According to the BoA rep the only way to avoid the fees would be to instantly transfer funds from another BoA account.
I have money, but it would take too long to post to my BoA account. If I went to an ATM, the cutoff for all transactions in NYC is 5PM. The cutoff for online transactions is 10:45PM.
The way they post transactions to your account, even ATM withdrawals made me end up in the red for a few hours. Sucks im going to get $140 in OD fees because I bought a $10 pair of RLP swimming trunks, $4.99 breakfast at McDonalds, & some gas, all today up until 6PM.
They posted the ATM withdrawal from Monday first, which left me in the red. I like BoA because if I make a deposit at the ATM, the funds are immediately available. But they suggest I keep a 'register' of purchases to avoid this. Why even have paperless checking.
Anyway, thanks to all of you who attempted to help.