Well, if you have a good relationship with US Bank why not consider their secured card: http://www.usbank.com/credit-cards/secured-card.html
I haven’t heard about BOA closing accounts. You mean checking accounts right? They did close my credit card account a couple of years ago during the financial crisis because I had a history of late payments (up to 90 days late), so I can’t say it wasn’t my fault. I remember other people complaining about this back then so I know I wasn’t the only one.