WF is also horrid, but they at least understood what they were doing was so heinous that they tried to hide it. Definitely cognizance of guilt; shitty, but at least that implies they knew it was absolutely wrong. But BofA doesn’t even pretend to not be predatory, and does horrible things as a matter of official business policy, so I do actually think they take the cake here. They only stop doing awful shit to their customers (e.g. processing transactions in the most negatively impactful order for an account, so that they can scrape up various - and repeated! - overdraft fees) when regulatory agencies make them stop.