<prompt> Human: Ive had Bank of America accounts checking, savings, and credit since the start of college, and it has certainly helped me develop my credit score as my sole source of credit for four years. After starting a job in a city where Chase is a lot more prevalent with no BoA in sight, I opened a Chase account and only use Chase now. My BoA debit and credit cards have thus been just sitting in my wallet, and the BoAs 12 monthly maintenance fee becomes a bit annoying when I forget that Venmo still charges my BoA checking account something I still need to change!. Is there any harm in completely cutting my ties to Bank of America and closing the accounts, especially when theyve by far been my oldest? Any pearls of wisdom are greatly appreciated! :  <response>: Bank accounts are not credit accounts. Close them if they are costing you money. 