Bank of America Bank Account Or Service Complaint

Bank of America Bank account or service department,

Checking account Problems caused by my funds being low California

I opened a checking account at Bank of America and elected to not have overdraft protection. About - months later they covered a debit card overdraft for less than - dollars and charged me - dollars. I contacted them by telephone and explained the situation, they reimbursed my account and I was satisfied. Then - months ago they hit me again for - overdrafts.This time when I called them I got the " POLICY '' run around and they refused to reimburse me. Can an institution violate terms of a contract by declaring a " POLICY ''?