Mind blowingly, or not - BofA will charge you $35 for the privilege of printing "DECLINED" on a pinpad terminal.

There is the greater issue, to be sure of managing finances, but charging this fee on -electronic- transactions is highway robbery. Just say "DECLINED" and go on your way.

Oh, and for shits and giggles - Declined? Your friendly helpful cashier may say "Oh, it didn't go through" and swipe your card again. Ding. Now you have SEVENTY dollars in NSF fees.

Good luck getting that fee dropped too. "One courtesy fee reversal per customer per year".