no really. if you say you want to use your debit card as credit, it does take longer. i have bofa.

oh. idk. my credit card is SO over the limit i don't even say the word credit out loud. i tell them it's debit before i even hand over my card.

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i mean. not MUCH longer. but a couple hours. bofa likes to process things in timely manners. i know if you do that with a wells fargo card, that **** doesn't get processed for 3 days. but w/e.

i hear wamu is the best for people without direct deposit who spend more than they have. which reminds me, when i went without dd i couldn't overdraft without incurring fees every day i was over the limit. and they put fees on top of those fees. so i mean. i hope you have dd orchestral. otherwise you're gonna get ****ed real hard.

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ok so when you overdraft they'll charge you the 35 fee for each transaction that goes through, ranking them in order of size from smallest to biggest so they can assess fees for as many as possible

and then they will charge you a DAILY fee if you don't add some money and get your account into the positive within a day or 2. so a week and a half out?? you're talking about racking up some serious fees. bad idea. i dont' know how much the daily fee is.

i overdraft all the time and then transfer money off our equity line. it's the american way