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| - I've read all the reviews, and I have to say that I've not had any of the horrible experiences with BoA that others have had. I only have a checking and savings account with them. No credit card, no mortgage, or anything else. Having said that, I'm pretty satisfied with them. My direct deposit and account withdrawals have been posted in a good amount of time. I like that you can reconcile your account, as it helps me keep tract of what has posted in comparison to my budget program. If I could find a local bank which has that feature, I would switch over.
The email notifications are helpful. If you use the bill pay service, utilize the reminders. The only problem I've ever had with the bill pay service is if my pay-to account cashes the check before they're supposed to. Each time this has happened, BoA has refunded any NSF fees received due to that occurrence.
So all in all, I would recommend BoA if you can't get an account with a local credit union or bank. And only if you get a checking/savings account and nothing else. And make sure you are meticulous in your spending to avoid overdraft fees, as they post transactions from largest to smallest, not oldest to newest. Good luck!
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