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The last thing I want to do is call their customer service number for the various reasons described previously. If online chat agents' only problem solving skills are to require you to call a customer service phone number, what's the point in implementing it?

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Granted, we've all had our challenges with banks working with their customers on various issues and Bank of America is no exception.

However, there is one issue, not related to anything financial, that irritates me more than anything else about working with them: Enter Bank of America's Online Chat Online chat is a great new feature that many companies are beginning to offer via their websites.

While a customer service agent is looking something up on my account or getting help from a supervisor, I can continue on about my business and stay productive.

Before online chat, you'd have to go through a third degree security process, then wait on hold for the next available representative to take your call, wait some more while that same customer service representative searches for information related to your inquiry, speak with supervisors when they can't help and more all the while you were stuck on the phone. Plus it's very helpful when you don't want to disclose all of your personal information verbally in front of an audience.

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