I’m reasonably happy with BofA as a customer, and unhappy as a small stockholder. Here in highly populated Massachusetts, we have lots of banking and credit union choices, so it is very easy to move. If bank x is screwing you, you can just move to a, b, or c. I feel badly for folks with few choices. USAA, which once catered to military officers is very good, as they refund most ATM/elec fees. They have , over the years, broadened membership. Basicly if you have ever served, honorably, you can join. If a family member is a member, you can join too, even if you never served. USAA lets you make deposits by scanning a check into your computer, so as long as you have an internet connection, it is easy to be a customer.