I've had a distant (as much as possible) relationship with bank of america for the past 10 years. Hands down, this is the worst bank that exists. If you can, get Chase or Wells Fargo.
I accidently made a slight underpayment, and as their supervisor told me, they have no ability at all to waive late fees. I told them if they wouldn't I would leave a negative review. Apparently their company practice of charging a $30 late fee is worth a negative review to them. These guys absolutely suck and don't expect any leniency if you accidentally pay too little!
Can't wait for this bank to get up-ended by better customer service banks!