BofA sucks part II

So after taking over the company my oldest credit card was with (MBNA) I've been forced to deal with Bank of America. Given the fact that they are one of the largest banks in the united states I have been tempted from time to time to see what they offer. After doing a bit of research I found this part:

A BofA money market account with $3000 in it would get the following rate:

0.36% APY

The national average money market (FDIC insured) rate for accounts with <10k in them is

3.75% APY (most with no fees if the minimum deposit is maintained 1k-5k normally)

And I have tripple checked those numbers, they are in fact offering a rate that is 1/10th that of the national average (source: bankrate.com)

Here's a list of rates:

Citibank: 4.50% APY (no fees, no minimum, FDIC to $100k)
CapitalOne: 5.00% APY (no fees, no minimum, FDIC to $100K)
Netbank: 3.05% APY (no fees if above minimum, $500 minimum, FDIC to $100k)
ING Direct: 4.50% APY (no fees, no minimums)
Vanguard: 4.20% APY (no fee if above minimum, $3k minimum, FDIC)

there is a huge list of other national banks with good rates between 3-5% APY