<prompt> Human: Unfortunately I made a stupid choice to overdraw my BOA checking account about 350..I dont have the money to pay back right now or really anytime very soon..Best advice? Close the accounts?? Ugh help  <response>: If you dont pay it back quickly BoA will close your account and send the amount owed to collections, in addition you are likely to be unable to open a new account at another bank.Best advice is to find a way to pay them back quickly. Sell some stuff, sell plasma, sign up for Uber, deliver pizzas in the evening, ... 