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>>Anyway, I'm not sure about all these fees you've ascribed to B&M banks... I have a "MyAccess" account with Bank of America, which though fee-happy is my bank of choice because their ATMs are so common in California and I like not paying ATM fees. With direct deposit, this account provides free online bill paying, no ATM-related fees (as long as you use their ATMs, otherwise it's pretty steep), and no monthly fee either.<<

Azotic: BofA's MyAccess account is a VERY attractive deal, particularly in California where they waive the usual $5.95/month Online Bill Pay fee. In other states, Bill Pay is an extra $5.95. Still, the MyAccess account remains very attractive for a B&M product, and a customer who doesn't have payroll direct deposit could link MyAccess to ING Direct or USAA and by making a monthly transfer into MyAccess from those accounts would be considered as having a direct deposit.

I do agree with you that in states like California and Washington where BofA has a LOT of BofA-branded ATMs, it can be a very convenient bank and can be very inexpensive if you understand the fee structure.

In some states BofA a waived-monthly-fee Advantage (aka "FirstChoice Gold" or "Prima") account to customers who have qualifying balances on a car loan, home equity loan, or line of credit, or ANY balance on a home loan.

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