<prompt> Human: Im graduating college this month and Im looking to close some of the bank accounts Ive opened these past few years. Im currently using Bank of America, Chase, TD Bank, and HSBC. If Im trying to cut down to two banks only, which two would you recommend? Thanks! EDIT: I live in the NYC area, if that changes anything  <response>: I wouldnt choose based on bank name. I would choose the bank with the best featureslowest feesatm availabilityetc. 