Product: Checking or savings account

Banking relationship with Bank of America since, XX/XX/XXXX, having worked even longer with their partner company Merrill Lynch XXXX XXXX XXXX XXXX XXXX. I can only say it's very sad how in XXXX the poor are constantly punished and laid bare the brunt of keeping the status quo. I have been repeatedly charged for anything outside of giving them my money and the bank does nothing more than keep saying we informed you of our relationship agreement. Saying agreement implies that I have, or had been offered a choice ; but I have little to no choice but to close my accounts, which is exactly what I am doing and they so far have charged me {$100.00} to do that! They also do not offer options clearly of how I am to avoid being swamped with issues created after the bank, almost like clockwork, closes my credit card for suspected fraud and makes no effort to expedite the process of sending me a new card. I have nearly a dozen automatic payments from my heating and electric, to paying the monthly fees for partner groups like XXXX and XXXX. And now after this I am sent a delinquent notice from a credit agency in Colorado ; one I've never even heard of, about being late on a payment. 1 payment, which I corrected the day after I was informed of the credit card cancellation, that was caused by the automatic payments being stopped. Nothing from the bank but more fees and lazy attempts to justify not taking any responsibility ; I am doing all the work to keep the relationship in order, even after calling and informing them the transactions are not from my purchases. It seems to me that one XXXX, aka credit driven company/agency , BofA could communicate directly with another about the sequence of events, and not send me threatening letters about missing one payment. I paid the following day, literally one day after being informed ; even though the bank clearly stated that any automatic payments would 'automatically " transfer over to the new card. Now I'm still waiting for the bank to close the case from the third card fraud in less than 12 months, and don't have the newly issued card in my possession after a week 's time. Called today and they say the card has just today, XX/XX/XXXX, been mailed out. I work for myself and am in the process of setting up a business, I have been unable to take even a moment of time to review these monthly " lower than we will tolerate '' balance fees in my account, and I don't have the ability to set-up direct deposits to avoid monthly maintenance fees... Monthly maintenance of what? I can't understand how this is acceptable while in addition to this if I need a check, like the one I needed this past week ( to pay colorado.gov ) I have to take time, find the XXXX branch location in my state, get there during working bank hours to wait in line, while only XXXX person is working, and then pay {$15.00} for a bank check, seriously you don't offer anything ; charge for everything, and then say you will be punished for not giving more money ... Now I'm paying to have my accounts closed? It appears the differences between a ponzi scheme and American corporations are whether or not they have been made legitimate by the government ( or money ) and whom they are protecting at the expense of those who have no alternatives.