just close the account by phone, the specialist is pretty nice, and she tranfered the remained money to my another BOA checking account directly. when i said i want to close it, she try to persuad me to keep this account, and said she could make my account without maintanec fee for next 6 months until i could find a DD linking with this account.

I think they still accept the paypal money transferas DD, coz for the first month i have a paypal transfer to my account, they did not charge me any fee. But I forgot to do it at the second month then i got the fee posted on my bill.  considering i am a really lazy gal and do not want to pay attention on it any more, i closed it finally.