RALEIGH, N.C. – MNBA, the leading monoline card issuer in the country, and Bank of America have completed their merger. As of Jan. 1 2006, MBNA went from being an independent company to being Bank of America's card arm. Executives from each company continue tying up the deal's loose ends and the majority of layoffs from the merger have yet to be announced. When the companies announced the merger, Bank of America said it would wind up cutting 6,000 jobs spread across both companies The merger leaves Bank of America with 40 million active card accounts, according to media reports, making it one of the card leaders in the U.S. Company officials have not commented on any specific changes which might come to cardholders from the new company and have refrained from commenting specifically on any coming layoffs.