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** FILE ** A Bank of America branch is shown in a Charlotte, N.C. (AP Photo/Chuck Burton)

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Brian T. Moynihan, chief executive officer of the Bank of America, speaks during a panel session on the first day of the 42nd annual meeting of the World Economic Forum, WEF, in Davos, Switzerland, Wednesday, Jan. 25, 2012. (AP Photo/Keystone, Jean-Christophe Bott)

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Advertisting Budget H_Live.jpg

Bank of America advertising banners are seen Nov. 17, 2011, on bridge houses along the Chicago River in downtown Chicago. The advertisements installed this month are turning heads and reviving a debate over how governments around the world raise money in tough economic times. (Associated Press)

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** FILE ** In this Jan. 31, 2011 photo, Bank of America customers use ATM machines in New York. (AP Photo/Mark Lennihan)

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Bank of America is scrapping a plan to charge a $5 monthly debit card fee. The decision came after hearing customer outrage in recent weeks. Other major banks are following suit in dropping new fees, too. (Associated Press)

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Bank of America customers use ATMs in New York. (Associated Press)

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One of several demonstrators is taken into custody by police after refusing to leave a Bank of America branch in downtown Los Angeles. (AP Photo/Chris Carlson)

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A demonstrator protests inside a Bank of America branch in downtown Los Angeles as part of the Occupy Wall Street movement, Thursday, Oct. 6, 2011. (AP Photo/Chris Carlson)

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Bank of America plans to start charging customers a $5 monthly fee for debit cards as a way to make up for losses related to the cap on swipe fees that goes into effect Saturday. (Associated Press)

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Bank of America Debit_Lea.jpg

A customer uses a Bank of America ATM in Charlotte, N.C., in July 2009. (AP Photo/Chuck Burton, File)

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Bank Of America CEO_Live.jpg

**FILE** In this photo from April 12, 2011, Bank of America CEO Brian Moynihan speaks during a summit on consumer protection by the National Association of Attorneys General in Charlotte, N.C. (Associated Press)

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Todd Allen, the lawyer for Warren and Maureen Nyerges, speaks to the media outside a Bank of America branch in Naples, Fla., while sheriff's deputies meet with the bank manager inside. (AP Photo/Naples Daily News, Eric Strachan)

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Earns Bank of America_Thir.jpg

Bank of America's corporate headquarters in Charlotte, N.C. Bank of America reported a loss of $1.6 billion in the fourth quarter of 2010 after its costs related to soured home loans increased. (AP Photo/Chuck Burton)

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FILE - In this April 21, 2008 file photo, a sign for a Bank of America branch is shown in Charlotte, N.C. Bank of America says it will no longer process transactions for the website WikiLeaks, following similar actions by several other financial institutions. (AP Photo/Chuck Burton, File)

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Wikileaks Bank of Ame_Thir.jpg

A sign advertises a Bank of America branch in Charlotte, N.C. (Associated Press)

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Assistant Attorney General Christine A. Varney says Bank of America's cooperation qualified it for a leniency program that requires restitution but no fines. (Associated Press)

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** FILE ** In this April 17, 2009, file photo, a Bank of America branch is shown in Charlotte, N.C. Bank of America is delaying foreclosures in 23 states as it examines whether it rushed the foreclosure process for thousands of homeowners without reading the documents, Friday, Oct. 1, 2010. (AP Photo/Chuck Burton, File)

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ASSOCIATED PRESS The federal ethics office said FDIC Chairman Sheila C. Bair received a retroactive waiver for mortgages she took out with Bank of America while working on the bank's government rescue, but it found no evidence the loans influenced her actions.

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**FILE** In this photo from Nov. 17, 2009, Brian Moynihan, Bank of America's president of consumer and small business banking, testifies on Capitol Hill before the House Oversight and Government Reform Committee hearing on the role of the federal government in the Bank of America-Merrill Lynch merger. (Associated Press)