Another thing to add into this discussion. BOA is the parent company of Merrill Lynch. Merrill Lynch - Wikipedia, the free encyclopedia
If you have your IRA with them, you you may want to rethink that. My guess is BOA would respond favorably when a few thousand IRA were pulled. It's no big deal to lose a credit card customer, but a 6 or 7 figure IRA, now you are talking serious business.
Just a thought.
Stonecove