Secured cards...

I doubt that FICO contains rules to look at which particular bank an account is with and score it differently. That would really be entertaining if it came out.

You want a secured card to reestablish a good payment record. After a period of on time payments, you might be able to get better terms with the original bank, or you might get better offers with other banks.

Some banks specifically cater to those rebuilding credit, but policies on whether they will advance you to better terms vary. Some banks are known for leaving you with low limit cards for long periods, even after you have shown responsible use of credit, in which case you will need to take the next step with someone else.

Have you considered a credit union? You might get better terms.

 

Check on the terms of checking and savings accounts. You don't want to be paying for services you can get free in today's market. Also, fees vary for such things as over limit or check guarantee. Credit unions often have lower fees than banks for the same thing.

There is sometimes an advantage to having banking relationships, and checking accounts, with banks whose cards you don't use. If you get in a dispute, they have more incentive to follow the law, instead of just taking money from your other account while they "investigate" a fraudulent charge.

Same reason you don't want to use debit cards. Weak legal protections, and any fraud messes up your life. Credit cards give you better protection, both legally, and because when it's their dollar, they watch it more carefully.

 

I would expect both BofA and WF to provide reasonable CC products. The terms and credit limits you get, from them or any other bank, may have little to do with what other business you give them, and more to do with your overall credit scores, history, and account age with them.