if you the *** that can not maintain your checking account and is constantly overdrawing it, PLEASE do us a favor and close your accounts and take your business else where. You will quickly learn to find that the same practices and policies that BofA engage in, other banks do as well, weather it be processing of items or sticking by its policies of cut off times and deposit holds.
I am tired of hearing the same old story every day about why your account is overdrawn (especially on Wednesdays). We at customer service DO NOT want to hear your life story, suck up the fact that you screwed up, mismangaed your finances and are now being assessed fees. If the fees were applied and it was due to BANK ERROR, we will acknowledge that and fix our mistake - even if you do have to call us about it. But if you make purchases with your check card over the weekend, you should know that those items DO NOT POST to your account UNTIL they go through processing the next business day (Mon-Fri). So when your account goes through processing Monday night and you have a outstanding check come in causing your account to become overdrawn, DO NOT CALL US to see if we will give you back the overdraft fees, because they are not result of any BANK ERROR, you screwed up, not us.
As far as processing of items, Bank of America like any other bank in the country, POST all credits (as long as we have it before the cutoff time for your state) before any debits AND we process items largest amount to smallest amount PER federal law (except in the state of Nevada, because of the state law and gambling combined together).
We associates at Bank of America try do our best for whats right for you as a customer and provide you with resources to help you better manage your finances (automated system and online banking), but it is ultimately the responsibility of YOU (the customer) to make sure that your transactions are recorded in your check register. Once you have that information, you should know where your balance stands.
I get paid to provide you with information regarding your account and to educate you on how your account works and other products and services, but the moment you call me, start dropping "F" bombs towards me, pretty much calling me incompetent and trying to tell me how to do MY job, customer service for you goes out the window and i'm not gonna sugar coat *** for you.
The moral of the story for today kids is:
*be an adult and take responsibility for your *** up on your account.
*do not call customer service with an attitude like we owe you anything.
*when you do call customer service, be NICE and receptive of what we have to tell you and as a result, you won't receive "bad" customer service back at you.
FYI to those verbally abusive customers, we do reserve the right to close your account and send you a check in the mail of your remaining balance for your abusive language. Keep it up and we will report you to Chex Systems as well to prevent you from opening an account any place else.
Thank you for reading, enjoy your day.
Any questions, comments or concerns email at
Product or Service Mentioned: Bank Of America Online Banking.