stay away from bank of america. i have just a basic checking and savings and the nightmares i've had with them are unbelievable. besides the fees they sneak in all over the place, their customer service is horrible, they don't keep any notes on your account so every time you call them you have to tell the WHOLE STORY over again, and they just repeat their mistakes. when you call for your balance it's not always updated so they can force you into an overdraft via bogus information. i've been trying to get them to take the sections off my account for 7 years now (account 1, account 2, etc.) so every time i use a no name atm i pick the wrong account and get locked out. they impose withdrawal limits and spending limits and there are "layers" to the limits, so just when you think you have the issue straightened out, BAM, there's a new limit that no one told you about that last 10 times you called so you have to call again to get your money.
the fucked up thing is i opened the account there because of their numerous atms all over the place and now i have a debit card anyway. their atms are always busted, out of money, no pens, stink like bung, the door lock is always broken so you can get robbed. i hate them i hate them i hate them.