[quote=kev374]so why do you bank with them? There are hundreds of other banks that will take your business and offer you a much better deal.
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For BofA (and Wells for that matter), convenience.
For Citibank: it use to be for the dividend dollars. But more importantly, I do like their virtual account number feature when I buy something from the net and i suspend the establishment is shady. It has come in really handy to generate virtual account number with a preset limit and expiration date, and use that number for purchases. It has also come in handy, when it comes to signing up for “trial” services that require you to provide a CC number. In the past, even if I cancelled my trial services on time, I often get charged accidently. With a virtual account number, I can configure a virtual CC# to use for the trial service such that it’s expiration date is 2 month or the credit limit ($2.00) is reached right after my trial period expires. That way, even if I cancel my service, the business can’t bill me accidentally, because the virtual account CC# will be declined.
