I was thinking of giving up my bank account with Bank of America which I have had for more than 15 years for this bank and I set up a checking and savings with them. I also in a moment of weakness took out a debt consolidation loan with them. From day one I had issues. First they don't let you deposit through the ATM for the first 30 days of having your account and they don't tell you that. When you go to an ATM to withdraw money you get blocked from withdrawals and you can only check your account balances, deposit, or get a print out of your account balance. So you have to go into the location and the virtual teller lets you know that the ATM might be out of money or you have to "try again" it could be your card. They tell you that you can set up bill pay but in the mobile app they don't recognize your utility accounts. It's a hit or miss. What upset me the most is that when I was taking out my loan the advisor told me that my loan rate would drop a point after six months of on time payments and now the bank is disputing that with me. Stay away from this bank. My family has accounts with them so I signed up in good faith but it's not worth all the hassles. I am sticking with Bank of America.