I have a Bank of America bank account and credit card. The only reason I still have the bank account is I have an overdraft I haven't paid off yet. I barely use the account. I pay $25 monthly for the checking account even though the only use I have for it is to deposit money so I can pay my Bank of America Visa. They don't have a lower cost checking plan. They charge me 23% interest for my $9000 balance because I was one day late two times paying the visa. When I get my finances back in order I will never, ever do business with a company like Bank of America that pays fees before the customer. read full review »