Most of my experiences with BofA have been negative. Aside from a good web banking site, they have little to offer, imo.

Awful. They ALWAYS clear the largest transaction first, never mind when you actually made that transaction. They will find any and every way to charge you an overdraft fee. They charged me $300 in overdraft fees 4 days before I lost my job. I called and begged to get that money back, explaining my situation, etc. and they only gave me back $100. That was it for me, I closed my account in person at the local branch only to get harassed by the manager about it. ('where are you banking now? what are their overdraft fees?' -- None of your effing business!) Later on I found out it was NOT closed because there was still supposedly a DOLLAR in the account. I kept my receipt that said my balance was zero! I had to call twice within 10 days to get them to finally send me a stupid one dollar check and close it already. THEY ARE THE WORST!

I have been w/the BOA for many years now. I have never had any problems w/them. No one else can touch their on-line banking. It is so easy to use & everything is there if you take the time to look---fees, product questions, etc. You can even have a live chat on their site if need be. I have never had any overdrafts, but then I keep track of my account. The bank cannot know what I have outstanding. It amazes me that peopIe think they should get money for nothing (overdrafts)---that's called a loan. I will say that there is an occasional issue w/a nonattentive employee, but that is, unfortunately, common anywhere you go. By & large, my experiences have been good. I would most definitely recommend BOA.

I closed all my accounts after many years with them. Worst bank ever. No I didn't have overdraft fees or anything like that. I had a checking account and 3 credit cards. Because of a mistake that they made and would never admit to is why I closed all my accounts and it did not have anything to do with a fee that I was charged. I keep excellent account records so that will never happen to me but to me a mistake that impacts you r credit even if it doesn't cost you anything is worth leaving since other mistakes may lead to fees that from what I read from other people would be inevitable. I highly recommend that people do some research before dealing with Bank of America. Everywhere I go I here complaints about them. Wake up everybody and stop giving your money away to corporations like these.

Alright, so I'm a college student and I've been with Bank of America for nearly three years now. The experiences that I have had with this bank have been nothing short of satisfactory. Not once have I walked out of this bank disappointed. This review is gonna be a LONG read. You might want to grab your reading glasses and possible a bag of popcorn or something.

Through my early years of high school, before banking with BoA, I was with a local bank and had nothing but constant troubles with them. For transactions that I made, the funds would be taken out of my account, be randomly placed back in, and taken out again. For example, lets say I have $85 in my checking account. I made a debit card purchase at Finish Line for $80, the funds would be taken out and I would confirm the balance at an ATM. One week later, I would check my balance again and have an unexpected $80 in my account. I visit the bank to see what's going on and they tell me "It's a depository from Finish Line, that's all I know, it's in your account, it's your money, spend it as you like."

Being a high school student that knew very little about banking, I was still confused and hesitant. So for the next few days, I make VERY small transactions on food and candy: $0.50, $0.99, $1.50, $0.49, etc. Roughly about 15 transactions. Later in the week, I check my balance expecting it to be around $60 and see that my balance is at a whopping -$214. I visit the bank the next day and they tell me that there NEVER was a depository made from Finish Line. They said that I willingly slipped into overdraft on my own and charged me $34.50 for each transaction that went into the negative. OVERDRAFT?! What the hell is that?! I'm a freaking high school student, how was I supposed to know anything about that?! I was never warned about this when opening my account and they don't teach us things like this in school! On top of that, all of my transactions had not fully processed, so by the end of the week, my balance would be a whopping -$462.

I begged them from the bottom of my heart to help me out and cover some of these charges. They did nothing. They covered no charges. Not $100, not $50, not even $20. They left me to pay the fees on my own. I was at rock-bottom and truly infuriated, but I accepted responsibility. I made the damage, so I had to fix it. If they weren't going to help me, then so be it. Thankfully, I had a great paying job at Circuit City at the time. I waited two weeks for payday to roll around. After school, I visited the bank to see if my direct deposit had hit. I ask the teller for my balance, she checks the balance, takes a sticky note and writes "$1.09" on it. I take a look at the note and say "Oh sweet, awesome. So can you give me my dollar and close my account?" She does not say a word, she clicks the mouse a few times, makes a few keystrokes, places $1.09 on the counter, and prints a confirmation page that the account was closed. The entire time other tellers are looking at her and are wondering what's going on. I take the dollar and the confirmation page and tell her to "keep the change." I leave that bank with a smile on my face, knowing that I will never have anything to do with them ever again.

(Continued on Ruiz..'s review)

(Continued from Ruiz.'s review)

I immediately drive to the local Bank of America. Why did I choose BoA? I don't know. It was very new in our area at the time and I didn't know anybody who had a BoA account. Everybody in my area used that other bank. Maybe it looked really appealing? I really don't know. I just went there in need of help. I walk into the bank and was immediately greeted by a teller. I told her that I needed to open a checking account. She takes down my name and tells me to have a seat and wait for an available personal banker. While I am waiting, I see a mother and her daughter arguing with a teller about overdraft fees that the daughter made from online transactions. The mother is furiously yelling because she has to pay $1,000 in overdraft fees. She pays the fees, closes the account, curses BoA, and storms out of the bank.

I begin to become worried. I don't want this to happen again. Minutes later, I'm greeted with a bright smile by a personal banker by the name of Tanya. (I still have her card in my wallet to this day.) She invites me to have a seat in her office and asks "So what can I help you with today?" I tell her my about my entire situation and the experience I had with the other bank. It was a long explanation, but I can tell the entire time that she was engaged and listening. When I was finished explaining my situation, she gave a very assuring smile and told me to give her a few minutes. She took down my information and told me that she was going to open student checking and savings accounts for me. A savings account?? Really?? I did not even expect that. She told me all the benefits of having both accounts, overdraft protection being the most important in my situation, and encouraged me to start saving money now to help for the future.

So far, I'm impressed. The experience has been much better than anything I've gotten from the other bank. It doesn't stop there though, while setting up my accounts, she tells me that she was able to set me up with a line of credit and I was approved for $700. A CREDIT CARD?! I told her that I don't know the first thing about a credit card and that I would surely screw up with it! She gave me another assuring smile and told me she had just the thing to help me get started with it. She handed me a small book and pamphlets explaining how a credit card works and pointed out the most important parts that I needed to know about. The credit card companies, my credit score, the whole nine yards.

I walked into that bank with nothing and walked out with everything. Ever since then, I have been wise about my spendings and I've been managing my money like a pro. My credit score is outstanding, and it if it wasn't for BoA, I wouldn't even have one! It's been three years and I have been nothing short of satisfied with their service. People say that something will eventually come up and I'll end up hating my bank, but I don't believe that. As long as I stay wise about my money, I know I will be fine for years to come.

I'm in the process of opening another checking and savings account with another bank for expanded flexibility of my funds. Upon reading the reviews for Chase and Citi on this site, I begin to worry about opening accounts with them. I then read the reviews for Bank of America and then realize that people on here are stupid drama queens who clearly don't know how to manage their money. It's funny how people will only review a bank if they have a bad experience with them, not if they have a good one. Because this, I'm going to consider most of the reviews about Chase and Citi as illegitimate and based on personal opinion, especially all the reviews about overdrafting. If you overdraft, accept responsibility, pay the fees as soon as possible, and LEARN FROM YOUR MISTAKES. Don't make excuses and blame it on the bank, because 99% of the time, it's your own fault and the bank can even prove it. I will be opening accounts with Chase soon.

This bank is the worst bank I've ever had an account with. At first a few months ago they charged me almost 200$ dollars for some kind of "protection" of my account, which I've never heard of, and now I came back from my short vocation and found out I have 9 overdraft fees posted on my account (that is 315$) because as they told me my pending transactions cleared faster than my transfer from one account to another. Funny thing, I left for my vocation on July 20, and at that time I didn't have any overdraft fees on my account and all of the transactions were posted, but when I got back, I found out that i have all of these overdraft fees posted on July 17. And you know what they told me at the bank.... that I shouldn't trust or rely on on-line banking to track my transactions!!! Isn't it ridiculous??? There were times, when I did get charged before, but it was my fault and I'm fine with that, but this, I'm not gonna put up with this any more. I closed all my and my husband's accounts right away. People, stay away from Bank of America!!!

They did the same thing to me. Four overdraft charges posted to my account at the exact same time because they happened to process four charges that day. Even if the timing is correct, which I doubt, since they're known for moving items around in the statement, it should be illegal to charge more than one overdraft fee until the next time the account dips below zero.

My husband and I have been customers of bank of america for 10 years or more. They have charged $35, for a $1.00 transaction. which is crazy; this is Loan Sharking at its worst. They no longer pay transactions as they are made. They now move the transactions around so they'll cause several overdrafts. This is theft! They are robbing us!
Not only do they purposely cause us overdraft fees, they are charging $10 per day on top of that until you pay the overdraft charges they caused. This is Robbery, which is suppose to be against the law. This is very poor business; when a bank robs its own customers, knows they're dissatisfied & continues its practices. Check out http://www.probityfinancialservices.com/default.aspx?v=aa2febe5-1e4a-4563-b3b9-5bed527d23b6
No Overdraft Fees

BANK OF AMERICA HOLD A BUNCH OF TRANSACTIONS THEN THEY POSTED ALL TOGETHER AND OVERDRAFT MY ACCOUNT NOT ONE NOT TWO , BUT SEVEN , YES SEVEN CHARGING ME $245.
EVERY DAY I CHECK MY ACCOUNT AND I SHOWED A POSITIVE BALANCE. THEY ARE LIARS , HORRIBLE COSTUMER SERVICE, I`M LATE ON MY MORTAGAGE AND I STATED TO THEM THAT MONEY IS TO BUY MY GROCERIES THEY REPLY THAT IS NOT OUR PROBLEM , THE FEES ARE GENUINE AND YOU HAVE TO PAY, MY HUSBAND DIRECT DEPOSIT IS GOING SO THEY ARE JUST GOING TO STEAL THE MONEY WHEN IT COMES.

TOTALLY BUNCH OF LIAR AND COMPLETE IDIOTS! IF YOU BANK WITH THEM BE PREPARE TO THROW YOUR MONEY IN TO THEIR HANDS!

READ THIS BOA I WILL CLOSE ALL MY ACCOUNTS , ALSO MY FAMILY AND I WILL THEY EVERYONE HOW YOU STEAL MONEY. ALREADY PUT A COMPLAINT IN THE HELPWITHMYBANK.GOV AND I PUTTING A BAD REPORT ALL OVER INTERNET !!!