With demand for investment housing as it is, no glut of stock is possible, demand itself will counterbalance any potential supply stream short of 08/09 repeat and I don't see how BOA can go bankrupt over night taking with it 1/2 of the mortgage securities industry, THATS what 08/09 was, actually a bit worse. 

I believe BOA is the only one that offers it.

BOA is awesome for this kind of stuff.

For example if both you and the tenant have a BoA account, the tenant can process a direct payment.

Frankly though, I can't see how those govts don't lean in and force a BOA or Merrill Lynch like scenario if they are at that much risk.

It maximizes flexibility, and allows deposits/idle funds to work for me, rather than BoA or Wells Fargo.

Wells Fargo, Discover, AmEx, Nerdwallet, BoA all have free credit monitoring services, and all of them showed a 100-140 point drop from the month before I bought the house to the month after.  

Is it better to align with a local Credit Union for this like Truliant or go with a big bank (BoA, Wells Fargo, etc.)? 

Just a matter of finding investor friendly lenders as opposed to retail lenders like BoA or Chase, etc.

I used to have a 7 foot Boa Constrictor.