This is referring Bank of America system which charging me checking monthly fee for $ 8.95. So decide to close one of my checking account to avoid loosing more money for this ridiculous fee. Tried calling to close the account July 11 at 17.00 and was answered after 25 min on hold. Worst part, the woman on phone could not handle the checking account matter. Really! And again put on hold by her for how long? Simply a very ugly customer service. Tried to chat to close my account. System mentioned the agent would be available in 4 mins. Waiting and when 4 mins run out, when ready to type suddenly chat is not available. Wish the system will not charge me over draft since this bank seemed don't care with customer but just rip off the money!