There is a $30 annual fee for this card. I flat refuse to pay a fee for the right to access to my money the bank already has and is earning interest on, especially via a service that costs the bank less money than it would if I were to write a check. B of A's regular debit/ATM card is free.

Why pay a fee for a debit card when there are free credit cards (no annual fee) with miles given up-front? You can get a list of these on my web site below. Click on Free Frequent Flyer Miles in the left menu, then on Credit Cards in the top menu.

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The Personal Travel Experience of Gary Steiger - including how to get free frequent flyer miles on the web.
http://home.earthlink.net/~pgary/TravelFrame.html