[trumandogz]

The formula is quite simple:

Never write checks that total an amount more than the amount of cash that you have in your checking account.

Or you can run your finances by writing hot checks (stealing).

[Eagle Eye]

Do you need a reading lesson or did you not bother to read the posts?

[rabscuttle385]

Never write checks that total an amount more than the amount of cash that you have in your checking account.

Look at my previous post.

I put cash into my checking account.

I then went home and transferred funds into my savings account from my checking account.

Bank of America's computer systems moved money back and forth between my checking and savings accounts in highly contorted ways (my savings was set up for overdraft to checking at the time) that ended with an overdraft fee AND a savings account low balance maintenance fee.

Try explaining how I got slapped with fees anyways, including a low balance fee on my savings account that I discovered too late to contest.

[MarkL]

The formula is quite simple:

Never write checks that total an amount more than the amount of cash that you have in your checking account.

Or you can run your finances by writing hot checks (stealing).

Just make sure that you've always got your deposit slips to prove when you actually made the deposits. I've been hit with NSF fees when I never actually ran low on money in my account. It wasn't with BofA, but I had to go back and show my bank that I had made a cash deposit more than 3 days before the date that the checks were processed.

Mark

[auntyfemenist]

Not necessarily, as a previous post pointed out, you deposit $1,000 in the morning, your deposit slip shows you have a thousand, then in the afternoon use your bankcard for a $900 purchase and they count the debit before making a final post of the deposit thus charging you overdraft fees.

I don’t even own checks. I strictly use bank cards. At least if I get an over draft now, it isn’t more than one purchase because the bank card will decline after that.

I have had this happen and in that amount too. One of the things that makes me mad about banks is they hit you with big fees and act like they are punishing you for being naughty somehow, but that fact is if no one had any overdraft or NSF fees for about a week, they would all go belly up.

[nevergore]

Your right about the concept...very wrong about the practice....read post #10....

This is what BoA is doing right now....they are thieves and liars hiding behind a corporate shield and psuedo-self righteousness....