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myself... i see BoA going down the tubes, thats why i moved my free checking to a local CU.
to their credit, BoA dropped the minimum balance requirement because i had a monthly direct deposit based checking account...
But - i have a very real dread that the brokerage part of BoA will soon make all the depositers account money available to the investor section (merrill lynch) as the collateral necessary to cover the derivatives that will become due...