I've been with BofA for nearly 10yrs. Check/Sav/CC. They also provide my FICO score updated monthly. 750. I own my home outright. Car paid for but getting old. I make a respectable salary that's directly deposited into checking acct. like clockwork for years. Applied for a car loan. Denied. Asked to have my CC limit raised (a whole $400 bucks) so I keep my utilization down. Denied. I randomly walk into an NFCU after BofA treating me like a clean cut transient and boom! Was your father in the military? Yes! Please deposit $5 to become a member and open up a savings. Ok. You'd like an auto loan.? Yes. Interest rate is 3.79% and you can borrow up to 24k. I opened a checking acct too and will be transferring my business to NFCU. And not electronically. BofA charges $3bucks unless you do bill pay and wait 5 biz days while your $ floats in the air.