Bank of America are nothing but white collar thieves, they take almost $9 a month in maintenance fees over $100 a year. If you are a young person with only a few hundred dollars, you will end up with nothing just for allowing them to keep and invest your money.
Even their e-bank account sucks, they will charge you even if someone else deposits money into your account for you. Go to a Credit Union or Wells Fargo and escape being ripped off.
They have to hire tellers anyway so why do they charge even if you do not have any transactions!