That wasn't so bad. So Bank of America recently sent me some letter about a fee increase to my account which turned out to be the Rolls Royce of checking accounts, something I signed up for 10 years ago back when I had something called a real fucking job. Anyways, BOA was taking $20/month out of my checking account so it was time to give them a call. Almost 9 at night is a good time as their call centers close at 10pm and most people are getting kids ready for bed and all that. Oh yeah so also, they were taking $5 out of my Savings account each month starting recently and I needed that to stop. Turned out I qualify for a CampusEdge account for students which means no charge for 5 years, and by transferring $25 from my checking to savings each month, I don't pay the $5 fee on the Savings account either. They even refunded me that $20 charge. And the customer service guy was friendly and not a complete idiot! BOA and I can be friends again, especially since they have ATMs everywhere.