I have been fired from employment at BAC for the reason of personal account missue they are appealing unemployment I did not intentionally overdraw

Most state unemployment laws provide that you cannot obtain unemployment if you were engaged in "misconduct".  This term includes not just obvious matters such as insubordination, fighting, etc., but applies to actions that are within your control but violate a known policy.  For example, if you are five minutes tardy to work, and your employer warns you that further tardies will result in your termination, and you still come to work late, you will might be denied unemployment because you were warned about the rule and it was within your control to be on time. In your situation, if the rules were clear and you knew that being overdrawn was against BAC rules and you continued to let this occur, you may have a problem.  The fact that you were employed for 3 + years is not relevant.  The only argument you might have is if you can prove that this was done by other employees at least as often as was done by you, and nothing was done to them.  That would prove that while it was a rule, it was not rigidly enforced.  This may allow you to get unemployment.  You can make the same argument if you did this before and nothing was ever said to you, thereby leading you to believe it was not deemed to be a serious violation.  The company would not need to issue you prior written warnings; a verbal warning would suffice to block your unemployment