Bank of America has recently changed their method for charging overdraft fees, and it has been previously reported on the site. They now charge a fee if your account is in the negative due to pending transactions, even if you catch it and move more money into the account. Not only do they do this, but they also post charges to your account in order from largest to smallest, instead of in the order they were made. Obviously they do this to get as many fees as they can. I was recently charged over 400 dollars in fees, and only had SOME refunded after we were able to contact local congressmen. I am closing my accounts as soon as possible, and telling everyone I possibly can to do the same.
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