@e4530301 Stop using brick and mortar banks ASAP (BofA, WF, etc). There’s no reason to support their useless service, 2 hour hold times, high and spurious fees, near-zero checking/savings interest, etc. There’s so many legit online (only) banks that are wildly superior. Switch now! 

 @38cb67ff Sadly only BoA’s card grants tier points on Virgin Atlantic. I expect that Delta will cause them to sunset this card at some point and then I can ditch them.

I do my actual banking elsewhere for many of the reasons you suggest.