[Saving in So Cal]

I have banked with BofA for years and have relatively good dealings with them (maybe 3 or 4 bad experiences over a 15-year period.) When I have to complain or work something out, I call the 800 customer service number. I don't go to the branch. It use to be that going to the branch would get you more personalized customer service, but that's not the case any more.

On the issue of fees, they do have a lot of fees, but I doubt it's more than other large banks. If you get their top-of-the-line account, most services are included with no additional charge. The balance requirements aren't that onerous, so that's what we did.

If you want low fees and more personalized branch service, you would probably be better off with a local credit union. Several people I work with go that route for that reason.