HELP!

My situation is a little complicated for me to explain, but I will go ahead and give it a try.

I had been with US Bank for about 6 years, but in September, my account went into the red due to one of the payday loans taking $450 out when I thought all payments were stopped. Since then, my account keeps going deeper and deeper into the red because I have no way of paying it off, and I don't know what to do. I should've handled the situation a lot sooner, but I was too afraid to contact them because I was worried about the answer I was going to get (I do have anxiety problems, so I believe that played a role).

Now, I have a checking account with Bank of America. I have been there since August. Here's where it gets complicated: I owed US Bank money on an advance, so I had gone to the local branch, and they were able to freeze my account. Well, what happened was BOA put a hold on a check that I had deposited into my BOA account, which prevented me from paying US Bank back. By the time the money was released, it was too late.

I am now almost $1500 in the red at US Bank, and on Monday, they're reporting me to ChexSystems. I tried talking to someone at Customer Service, and she told me that not only would my US Bank account be closed and reported to ChexSystems, but my BOA account as well.

So, my question is this. Is it possible for BOA to close my account, just because US Bank reported my old account with them to ChexSystems? I have only been with BOA for two months, and I haven't had any real problems with them. I've just had problems with my old bank and the payday loan companies.

I am really scared. I don't know what to do anymore. I feel like my life is over right now because of this. I even told the lady I was talking to (while I was angry, mind you) that I may as well kill myself (but I WON'T do that, I can promise you!) and then hung up.