Tim, PM me. I've got a hookup at Bank of America. Here's my rates:

Discount Rate - 2.19%
Monthly Fee - $4.95
Transaction Fee - None
Batch Fee - None
AVS Fee - None
Yearly Fee - None

As you can see, I have no crap in my account. I have my monthly fee which is for access to online reporting, etc and low, simply discount rate and NO other fees.

And on top of that, I use Bank of America for my business checking. So I have 24 hour desposits! That's big to me, because I used to be with another merchant account and it was always 3 days to get my money.

I batch from authorize.net at around 10pm and the money is in my account by 9am like clockwork every morning.

And another thing I like is how I'm billed by my BOA merchant account. My old merchant account would take money out PER batch. This is annoying because it takes our CPA forever to calculate 30 freakin' debits.

BOA simply debits the prior months fees in one charge, by around the 3rd of the month.

PM me if you want my guy. I can't promise the exact same rate but he's helped my friends out and they've been happy. But a lot depends on how much you're processing.