BOA是美国最大的银行，如果你有它家的checking帐户，一般就有一张check card，又叫debit。别看这个debit卡，可是大大的有好处。

1. 回国取钱。这个用处可以大了，回国取钱，没有fee，汇率按汇算。这个是今年BOA和中国建设银行的联合计划。很多朋友已经试过，的确可以。这样回国不用带钱，方便多了。而且给父母的钱也不用光票托收了。

2. Keep the change plan。这里有个yahoo的介绍，我再说说经验。
Keep the Change is a quick and easy way to start saving immediately. When a customer signs up for Keep the Change, the amount of every purchase they make with a Bank of America debit card is automatically rounded up to the nearest whole dollar and transferred from the customer's checking account into their savings account at the end of the day. For example, when purchasing a coffee with a debit card, the difference between the $2.85 cost and $3.00 - or 15 cents - would be transferred electronically. In addition, Bank of America will match 100 percent of the Keep the Change transfers for the first three months. After that the bank will contribute five percent a year. The maximum match is $250 annually.

加入的link在这里
http://www.bankofamerica.com/promos/jump/ktc/

简单的说这个plan，就是你要花超过1刀，比如1.07，debit扣掉1.07，但是BOA会给saving加2-1.07=0.93，这样意味着你只话了14c。所以合理利用，可以省不少钱。我的方法是取dollar店买东西，加税后正好。debit卡买别人也不会不让你一个一个结帐。还有就是加油，不过不太好控制。但是反正是free的plan，为啥不要呢。是吧？

怎么样，作为一张debit卡，它的功能还不错呢，特别回国取钱，我觉得很方便，回国花钱不用受父母牵制了。如果你想申请，BOA通常有50－100美元的开户奖励，可以取fatwallet搜索一下。

[此贴子已经被icyscorpio于2006-6-2 17:56:11编辑过]