Checking or savings account — BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Non-sufficient funds and associated fees. My mortgage from XXXX to XXXX on the XXXX of month. XXXX sends me notification XXXX XXXX California and levies charges. When I complained to XXXX, I was told that thats what it is. This also happens with my XXXX XXXX XXXX. I think these institutions should use California time because even though I make a deposit before banks close at XXXX they tell me they use XXXX. I think XXXX XXXX should demand.