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I have a checking account with B of A, I don't remember which one. I do know that I have direct deposit, and with that said I have free checking, including BillPay, which I've been very happy with.

My girlfriend has a Wells Fargo checking account, has direct deposit, and had to pay a monthly fee for the online Billpay service. She frequently comments that she should switch to B of A, especially since there are far more B of A ATMs in our area than Wells Fargo ATMs (Southern California).

Best of luck!

- Jason
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