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BOA will not pull keep the change into your savings if there is a low acct balance and you'll OD.
I work for BoA and bank here as well. I also have a reserve account with a local credit union, and another at navy Fed Credit union.
If you have questions on the Bank's policies please PM me. I cannot waive monthly service fee's, od fee's, open accounts, etc. I work for Global Wealth Investment Management. All of the clients I work with run 500k-3mm in liquid deposits, and are bannered as such. If I touch a non-premier account it raises eyebrows and can get me tanked. I'll try to help as much as I can though.
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