The Bank of America branches offer excellent services. I found out the hard way though, when you call the toll free numbers for help, you actually get a third party call center located somewhere outside the US. I had an incident last week that I needed resolved and my hats off to a gentleman named Gary at Broadway and Wilmot whom spent almost 1/2 hour on the phone with me to resolve an issue. He took "ownership" of my problem. To me, that is great customer service. Don't call their 800 number, walk in to a branch and you'll be pleasantly surprised.