<prompt> Human: What are you experiences? What do you consider the pros and cons are? Would it be a great for me a 22 year old? I am currently using BofA, would it be worth the switch?  <response>: i love it. no negatives so far. outstanding customer service - some of the best ive experienced with any company in any industry. always fast, always thorough.i had BofA before as well and i switched because fuck BofA and their shitty practices. 