The cheapest way to get them is by using your card's debit function, which takes the money directly from your savings or checking account, although a transaction fee may be charged.

最便宜的方法是直接从你的现金或者储蓄账户取钱，虽然会收取一定的手续费。

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It is unclear whether the bank, which counts more than 55 million U.S. households as customers, will stick with its initial idea for a basic flat-fee checking account that doesn't offer a way to avoid paying a charge.

WSJ: Bank of America Weighs New Set of Fees

Bank of America, the largest bank in the U.S. based on the level of deposits, is testing a new fee structure for its checking account service which used to be free.

FORBES: Bank of America Could Nickel And Dime Its Way To $16

Banks are marketing either a program where overdraft transactions are covered for a fee or one that allows you to link a checking account to a savings account, line of credit or credit card so if you overdraw funds are transferred in as needed, says Greg McBride, a senior financial analyst at Bankrate.com.

WSJ: Say No to Overdraft Pitches