I know [a lot](http://www.jayallen.org/journey/2004/07/bank_of_america_sucks) [of folks](http://liberalserving.typepad.com/liberalserving/2005/09/bank_of_america.html) [have had trouble](http://www.rateitall.com/i-10199-bank-of-america.aspx) with [Bank of America](http://www.bankofamerica.com). So far, knock on wood, I’m not one of them.
We opened our accounts (both personal and business) in Connecticut when it was Fleet Bank before we moved and since BoA is *everywhere* it was easy to pick right up here. My accounts all switched over completely to BofA at the end of June and so far, I’m not disappointed.
First lesson: Don’t [talk to an online bot.](http://ponzarelli.com/blog/_archives/2005/9/25/1255721.html) Pick up the phone. Every time I’ve done so, I’ve spoken to a human being at BoA in under 3 minutes and I’ve never ended a phone conversation dissatisfied. If anything, I’ve been very pleasantly surprised at the level of service I received. Online chats for anything other that routine sales questions are a disaster. Not just with BoA, I’m talking about Dell and every other company that has tried it. Can you imagine having a conversation where you say a sentence…wait…wait…wait…the other person answers with a question, you answer the question…wait…wait…wait…they come back, you answer…wait…wait…wait… It’s maddening! It’s doesn’t work. Either send an email or pick up the phone, you’ll be much happier in the long run.
BoA’s online banking and Quicken integration is the best of any bank that I’ve ever been with. I’m comparing it to [Peoples](http://www.peoples.com), Fleet, [First County](http://www.firstcounty.com) and [Emigrant](http://www.emigrant.com) which are the other banks I have experience with. BoA’s website features blow them all away and work reliably. When I started with my new BoA account, they charged me $6.95 to use it with Quicken. I called to complain, as I wasn’t told there was a charge. The CSR reviewed my accounts and offered to move me to a plan that had free Quicken *and* a little better interest to boot without costing me a dime and she refunded the $6.95. What’s wrong with that?
As our personal and business needs have changed, I’ve called BoA to discuss our situation and each time, the CSR has guided me towards options that maximize our money for minimum fees. Minimal upsell. Like I said, no complaints.
Note: I don’t have any credit cards with them and I ignore all direct mail promotions. That probably helps my opinion tenfold.