This is just classic big bank behavior of the 21st century. After depositing money at 10:18 PM (time will be a theme here) into a Bank of America ATM I subsequently logged into my account via my iPhone app to schedule a transfer to my savings account. I proceed through the prompts and reach the final screen before the transfer is completed. At the bottom it reads "Make sure there are sufficient funds in the From account. Otherwise, overdraft, returned item, or other fees may apply. See your Account Agreement and Fee Schedule for... read full review »