Bank of America Review

I got an account with Bank of America when I moved to Athens. So far, my opinions are pretty positive. I got a $50 signup bonus, and for the first 90 days they also matched 100% of my "Keep the Change" savings, which racked up close to $250. This was definitely a big reason for my opening an account with them.

That being said, my account doesn't have too many frills. I don't get a high interest rate on my savings (something like 0.002 percent or something - it's negligible) and I'm subject to an account maintenance fee unless I have my paycheck direct deposited every month. I like the "Keep the Change" program a lot; it's easy to overlook how quickly fifty cents here or there adds up, and so far this year I've saved close to $500 just using the program. 

Their customer service is always friendly and helpful, but it can take a while to get in contact with a real person. My card was stolen over the holidays last year, and I was on hold for an hour and forty-five minutes waiting for a customer service representative. My replacement card then took over two weeks to arrive, leaving me without a debit card during the Christmas season! However, I wasn't held liable for any of the fraudulent charges and I didn't have to undergo some big, time-consuming investigation, so that was a relief. Overall, I'd recommend them for a big bank, and their ATMs are everywhere.