Bank of America - keep the change or eliminate the coins?

Over the last few years Bank of America has been publicizing its keep the change program . Essentially Bank of America rounds of what you pay to the nearest dollar. Thus if you buy a burger for $3.49 , Bank of America will round it to the next logical figure of $4. Bank of America will match the keep the change for the first three months and then match proportions for the same. Interesting program!
What amount do consumers pay tax on ? $3.49 or $4.0. Bank of America might make some
I had heard of a similar thing used in the movie "Office Space" where the IT Geeks rounded off every transaction to the nearest dollar amount and won themselves a fortune.
Whats so great about this? My guess is that this is meant for lazy people who do not transfer from Checking to Savings account immediately and loose the interest OR its good for people who do cash transactions and loose cash all the time.
According to the article about 25 million people do not have bank accounts .
In relation to my earlier post about coins been eliminated - could the above be one way of starting it OR do we not need it once we get rid of those pennies or nickels ?

Check scan at Bank Of America ATM

As I pulled into the Bank Of America ATM this evening I was amazed at their new ATM technology. I did not have to put my check in an envelope. Thats actually a double bonus for me as most of the time I forget my pen somewhere and gives me a sense of frustration. The nice thing about the check scan is it shows you the check scanned and amazingly the check value gets put in automatically in the value amount. This might have been out for a while but not at my other bank - Wachovia. Others out there - therez definitely a lot of innovation still yet to come ! As always keep thinking and be inquisitive.

Bank Of America Risk Free CDs and free trades

Recently (its been a few months) Bank Of America has announced risk free CDs. These CDs give a new dimension to investing CDs. Here are the highlights - Withdrawal is free after 6 business days of opening the CD. - Minimum balance required is $5000. - Non US citizens cannot get the online 0.1% APY additional rate and must go to the bank in person. If you are lucky you might get one done on the phone - Withdrawal can be done at anytime but must be made in person. - Time limit is 9 months. With $25000 across all acounts, BOA lets you open a trading account with $0 per trade for the first 30 trades a month. I've heard that the trading account doesnt give one all the fancy tools to analyze stocks.. More to be found