Just b/c they don't have WAMU (Chase) in your state doesn't mean you can't use them. We don't have WAMU in Ohio but I was using them. You get hit with the $3 ATM fee but oh well. We have Chase so now I'm ok.
I currently use both Chase and Bank of America. Although we have no Bank of America here either. They both are good.
Before giving them your information, say your area is 10111 (NY,NY). Then you will be able to bypass the "Sorry, were not in your area" screen, and continue registration.
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