Bank of America is my first bank. I've had them since I was 18. It's a pretty good bank overall. The local one in Stockton is really nice and accomodating and are really willing to waive any overdraft fees. The only down side is in order to get free checking, you need to have direct deposit. I find that the people are generally pretty nice. I dont' recommend putting money in a saving here because it has one of the lowest interest rates. There are better banks that gives around 4.5 to 5% interest rate for savings. Overall good bank and very very convenient because they have ATM everywhere!