I worked at a payday loan company for a while, which is basically a financial drug dealer, and Bank of America’s policies disgusted even my boss. (we had to deal with a few branches regularly)
Easiest dick move to point out would be the extremely common practice of paying out checks out of order.
Some guy writes a few 20 or 30 dollar checks around town over the course of a week or so, which puts him close to over drawing his account. Then he writes his rent check, a full day after all the others. days later.
BoA will invariably cash the largest check out of order, so that all of the other checks written ding the guy for multiple overage charges.
They do this regardless even of the order that they receive the checks from the various place the guy spent money.
The guy would’ve overdrafted, sure- and he’s bad with money, obviously, but they hit him for 200 bucks worth of fees when he should’ve only had the one bounced check for 38 bucks.