I hate Bank of America more than anything else in the world.  I am a peaceful person who would rather cut off my left arm than offend anyone or get into a fight.  But, I swear, B of A brings out a side of me that I wish I never had to see, and the unfortunate part is that I usually end up taking it out on the unsuspecting customer service rep on the other end of the phone line.  I have never in my life banked with a company that goes so far out of their way to screw people over and assess unnecessary fees.  I have paid B of A hundreds of dollars in overdraft fees over the last year due to their screwed up system and logic that they will undoubtedly try to convince you is somehow appropriate.  For example, I made a charge to Food Lion using my debit card and my pin number, which means that charge should come through on my account IMMEDIATELY.  Instead, it didn't come out for two days, on the same day as an automatic withdrawal for a student loan payment.  The financial geniuses at this corporate mega-money factory decided that since they waited for two days to take it out, now they would take the debits out from largest to smallest, with no regard for the date and/or method of payment used.  So, in a nutshell, I was charged two, count 'em two, overdraft fees and when I spoke to customer service, they simply read the policy out of their little manual, attempting to explain it to me like I have an IQ of 50 with no offer to make the situation better even when I threatened to close my account.  Bottom line:  they don't care about me, my money, my life, or my circumstances.  All they care about is whether or not I'm stupid enough to continue paying them overdraft fees.  I closed my account and switched to a smaller credit union and I couldn't be happier with my decision.