bank of america varies widely between states. until may of this year my parents, who live in oregon, couldn't do online banking at all, even though washington and idaho have had it for quite some time... my point being that bank o' america may well put pennsylvania on the same ghetto plan that oregon was offered until recentlyIan F said:True... maybe when the Bank of America take-over is complete I'll be on the "toshi" plan...