I recently had $245 in overdraft. I paid them out of good faith and then I contacted the customer service line which took about an hour to get through and they said there was nothing they could do about it. This is a prime example of corporate America taking advantage of the small, blue car, poverty stricken customers. I advise against banking with this company because there's been nothing but problems since opening my account just two months ago. So in the future, if you have any preferred banking, do not go to Bank of America. They're all about making their money.