BofA charges fees for EVERYTHING and would most likely try to mortgage your mother too! I hate them with a passion and I mean HATE!
They may have helped to re-build SF after the '06 quake (thanks grandpa Giannini for that) but that was in the last century - Tony factoid...did you know that the giant granite sculpture in front of their SF headquarters on California Street is commonly referred to as "the black heart of the banker?"
E-passporte isn't high up on our list either.....