I OPEN A, ACCOUNT WITH BANK OF AMERICA AND PUT $20.00 IN THE ACCOUNT. I SENT $15.00 OUT OF MY ACCOUNT WITH MY ATM CARD, IT IS SHOWING THAT ON MY ACCOUNT. THEN I LOOKED AT MY ACCOUNT ON-LINE AND I HAD ALL OF THESE OVERDRAFT FEE'S, FOR A PROGRAM THE BANK SAID I SINGED UP WHICH I HAVEN'T. THIS PROTECTION PROGRAM I DIDN'T SIGN UP FOR COST $38.98 WHICH WASN'T IN MY ACCOUNT AT THE TIME. THE BANK CHARGED ME FOR THE PROGRAM AND ALSO STARTED CHARGING ME OVERDRAFT FEE'S OF $35.00 EACH ALMOST AS MUCH AS THE PROGRAM, I HAVE 3... read full review »