[true_religion]

BoA basically wants you to open up an investment "savings" account with them, and allow them to use your money to play in the market.

It's why their interest rates are abysmal.

Beyond that, on the consumer end they charge rates for random things unless you keep a significant amount of money in your accounts.

If you do then they basically charge you no money and call you once a week begging to redistribute your savings into something with "greater returns" by which they mean stocks.