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1) Bank of America
2) Sovereign, Citizens, and Ban of America are all near enough
3) Bank of America-- only bank near home (NY) and school, otherwise I'd be using Chase.
Bank of America or Sovereign are the most convenient. I use Bank of America because that's the only one of the three in my area (Chicago suburbs). I'd say find the one that's most convenient for you; I'm not a fan of B of A, but w/e. It's only for four years right?