I stay away from ANYTHING with the BofA name on it. IME they have suspect products and terrible customer service except when they can make money (ie credit cards for people with no identification at an exorbitant rate, yet no cards for people with ID and jobs for years.) If I could get rid of my last remaining BofA product I would except that the govt requires me to use it to pay for my travel expenses. That is criminal as well, but for another post at another time.