Sometimes that doesn't work. I called Bank of America on the phone about something similar. They processed a credit card payment (to themselves!) which sent me

Sometimes that doesn't work. I called Bank of America on the phone about something similar. They processed a credit card payment (to themselves!) which sent me slightly into the red before my paycheck on the same day. This was the second time this occurred. The first time, a decent CSR returned the fee. The second time, I was denied. Instead of calling again for another CSR, I decided to just go to a physical bank to talk with a manager. She said that the case was "already decided" and there was nothing she could do about it. She said she would have fixed it if only I hadn't talked to a rep on the phone first. I immediately withdrew all of my money and closed the account, thinking that maybe she'd fix things before I got through with that. Apparently, she really couldn't do anything. Now I'm with Wachovia. I had been with BofA for 10+ years before closing the account. Things are fine with Wachovia so far but I expect that, eventually, they'll end in similar fashion. I also learned during this whole process that they'll send you an alert AFTER you go into the red but not before an automatically scheduled payment is set to go through that would put you in the red. That would have been nice since I could have delayed paying the credit card account until I was sure that the paycheck would be processed. Of course, such an easy-to-implement system would reduce the late fees they rake in. My new bank has the same set-up.