I fired BoA as well and made my wife quit them. We were lucky enough to get her a USAA account while they were still offering them to spouses of kids who's parents served. BoA dinged my credit on a mistake that they would not admit to because it was too complex for them to understand. I tried to fight it, but it became too much of a pain. Ended up washing off my credit report after a number of years. They are a total mess. Essentially, no one had the ability to make decisions that could help the customer. It was like the DMV of banks.