I just wanted to point out that there are a few more days left to take advantage of this deal at Bank of America, and also to say a few words about it.

There are as many banks as fast food joints, these days, and most of the good ones will work to get your business. Be polite and friendly and you’ll be amazed at what you can get.

I’ve just returned from Bank of America, and instead of the $75 promised in the promo, I actually made $125. Now, in my case, I was opening several accounts (in preparation for my move, I’m transferring my banking to BofA because they’re national, while my current bank is not), but still, remember the Want Not mantra—if you don’t ask, you don’t get. I sat down with a very nice account executive and explained what my current bank is doing for me and was able to duplicate—or better—the current terms on my new accounts. I also had the first couple of months’ fees waived, because although I plan to meet minimum balance requirements to keep my accounts free, this gives me some time to get moved and settled before I have to worry about it.

It’s not magic; you just have to ask. Usually, they’ll say yes. You might want to stick to “thank you,” but telling the account executive she’s pretty might make her laugh. I’m just sayin’.