I was charged an overdraft fee because when I swiped my bank card as credit it created my account overdrawn. Why didn't BANK of america decline my transaction so I would have been aware that I didn't have enough money? No, they want your money. However credit transaction takes 2-3 days to process and by the time it processed there was enough money once it was debited from my account so it my account never went OVERDRAW...BUT THEY STILL ...charged me an $35 OVERDRAFT FEE...how is that LEGAL? I am submitting a complaint to Controller of the Currency. Anyone that has complaints PLEASE SUBMIT THEM TO OCC... read full review »