Personally, I do not use a debit card. I'd rather get the FF miles! And since I pay off the balance in full every month, it is the same as using a debit card. (The only difference is that - depending on your account closing date - a purchase made with a CC on November 11 is due for payment on December 22, but if you use a debit card, it is withdrawn on November 11!)

I also like the national aspect of BOA. Even though my account is in RI, wherever I'm traveling, there is most likely a BOA. So even in FL, AZ or OR, I have access to my account. True, there are ATMs, but you don't have to deal with those 2-way extra fees (for using an ATM out of the network - you pay both your bank and the other bank a fee to use the ATM. )