one of my MS buddies have a similar experience she told us doing our regular MS meetings. She deposited MOs which she thought had already cleared (apparently the MOs were put on hold fwr) so when she did ACH pulls from her CC accounts, her account went red. BoA closed her account and placed derogatory remarks on her chexsystem report; from then on, she couldn't open more bank accounts. She tried to dispute that report but BoA wouldn't budge. She has "lost" a lot of bank bonuses for the past year; she told us to beware of the constrictor species!