We have a couple of accounts with BOA, I haven't seen the details of the new charges so I am not sure if they will even affect us. We also have some with Amegy, I like them. We have savings with credit union through husbands work,it is never uses so I don't really have an opinion on them. I use chase for my payroll, not too thrilled with them. We use compass for our investment/property accounts. I am really thinking about moving everything to amegy. I just like the people there. I don't want all my eggs in one basket though and switching banks is a pain.
Go with a Credit Union if you can. Smart Financial is a great bank. I don't bank with them, but they are a Credit Union Service Center so I can deposit checks with them and make withdrawls without having to go to my bank.
I love the service you get from a credit union. With out credit union I know I never have to wait 24 hours or whatever it is, once I make a deposit.
I like the using a credit union because when I call I am not connected to a switchboard, someone always answers.
Bank of America fees will not affect a lot of people, so before you switch, call and talk to them, or go in....I am with them, and will not be affected by their new fees. I have no problems with them, and do not plan on changing any time soon.