I've been with them for year now, and I can tell you this bank will rip you apart of you are not organized with your money (my sister gets overdraft fees all the time) I have NEVER had an overdraft fee or a problem with customer service. I am extremely organized and I have to say their online banking is simply better than any other bank in the US. Get a local bank if you are not very sharp or not very organized, if you are good with money and are responsible BoA will never let you down. You gotta pay to play.
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I could write a book about my experience with BofA but I won't. I will say this, though: All these negative complaints you are reading should be trusted. This bank tried to screw me. When I caught them in the act I immediately paid off my credit card balance and closed all my accounts. This was in 2001 and I never looked back.