At the beginning of college, I'll admit I was irresponsible when it came to my finances. But 700 dollars later in overdraft fees, I've learned my lesson well. It's been a year since I last went negative in my account. I log into my account and find that I'm overdrawn nearly 200 dollars. I call the bank to ask why. Apparently there's been a policy since march 2008 that distinguishes an available and a current balance yet it's july of '09 and this is the first time I encounter this problem. Long story short, these greedy jerks are charging me overdraft fees when the money that I use IS IN my account. I in no way overspent more than I had but for that reason I'm paying for 7 x 35.00. The most ridiculous and unnecessary problem ever. Best advice, don't get this bank. If you have to because you realize that all banks suck overall, then don't invest so much effort into it, JUST USE CASH!! Bank of America sucks donkeyballs with salsa. Their phone representatives have mean attitudes and are generally unhelpful. They talk down to you and it's highly disrespectful.
