[moehoward]

"One is lent money on their signature, their sacred word."

So signing the contract binds the borrower to some higher conditions not included in the contract? I fail to see how either parties "sacred word" is diminished by exercising contract provisos both agreed to.

And, again. That has nothing to do with BoA debit card fee. I supposed the bottom line is, all they're doing is upping the cost of a BoA checking account. If that makes them too expensive to do business with, people will walk away. I did years ago.

[I see my hands]

People who pay their obligations as promised and on time don't have to debate "provisos" lol. And in most cases those who do debate provisos have had courts rule against their bogus interpretations and they lost their homes. Sadly too few learn lessons about responsibility in the process and spend their energy trying to convince themselves that their convoluted excuses are valid.

The $5 fee for debit card service is no different than the $12K fee jet ski dealers charge for their product. But you're right; we all make decisions.