Bank Of America Took Advantage of their Overdraft Policy overcharged my account with their fees. East Point Georgia

your at fault, deal with it. You need to keep a written record of all transactions. Like it was said, .01 cent overdraft, is still 35 dollars. Deal with it, stop complaining, this is not a ripoff, if anything you ripped of BofA with your reckless spending!!!

Juan, you had me cracking up. The banks you listed - have you looked on ROR for their complaints? Do any of the complaints sound familiar? They should because all banks are the same - as Robert indicated. The MINUTE the pending transactions were on the account - it was WAY TOO LATE for you. Those overdrafts were yours and no deposit to the bank would have fixed that!

It's also irrelevant as to how much you overdraft the account - it could be $0.01 and it would not matter. OD fees are a penalty for people who can't properly look after their accounts. You need to:

1. Keep an accurate register with your transactions in it so you know what your balance is at all times.

2. Stop using the online system as a substitute for a check register; it isn't a register and was not designed to replace your register.

3. Stop using a debit card. Stick to checks and cash.


There is a lesson here for you. Learn from it.

All that Robert said is absolutely true....however I would empasize keeping an 'up-to-date' bank register, so you'll know EXACTLY what you have, and then not being even $.01 short!!!

Sorry if this sounds rough but you overdrafted your account...Case Closed. They would have done the same thing if it was $0.01 or $100. You can't beat money back to the bank, so if you put money in to try and cover your "pending transactions" you were already too late.

By the way all banks are the same, and the ones you mentioned would do the EXACT same thing. The best thing you can do is manage your account properly. This includes knowing your banks funds availability policy, using a register to write down transactions as you make them, and never spend more than you have available at the time you swipe your card or write the check.