Ohhhhh Aerrica....I am so sorry!!! I hate it when the bank screws up!!!
First of all, I thought all deposits with any bank have to be made before 2:00 each day for them to count for that day. After 2:00 it rolls to the next day. That is why the bank is so busy around 1:45 each day. But maybe ATM deposits are different.
You need to go into your BOA and speak with someone in customer service. They can remove the USF fees. THEY HAVE THE AUTHORITY so beg them!!! lol Explain that you truly felt the money was there and you would of never of written checks if it wasn't. Also have them set up an overdraft protection for you. I am an Accounting / Corporate Finance major but I rely on that overdraft to cover my butt every month. Balancing a checkbook should be very simple but there is always something that throws me....every month I find a careless error that I have made but that overdraft saves me from USF's.
I hope you get everything straightened out!!
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