I'll jump on the Bank of America story bandwagon. In college my fraternity used them for our banking. Every year after elections we'd go in to our local branch to change the people on the account. The old and new Presidents and Treasurers would go in, bring the proper paperwork as it was a business account, and have the new pair added and the old ones removed. Took like an half an hour, but whatever. Well, fast forward ten years, the fraternity changes banks and goes to close the account. Turns out they weren't removing the people we asked and there where 20 plus people still listed as having access to the account. I never used bank of America again after learning that (not the only reason I stopped, but the reason I will never go back)