Frustrating is the best word to describe this bank. Confusing and misleading would be my second choice. This starts with initial account opening to their on-line banking websites and their personal credit cards. When I opened the account it was set up as where to deposit, withdrawal or transfer my funds would be with their ATM's or on-line banking only. If I were to use a teller for any of these, it would be a $3 teller-fee, each time. They waived it for the first year. It was not my primary bank so I forgot the time line.
I was also informed the debit card would only be allowed to withdraw $300 within a 24 hour. When I needed to withdraw $500 for a security deposit on an apartment, I went to the teller thinking to take it all out with her. She never informed me that I was being charged $3 which was taken from the checking portion into the savings account. The checking portion I never used so then I went negative on the account and got over-draft fees. Finding none of this out until I get the paper statement.
I go into the branch three different times to get it straightened out during which I would spend my time on-line and on the phone with customer service setting up on-line banking. I had applied for a credit card during that time and the website was not allowing me to add it to my accounts with BoA. The way the website was set up was I had have them make the accounts viewable together because I opened the checking in WA state and the credit card came out of AZ even though I reside in WA. Their servers did not work together as WA, OR and ID have separate on-line ID's.
Because of all of this, I closed my account. THEY CHARGED ME $3 "teller fee"!!! Spent three months arguing with that because you have to see a teller to close the accounts! Then, my credit card on-line banking stopped working because of closing the other accounts. Spent transfer after transfer on the phone to finally get a new ID set up for the credit card.
I will never do business with them again and warn as many people as I can about their banking.