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Bank of America has been an over-all great experience over the last few years, but it is a program based in banking, and when there's money involved, there is always a fight between parties about who gets the cash. Newer programs like Keep the Change offer more incentives to banking with Bank of America, more than ever!

Bank of America offers free checking to most people:

:

If you are a student
If you receive direct deposit

But, Bank of America doesn't offer free checks- one mark against them.

This particular bank does offer 24-hour over-the-phone live assistance and services including but not limited to:

Account Balances
Account Transfers
Questions
Banking Centers
Detailed Account Withdraw information

Online they feature a secure site with multiple protections on your account.
The website is easy to use and navigate, and it's simple enough anyone can understand it. It's also endearing with the ability to personalize (to a degree) your page and greetings.

Website features include but are not limited to:

Account Balances
Account Transfers
Questions
Banking Center Locations
Payment options for their Credit Cards
Detailed and Itemized statements
Visuals of checks used
Reorder forms for checks
Personal Information Change (address, phone, etc)
Keep the Change Tracking

Luckily, one of the newest programs introduced by Bank of America, Keep the Change, allows the bank to encourage savings and loyalty. Keep the Change rounds up every debit transaction in a given day to the nearest dollar. At the end of each business day (Sunday transactions are recorded on Monday) the difference between the rounded number and money spent is added up and deposited into your linked savings account. Each year the bank will match the saved money up to $250, but the catch is that you cannot withdraw the Keep the Change money- it will not be matched.

On some accounts the bank will charge you a fee after a certain number of savings transactions, but when you have Keep the Change, the fee will never be applied because of the program. Even if you aren't too keen on the money matching, Keep the Change is worth avoiding the Savings transaction fees.

One downfall in the online system is a lag between the Available Balance and Current Balance.

The Available Balance reflects up to date changes including withdraws and deposits to the account, but the Current Balance may reflect either more of less than the available amount. This lag is difficult because the most recent debit or check transactions

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