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With the unemployment rate at about 10%, you’d think landing a job in times like these would be enough to make anyone unequivocally happy. But a long-term period of unemployment can bring emotional baggage and financial stress -- even after the new job begins.

Bank of America customers will no longer complain about that $40 cup of coffee because they won’t be able to buy it if there’s not enough money in their debit account.

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Bank of America said it will soon prohibit most debit-card transactions if the account owner doesn’t have money in his or her account, and other banks are expected to follow suit ahead of new rules that will require banks to alert customers before covering an overdraft.

NEW YORK (MarketWatch) -- Bank of America Corp. is expected to say on Wednesday that it is eliminating overdraft fees on debit card purchases, according to published reports. The Wall Street Journal reported Wednesday that the bank is ending the $35 fee in an effort to keep ahead of new regulations. According to the report, after the new plan goes into effect, bank clients with insufficient funds will be denied the purchase. The paper said that the new policy will take effect for new accounts beginning June 19, and for existing customers in August.