<prompt> Human: After lengthy conversations with Bank of America representatives both on the phone and via their internet chat, it has come to my attention that their eBanking accounts have all been discontinued and converted to MyAccess checking or are in the process of being phased out over the course of the year. Has this happened to anyone else? Also, can anyone recommend a bank in Southern California that doesnt require direct deposit to avoid fees?  <response>: I feel this is appropriate 