Manager is lovely. The systems work, so if you are never going to want to do anything unusual, fine. I'm stuck- I have about twenty accounts that I pay out of bank of america and checks from six or seven employers. Once in a while- I deposited a check (from an account where my HELOC is) Sunday night and the ATM said hold until Wednesday. In big letters. No date that I recall, BUT WEDNESDAY IN BIG LETTERS. Come to check on line it's Wednesday ten days later.Now, I had a bill pay set up to go on that first Wednesday, May six. They sent it out by paper check a week early, something I found out after the fact. Hence the Sunday night deposit, from an account on which I have never had a hold!So now I was on hold with the credit union that extended the HELOC to get a wire.And now I'm done! The wire was done right on their web site- and I can't find any reference to "wire" on the bank of america site (except for incoming wires). I sure can't send from the web site. And they went 95% LTV on the HELOC, charging me prime -1%. State Department Federal Credit Union. Branches in DC. HELOCs in Bayonne.As I recall Bank of America was 80% LTV prime +4. And SDFCU only charged me $20 for the wire!Gotta have a branch in town. Sad face.