That is why there is a sign posted at the teller window and driver thru that reads "Money deposited after 3:00 will not be posted to your account until the next business day.
Again, simple rule, Do not spend more money than you actually have in your account.
And that is why they LOST this class action lawsuit. It turns out that money deposited BEFORE 3:00 PM will not be posted until the next business day, either. At least in terms of timing your payments and deposits.
False advertising, you know...
BOA plays games.
They have their own version of a Ponzi scheme going on. If you have never been a customer, what you read might sound like a bunch of bank cheats making excuses. If you have been a customer, you know these posters speak the truth.
I make it a point to make all of my deposits inside and I go right to the branch manager when the games begin. My local branch is okay, everyone I deal with is very nice, but I would not give a flying you know what for anyone at the other end of their 800 customer service number. I have caught them in more than one lie.
A warning about the online banking at BOA.
I have learned to take screen shots of my online transaction page, especially when I am tracking pending and posted transactions. Items that were paid yesterday might be pending today. A deposit that was posted 3 days ago might be pending tomorrow if it is an out of state check.
What you see on the screen does not always reflect true account activity.
I only stay at BOA because the employees at my branch are truly nice people. But I do not trust the institution at all.