Bank of America is godawful and it just got worse. Everyone has problems and in some cases, these problems are not the customers fault. Sometimes direct deposits do not post on time, retailers take dayse, sometimes weeks to process payments, etc., etc., But no matter who's fault it is, BofA will cahrge you a $35 NSF fee on top of another $35 continuous overdraft fee. They purposely put payments through before credits to charge overdraft fees and they don't care if you had money in your account to cover charges at the time the card is swiped. The money will be taken out of your account the same day (meaning your balance will reflect the charge) but it will actually post several days later -- if your account is overdrawn for any reason, it's your fault and they will cahrge you an OD as if you swiped your card and no money was in your account at the time of purchase. They couldn't care less if the date of purchase and your balance that day prove that there was money in the acocunt to cover it. Simply put, BofA is a bank that I would consider predatory. They prey on people with little money and they do whatever they can to collect ridiculous fees and continue to collect fees when its obvious you don't have the extra money for it. They just don't care. How can you get out of the "hole" if they just keep adding fees? Stay away from BofA. They are unreasonable, predatory, and they do not deserve your business.