<prompt> Human: I only make 30kyear with slightly over 20k in my account grad student, so Im not really looking for anything fancy. However, it makes me so annoyed when banks charge maintenance fees or similar erroneously. I just got off the phone with someone who reversed the charge, but its really frustrating for me to deal with automated calling trees. Unless they have a number press option, a lot of the time they cannot register what Im saying. Moreover, instead of transferring me to a human, the line just gets disengaged from their end.I have Bank of America right now. Which bank should I switch to? The university is linked to US Bank, so theres a branch right on campus. In the past, when there was a BoA on campus, the agents were much nicer than usual.  <response>: Theres bound to be a credit union in your town. 