Bank Of America Endless Mounting Overdraft Fees of $35.00 Each Oxon Hill Maryland

How much of a deposit are we talking about (roughly, meaning over 500, over 2,000, etc.) and when was it made?

I have been with Bank of America since 2001, and the issues I have had with the exception of one paycheck was my fault. If you make a deposit through an ATM before 8 PM Monday through Friday, it posts at midnight. Cash deposits post immediately regardless of what time of day it is. If you make a deposit in a branch, you have usually till 5 PM (sometimes 7) for it to post at midnight. Deposits have to be posted first. However, if the amount is high, then it may take an extra day or two. Usually you can ask this or it is in writing (Navy Federal Credit Union has a sign where the teller line starts w/their deposit policy and they base it on amount and whether it is a local check or not).

Bank of America shows pending stuff online for the most part. The exceptions, if you write a check and most gas stations. As the previous poster said, that is why you use a check register and hold on to all receipts. Recently, I have noticed that Bank of America will show if a cashed check has been attempted regardless whether it is you writing a check out to cash inside of a branch, or someone cashing a check you wrote to them.

Mike
Waldorf, MD

Jackie - what happened to you at BofA will happen to you at Wachovia. All you have to do is review all of the ROR's here for Wachovia. They do business the same way; you will overdraw your account in the same way and they will hold your deposit until all of your pending items post. In other words, if you see an item as pending in your account - it's already too late.

You're right in that you can't depend on any online balance or ATM balance with anyone you bank with. The balance you should be reviewing is the one in your check register. If you don't keep a register - do it. If you still decide not to, we'll be waiting for the ROR from you on Wachovia for excessive OD fees and how they are misleading people.