Looking at your situation .i think it would be best to go ahead and open a checking account in Bank of America and apply for the credit card at the same time..(its easy to get approved that way ,than apply credit cards online randomly)..if you are student much better..good luck with that...

PS: also when you open a checking account in BOA ..put a your frend with boa account as referal and you both will get Referal Fee...

Please visit BOA and talk to banker for more info...its easy..

GOOD LUCK