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I'd call it predatory, but predatory can still be prevented and it's the second wrong. Always, always have more than enough money in your account. As soon as you spend money that's not yours, and yes they get to write the terms of what constitutes "yours", you have to pay a fine.
I personally have been screwed several times by BofA. I only use them for checking now. Farmers and Merchants is by far my favorite bank, they've been nothing but lovely to me for as long as I've had money in a bank.
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