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Xerxys, this is why my SO no longer uses BofA as his primary bank. BofA did the same thing and then refused to take redundant overdrafts off of the account; they said that the "system" wouldn't allow the local branch to do it. He's now switched over to the local credit union, where you can sign up for overdraft protection if you need it--it's not automatic. I use ING Direct's Electric Orange checking in conjunction with an account at the local credit union. I like the Electric Orange method of overdraft management; you can overdraft up to $250, and they charge you interest on the amount you've overdrafted like a credit card. So long as you pay it off in a timely manner, you're golden.
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If I am not better, at least I am different. --Jean-Jacques Rousseau
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