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Duck,

Nothing personal but if BAC is giving you free checking and it ends up costing them $4.00 a month in check clearing fees, wouldn't it seem wise to wipe the loss, i.e. you, off the books and move on. Going to Washington Mutual is not only wise to you but also to BAC. True, if you were using other bank products, they may reconsider but in short, you are a liability, not an asset, for the last two years as well as at this point in your financial life.
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