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It's not easy for me, but you make it easy. I haven't received cash for my Steem yet. I'm cranky!

I'll probably do a very short series of how to get spendable money out of Steemit. I just recently got my BitPay card and I'm in love. LOL The fees suck but the convenience is out of this world!

I looked at bitpay, so you recommend it? I really want cash for my steem

If you want money in the bank, try this method. (I'm in the U.S.)
If you want money on a Visa card, order your BitPay card. Either way you're getting hit with transaction fees so try to make it worth your while.

I will need an account at Bank of America chase or Wells Fargo?

Not necessarily. Some of the vendors deal with BOA, Wells Fargo, Chase, SunTrust, Credit Unions, Coops, etc... The same ones are not always online and they all have different exchange rates. If you look at the sell options, they also have Western Union and MoneyGram among others. CASH, imho, is the best method. I used PayPal about 11 times and only one transaction bit me. I'm still appealing it a month later as they're trying to steal about $1400 from me.