I don't have time right now to read through this forum, I have a lot of other issues I'm dealing with.

Basically, my account was closed about 15 days ago, and I have another 15 days to recover the account by paying off the the amount over-drafted.

The reason it's over-drafted is because the IRS keeps emptying my account for money owed to them.

My question is this: I'm overdrafted by about $200. If I don't pay this off in the next 15 days, what happens next?

If I pay BofA the $200 three months from now, will they re-open my account? Will they allow me to open a NEW account?

Will other banks allow me to open a new account before that $200 is paid? Will other banks allow me to open a new account AFTER that $200 is paid?

Chances are you have already been reported to chexsystems. If you do not pay it immedicately, they will for sure close the accounts and report you to chexsystems. If you do pay it ..again they may already have reported you anyhow. You can find out by getting a copy of your report at www.chexhelp.com

If you pay it off in 3 months, NO they will not re-open an account for you and depending on where you live, it can be easy or next to impossible to find a new account. If you open a new account NOW and they haven't already reported, they may report you later and your new account could be closed as well, depending on where the account is at