Just FYI, I have had the standard secured card for a couple months. Went into a BOA branch this morning and told them I wanted to add to the deposit. After going through all the Tellers, finally found a Manager who said "No Problem, come in my office"
She took my card and called someone, somewhere. Identified herself and said Mr. Contractor wants to raise his deposit from 300 to 600. She put me on the phone and some clown asked a zillion questions, income, housing costs, what do I do, etc. Then said what is your checking account #. I said, don't have one here, it is at my CU. He says, sorry, no checking account, no add to deposit. I said, you're kidding, right? He assured me he was not inclined to humor. I said thanks (stunned) and hung up. Relayed the incident to the Manager and she was flabbergasted, said they do it all the time; just create a cashiers check and send it in. Asked if I wanted her to call back and I said, no thanks, I'll go talk to my CU.
That was 300 bucks free money they could have used for the next several months with no exposure. Makes NO sense. Banks are illogical creatures. YMMV, perhaps I got an idiot.