(Closing the last BofA account was an event chock full of hilarity. After the account was emptied out and closed by the branch officer, at the next monthly cycle a penny or two of interest was credited to the account. The branch officer claimed this reopened it. Naturally, with a balance of $0.02, the account didn't meet the criteria for free checking, so a $10 fee was charged. This triggered their automatic overdraft protection, opening a $300 line of credit to which $9.98 was charged. I spotted this online, where I also had a credit card that kept the online banking access live. Print the page, head back to the branch, and engage in debate with the branch manager. The account was really closed this time, charges reversed, and I went home with two shiny pennies for my trouble. Joy!)