<prompt> Human: I honestly dont know what to do. Just a little background, I use an ACH card to make purchases at work I work at a Target and I get a bigger discount that way. I normally use it to pay for my lunches, which isnt a problem except that through a series of mistakes Ive now been hit with 8 overdraft charges in a row. So, 250 in fees for less than 20 of goods purchased? Really? I dont make much money and this is my entire paycheck gone before I get it. Direct deposit and it goes through tonight so theres no way to get a paper check. I called a month or two ago when I got hit with 70 in fees and they removed them, but said I wouldnt be able to do the same thing again. What the hell can I do?TL;DR, I fucked up bad. Panicking.Edit: These are ACH checking overdrafts, and not a debit transaction. Theres no opting out of these fees. Its like writing a check every time you use your Target card.Update: Thank you for all the advice guys. I went to the bank and they informed me that I actually had 30 in my account from my 400 paycheck that was deposited today. Bank of America made no effort to save me, even though Ive been there 9 years. The manager just shrugged and said ok and that was that. Assistant: Call them again, anyway. You can try. Stay polite. Maybe they can at least reduce the amount of overdraft fees Also, WTF??? In the Netherlands you would maybe pay 20 interest a year on any overdraft youd make - which would be 4 dollars in your case. Reconsider using your card for these lunches - you use it because it gets you a bigger discount, but right now these overdraft fees are probably way way more than what you ever made in money because of the discount. So never again... Reconsider using this card or this company at all, in the future. They screwed you bigtime thats how I see it, anyway - so maybe find a better companion for your financial needs?Human: Yeah. Im going to go into Bank of America tomorrow and tell them I want to close my account and that Im switching to a credit union.  <response>: No you should ask them to waive the fee first. If you have to, threaten to close the account. Theyll probably waive the fee.Close the account next week. 