I used B of A during law school. When I graduated, my firm had a deal with Citi, so I moved over there. I bled my B of A balance down to 0 (or close to it). I tried to withdraw the remaining cash from the account from an ATM (probably a bad idea). Turns out, I misjudged the amount I had left in the account. B of A was kind enough to let me withdraw the amount I wanted...and slap me with an overdraft charge immediately thereafter.
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