TheStreet's Jim Cramer and Stephanie Link talk about how even though Bank of America raised its dividend for the first time in seven years, it now needs a Department Of Justice (DOJ) settlement and interest rates to go in their favor. However, Link says the risk-reward is probably pretty good. Cramer thinks Bank of America is waiting for a new DOJ to negotiate a better deal since they have paid more than any other bank and the government continues to raise the price. Cramer foresees Bank of America facing more suits from the government but it's a stock about interest rates and not the DOJ. Link adds that it's also about cost cuts which could lead to positive operating leverage if they are right about rates. Cramer and Link are glad about choosing to diversify in financials by taking profits in JPMorgan and moving into American Express which has much less risk and had a great quarter despite the stock being down.