<prompt> Human: Hi PF,I have a checking account with BofA that has around -230.00 175.00 in overdraft fees. I recently got an ok job and opened an account at a credit union. I wanted to know what everyones opinion would be on closing the BofA account or if it would be possible and what effects that would have on my credit, etc. I know I would probably be reported to CHEX but since I dont plan on opening any other bank accounts soon, I dont see how that would be a problem. Anyways, any help would be appreciated. Thanks!Edit: Thanks for all the advice! I went and chatted with them online and I ended up getting 140.00 credited back to me!!!  <response>: Send them 230... Theyll be happy to close it for you. 