Bank of America will pick and choose in what order charges appear on your statement, in order to charge overdraft fees. They intentionally re-order the largest amount first regardless of date made, and even whether anything has actually posted or not.
Bank of America will charge an overdraft fee when the system they use, (not available for view by customers), says that you have overdrawn your account. Even when the direct website www.bankofamerica.com says there is money available.
When you accidentally go over by a dollar or two the bank does not give you a chance to put funds in the account because they immediately charge you an insufficient funds fee before the transaction even shows as pending.
With the re-ordering of posts and they immediate NSF charge they have turned one small overdraft into seven. They have done this to me and my wife several times. There have been many times we would check our balance and then the next day (even without spending a dime) our balance wound be at negative 300 dollars.
Keep the change is a bad idea if you do not have a large safety net in the bank it provides an easy opportunity to charge you a 10 dollar fee for transfering the keep the change that has not even hit your savings account where you can transfer it yourself.
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