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Old 06-20-2010, 07:22 AM   #1
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Bank of America

Long story short, My gf Bank of America acct is overdrafted but I have the money to fix the problem. Does anyone know that if a PMT is Processing and NOT cleared will be she charged the Overdraft fees? BOA cx service number is closed so i cant call them. THANKS
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Old 06-20-2010, 07:24 AM   #2
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Persoanally I deplore BOA. but you can make an "instant" payment, for a cost to them, it used to be $10.00. You do have to do this via internet, hope that helps.
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Old 06-20-2010, 07:27 AM   #3
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Quote:
Originally Posted by Johnny M50 View Post
Persoanally I deplore BOA. but you can make an "instant" payment, for a cost to them, it used to be $10.00. You do have to do this via internet, hope that helps.
what do you mean?explain? i have the cash and just need to deposit it
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Old 06-20-2010, 07:29 AM   #4
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She will be charged, Also if you go down to a branch and talk with them, They might be able to waive the Overdraft fees.

Look on her online banking and it will show everything that is charged or posted.
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Old 06-20-2010, 07:30 AM   #5
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Yes, she will be charged the Overdraft Fee.
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Old 06-20-2010, 07:30 AM   #6
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my experience with BOA is that if there is any doubt wether or not you are going to be charged a fee, you are.
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Old 06-20-2010, 07:33 AM   #7
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Speaking from experience. I believe BOA gives you up to five fee waiver. Call them and tell them you thought you have funds in there and what they can do to help. And they will offer to waive the fee. And yes stay away from BOA. When you have funds in there and swipe your card, it will take a day or two for them to withdraw. But when you have little to nothing in there and swipe it. It's overdraft within a few minute. I have experience that. And so as everybody else I know. Good luck
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Old 06-20-2010, 10:59 AM   #8
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Quote:
Originally Posted by BradleyScottETC View Post
my experience with BOA is that if there is any doubt wether or not you are going to be charged a fee, you are.
This. BofA is the devil. As are all big banks. Its all about the local credit unions
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Old 06-20-2010, 11:05 AM   #9
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Quote:
Originally Posted by cummins6speed View Post
This. BofA is the devil. As are all big banks. Its all about the local credit unions
Yup!!!!!!!

As for your question, try going to your local branch and maybe they work with you.
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Old 06-20-2010, 11:10 AM   #10
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Boa = pos.
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Old 06-20-2010, 11:47 AM   #11
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I don't know about BOA, but I bank with capital one. With capital one if the payment is still processing and I deposit the money before the payment clears then no overdraft fee. As soon as the payment clears and if i'm in overdraft, then I will be charged an overdraft fee.
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Old 06-20-2010, 01:09 PM   #12
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From My experience Bank Of America has been good to me, From what my friends tell me he's been screwed over by his credit union Multiple times.
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