I chave a reserve account just in case of an overdraft. On 29 March 2010 I had a $5.63 overdraft. I had a positive balance of $20 in my reserve account. Bank o America charged me a $35 overdraft fee on 29 March 2010. Bank of America charged me an additional $35 since I did not deposit the funds to clear up the $5.63 overdraft AND the $35 overdraft fee. I contacted the Bank of America and asked why my reserve/overdraft protection account was not used to cover the $5.63 and the customer service agent told me that the reserve/overdraft... read full review »