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

Fee problem. I have uncovered deceitful and unfair practice of how bank of america is assessing overdraft fees. As of XX/XX/2018 my actual bank balance ( posted transactions ) was + {$89.00} ( in the black ). However, there were 4 pending transactions totaling {$120.00}. After accounting for the pending transactions, my " available balance '' was negative {$31.00} As a result, and based on my " available balance '', which factored in the 4 pending transactions, I was hit with two {$35.00} overdraft fees on XX/XX/2018. On XX/XX/XXXX, I could finally see all of the activity from XX/XX/XXXX ( this is not visible through online banking features until the next business day ). So I called to ask Bank of America how much money I needed to put into my account in order to ensure I did not incur