which is risky and unprotected. But really, what’s the difference? It can be stolen by some random thief or it will be stolen by the bank you are supposed to trust to keep your money. Not rob you blind.

My story is just one of MANY exactly the same and this issue with the banks using computer programs to overdraft their customer’s accounts has to stop. They have literally stolen hundreds and hundreds if not thousands of dollars from my family. They refuse to refund the money and they continue to practice this fraudulent scheme year after year to hundreds of people without consequence. The Internet is loaded with stories exactly like mine. I have been talking to people at stores and other places of business and have heard the same story from many of them about Bank of America and a few other banks that are doing the same thing to their customers.

These banks squandered billions of dollars away on who knows what and then needed to be bailed out by the government. They created the sub-prime lending schemes to make money and we all see how that turned out. Now the country is in turmoil and the economy is in the gutter and people are suffering because of it. Now they add insult to injury and steal from their customers by creating this overdraft charge theft scheme to make money.

WHY IS THIS LEGAL?

I had the same thing happen to me, only different. You see Bank of America posts all their transactions at 2:00pm. This is bogus. If you work the day shift, get paid and make a deposit after 2:00 pm, you will not be credited until the next day.

Short story. If you know you have transactions coming in on payday, you better get to the bank before 2:00 pm that day or your going to get an overdraft fee. This is Bank of America's way to make it hard to make your deposits. This is part of the way that their overdraft software works.

When I complained about it, They acted like I was a stooge and said, " I'm glad you think you know how the banking system works."

When they refused to decline the charges I closed my account. Thankfully they only got me for $35.00.

My suggestion to anyone is to find a bank that closes their transactions at midnight.
These banks are customer service banks. All your transactions do not post until the end of their business day, which is midnight. Look around, there are banks like this.

I think everyone should bouycot Bank of America until they change their overdraft policy, and change their end of business day to midnight. Think about it, If Bank of America's end of business day is at 2:00pm, who does it benefit? YOU? Wrong!
This is their way of stealing our money.

dont count your eggs till your chicken has laid it in other words your banck acct is not a credit acct unless you have credit protection note new rules on back acct has be active for the last couple of years one is if you sumit a check depening on the bank it will be proceesed in to their system within 24hrs even from the register that is why you acct number is scanned in deposit do go in quicker but some banks limtied availabilty in the case of bank america if you dep 200 they will allow 100 in to you availabity they still need to confirm totals even in this tech world old school rule still apply and if a bank has refused to returnned an overdraft fee is because this has happen often and i mean often companies will reward good acct standings that is good customer service if you are as they say overdraft insane they will try to help but in the long run you need to keep track and take responsiblity for your actions a bank acct is not a right it is a privilige try other banks you will find the same

i got cheated by the bank of america.
my online balance showed that i had a positive balance. and that is how i go about spending. when i saw that i had a positive balance in my account i went about my usual spending. at the end of the day i had a positive balance of about $10. the next day i opened my account and saw that i had a negative balance of $200. and it was caused because of 4 overdraft fees of 35$ each. i called them up and filed a claim and they reversed 3 out of the 4 overdraft fees. that same day i went and deposited $800 in my account. the next day i see that their are 4 more overdraft fees there even though i have a positive balance. their explanation is that some transactions didn't post to my account earlier and that is why those overdraft fees are there. so in total their are 5 overdraft fees related to my account even though i have a positive balance.
my complaint is that why weren't those transactions that caused my overdraft shown in the pending section of my account before. and how am i supposed to know that there is a negative balance if it doesn't show on my online account. they have all kinds of explanations for the overdrafts. but i have been cheated off a lot of money for what i believe is their fault.
if i have overdrawn firstly my card should not have been approved for further tranactions. secondly if there were any pending transactions they should have shown in my pending section of my account. because of this i have been charged over a $170 in overdraft fees for something that was not my fault.

why do they have the online account feature if it is not accurate. they should atleast warn the customer befre hand that the online account is not accurate. i was not made aware of any such mishappenings. i don't know what to do now. i'm broke and no money to eat.

This is exactly what happened to me and i can't understand for the life of me how they feel this is right. I was hit with 4 overdraft fees because even though it showed available it was on hold for 24hrs. Bank of America is set up to get you with overdraft fees and not at all out for the customer's best interest.

Bank of America is designed to rip you off. I noticed i miscalculated the amount that was due to come out of my account so before anything could be processed through i went and deposited cash through the ATM. Thinking this would take care of the pending charges boy was i wrong because i deposited the money 23 minutes after there cut off time even though the funds showed available they allowed all 4 transactions to bounce incurring $35 fees for each one and states that even though it showed available the cash wasn't credited to your account for 24hrs because you deposited the cash after 8pm. How they feel like there justified is beyond me maybe instead of allowing the customer to think it's available they should not show it credited right away...BANK OF AMERICA is all about the money and sticking it to you however they can.