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If life changes, you can always switch it up later — without opening a new bank account.
SafeBalance®
Simple Banking with an easy-to-use experience
Advantage Plus Banking
Flexible Banking with more features and options
Advantage Relationship Banking
Comprehensive Banking that unlocks additional benefits
To view all fees see the Personal Schedule of Fees.
Not sure? Answer 4 questions to help find your fit
Bank of America Advantage SafeBalance Banking®
Simple Banking with an easy-to-use experience
$XXXX or $0
Avoid the monthly fee
We’ll waive the monthly maintenance fee each statement cycle that:
- An owner of this account under age of 25
- Maintain a minimum daily balance of $500 or more in your account
- Are a member in our Preferred Rewards program
OR
OR
OR
Open now
Open now
Bank of America Advantage Plus Banking®
Flexible Banking with more features and options
$XXXX or $0
Avoid the monthly fee
We'll waive the monthly maintenance fee each statement cycle that you:
- Have at least one qualifying direct deposit of $XXXX+
- Maintain a minimum daily balance of $XXXX or more in your account
- Are a member in our Preferred Rewards program
OR
OR
OR
Open now
Open now
Bank of America Advantage Relationship Banking®
Comprehensive Banking that unlocks additional benefits
$XXXX or $0
Avoid the monthly fee
We'll waive the monthly maintenance fee each statement cycle that you:
- Maintain a minimum daily balance of $20,000 or more in your account
- Are a member in our Preferred Rewards program
OR
OR
Open now
Open now
Open an accountlayer Open an accountlayer
Bank of America Advantage Banking
Get the flexibility you deserve with three distinct accounts to meet you wherever you are in your journey.
What is a checking account?
A checking account is a type of deposit account that enables you to deposit and withdraw available funds on demand, typically by writing a check or using a debit card. Checking accounts are sometimes interest-bearing.
SafeBalance®
Simple Banking with an easy-to-use experience
Advantage Plus Banking
Flexible Banking with more features and options
Advantage Relationship Banking
Comprehensive Banking that unlocks additional benefits
Bank of America Advantage SafeBalance Banking®
About SafeBalance®:
- Digital banking in the palm of your hands — no paper check writing
- Helps keep you from spending more than you have — no overdraft feesadatext
- Peace of mind with our $0 Liability Guarantee
- A great start for students and young adults
Open now
Open now
Open a SafeBalance account now
Open a SafeBalance account now
Bank On certified SafeBalance® is certified as meeting Bank On National Account Standards for safe and affordable bank accounts.
$XXXX or $0 monthly fee
No monthly maintenance fee each statement cycle that:
- An owner of this account is under the age of 25adatext
- Maintain a minimum daily balance of $500 or more in your account
- Are a member in our Preferred Rewards programadatext
Or
Or
Or
To view all fees see the Personal Schedule of Fees. You can also refer to our Clarity Statement for additional information.
Not sure if SafeBalance® is right for you? Answer 4 questions to help find your fit
About SafeBalance®:
- Digital banking in the palm of your hands — no paper check writing
- Helps keep you from spending more than you have — no overdraft feesadatext
- Peace of mind with our $0 Liability Guarantee
- A great start for students and young adults
Open a SafeBalance account now
Open a SafeBalance account now
$XXXX or $0 monthly fee
No monthly maintenance fee each statement cycle that:
- An owner of this account is under the age of 25adatext
- Maintain a minimum daily balance of $500 or more in your account
- Are a member in our Preferred Rewards programadatext
Or
Or
Or
To view all fees see the Personal Schedule of Fees. You can also refer to our Clarity Statement for additional information.
Bank On certified SafeBalance® is certified as meeting Bank On National Account Standards for safe and affordable bank accounts.
Bank of America Advantage Plus Banking®
About Advantage Plus Banking:
- Digital banking with the choice to pay using a variety of payment options
- Multiple ways to waive your monthly maintenance fee, including direct deposit
- Option to enroll in Balance Connect for Overdraft Protectionadatext
- Peace of mind with our $0 Liability Guarantee
Open now
Open now
Open an Advantage Plus account now
Open an Advantage Plus account now
$XXXX or $0 monthly fee
No monthly maintenance fee each statement cycle that you:
- Have at least one qualifying direct deposit of $XXXX or more made to your account. Learn about qualifying direct deposits.
- Maintain a minimum daily balance of $XXXX or more in your account
- Are a member in our Preferred Rewards programadatext
Or
Or
Or
To view all fees see the Personal Schedule of Fees. You can also refer to our Clarity Statement for additional information.
Not sure if Advantage Plus Banking is right for you? Answer 4 questions to help find your fit
About Advantage Plus Banking:
- Digital banking with the choice to pay using a variety of payment options
- Multiple ways to waive your monthly maintenance fee, including direct deposit
- Option to enroll in Balance Connect for Overdraft Protectionadatext
- Peace of mind with our $0 Liability Guarantee
Open an Advantage Plus account now
Open an Advantage Plus account now
$XXXX or $0 monthly fee
No monthly maintenance fee each statement cycle that you:
- Have at least one qualifying direct deposit of $XXXX or more made to your account. Learn about qualifying direct deposits.
- Maintain a minimum daily balance of $XXXX or more in your account
- Are a member in our Preferred Rewards programadatext
Or
Or
Or
To view all fees see the Personal Schedule of Fees. You can also refer to our Clarity Statement for additional information.
Bank of America Advantage Relationship Banking®
About Advantage Relationship Banking:
- Earns Interest
- No fees on select banking servicesadatext
- No monthly maintenance fees on up to seven eligible accounts when you ask us to linkadatext them to your primary Advantage Relationship Banking account.
- Option to enroll in Balance Connect for overdraft protectionadatext
- Peace of mind with our $0 Liability Guarantee
Open now
Open now
Open an Advantage Relationship accountnow
Open an Advantage Relationship accountnow
$XXXX or $0 monthly fee
No monthly maintenance fee each statement cycle that you:
- Maintain a minimum daily balance of $20,000 or more in in your account
- Are a member in our Preferred Rewards programadatext
Or
Or
To view all fees and additional information on how to link eligible accounts, see the Personal Schedule of Fees. You can also refer to our Clarity Statement for additional information.
Not sure if Relationship is right for you? Answer 4 questions to help find your fit
About Advantage Relationship Banking:
- Earns Interest
- No fees on select banking servicesadatext
- No monthly maintenance fees on up to seven eligible accounts when you ask us to linkadatext them to your primary Advantage Relationship Banking account.
- Option to enroll in Balance Connect for overdraft protectionadatext
- Peace of mind with our $0 Liability Guarantee
Open an Advantage Relationship accountnow
Open an Advantage Relationship accountnow
$XXXX or $0 monthly fee
No monthly maintenance fee each statement cycle that you:
- Maintain a minimum daily balance of $20,000 or more in in your account
- Are a member in our Preferred Rewards programadatext
Or
Or
To view all fees and additional information on how to link eligible accounts, see the Personal Schedule of Fees. You can also refer to our Clarity Statement for additional information.
Which is best for you?
Compare your options- rate and fee layer
Compare your optionslayer
Let us help you find your fit
What's the advantage?
Customize your account to fit your needs and experience our full scope of services
Customize your account to fit your needs and experience our full scope of services
Customize your account to fit your needs and experience our full scope of services
Easy, anytime access
Easy, anytime access
Visit us at thousands of financial centers and ATMs or have a quick chat with Erica,adatext your virtual banking assistant.
Visit us at thousands of financial centers and ATMs or have a quick chat with Erica,adatext your virtual banking assistant.
Visit us at thousands of financial centers and ATMs or have a quick chat with Erica,adatext your virtual banking assistant.
Convenient ways to pay
24/7 security
Use your debit card, digital card for debit, a digital wallet or pay friends securely with Zelleadatext right from your phone.
Total Security Protection® and fraud monitoring. Safer login,adatext card locking featuresadatext and more.
Total Security Protection® and fraud monitoring. Safer login,adatext card locking featuresadatext and more.
24/7 security
Convenient ways to pay
Total Security Protection® and fraud monitoring. Safer login,adatext card locking featuresadatext and more.
Use your debit card, digital card for debit, a digital wallet or pay friends securely with Zelleadatext right from your phone.
Use your debit card, digital card for debit, a digital wallet or pay friends securely with Zelleadatext right from your phone.
Smart money management tools
Smart money management tools
Set custom alertsadatext and savings goals.adatext Get cash back deals and rewards customized for you.
Set custom alertsadatext and savings goals.adatext Get cash back deals and rewards customized for you.
Set custom alertsadatext and savings goals.adatext Get cash back deals and rewards customized for you.
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Minimum opening deposit | |||||||||||
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$XXXX | $XXXX | $XXXX | |||||||||
Monthly maintenance fee | |||||||||||
$XXXX or $0 | $XXXX or $0 | $XXXX or $0 | |||||||||
How to avoid the monthly maintenance fee each statement cycle | |||||||||||
An owner of this account is under the age of 25adatext Or Maintain a minimum daily balance of $500 or more in your account Or Are a member in our Preferred Rewards programadatext | Have at least one qualifying direct deposit of $XXXX or more made to your account Or Maintain a minimum daily balance of $XXXX or more in your account Or Are a member in our Preferred Rewards programadatext | We'll waive the monthly maintenance fee each statement cycle that you: Maintain a minimum daily balance of $20,000 or more in your account Or Are a member in our Preferred Rewards programadatext To view all fees and additional information on how to link eligible accounts, see the Personal Schedule of Fees You can also refer to our Clarity Statement for additional information. | |||||||||
Ways to pay | |||||||||||
Debit chip card Zelle® Digital Wallet | Debit chip card Zelle® Digital Wallet Paper checks (if purchased) | Debit chip card Zelle® Digital Wallet Paper checks (if requested/purchased) | |||||||||
APY (Annual Percentage Yield)adatext | |||||||||||
N/A | N/A | Balance APY XXXX XXXX% XXXX XXXX% XXXX XXXX% | |||||||||
Overdraft policy and fees | |||||||||||
What happens if I don't have enough money to cover a transaction? | |||||||||||
Transactions will be declined or returned unpaid when you have insufficient funds. | At account opening, choose an Overdraft Setting.adatext This determines how we handle transactions when you have insufficient funds. | At account opening, choose an Overdraft Setting.adatext This determines how we handle transactions when you have insufficient funds. | |||||||||
Balance Connect® for Overdraft Protectionadatext | |||||||||||
No | Yes | Yes | |||||||||
Overdraft Item feeadatext | |||||||||||
N/A Transactions will be declined or returned unpaid when they exceed your balance. | $10 Applies to each item that we pay into overdraft. | $10 Applies to each item that we pay into overdraft. | |||||||||
Refer to the SafeBalance Clarity Statement for more details | Refer to the Advantage Plus Banking Clarity Statement for more details | Refer to the Advantage Relationship Banking Clarity Statement for more details | |||||||||
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Here's what you'll get with each account
Fraud protection
Our $0 Liability Guaranteeadatext credits fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen.
Mobile depositsadatext
Deposit a check into your account using the camera on your smartphone or tablet and the Mobile Banking app. Don't worry: Check images are stored securely at the bank and never on your device.
Better budgeting
You can see the big picture with our interactive Spending and Budgeting tool.adatext Track your habits and set up budgets to take more control over your money.
Debit and Digital Card Controlsadatext
Lock a physical or digital card quickly and easily to prevent unauthorized use. Or request a digital card anytime through our mobile app. Cards can be added to a digital wallet for use in stores, at ATM’s and more.
Custom alerts
Know now and react fast to important account changes. You can set custom alertsadatext via email or text for things like a low balance, a pending deposit, an upcoming bill and more.
Fast, secure sign-in
Need to access your account quickly? Log in to the Bank of America Mobile Banking app using the fingerprint feature on your mobile device.adatext
Here's what you'll get with each account
Fraud protection
Our $0 Liability Guaranteeadatext credits fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen.
Mobile depositsadatext
Deposit a check into your account using the camera on your smartphone or tablet and the Mobile Banking app. Don't worry: Check images are stored securely at the bank and never on your device.
Better budgeting
You can see the big picture with our interactive Spending and Budgeting tool.adatext Track your habits and set up budgets to take more control over your money.
Debit and Digital Card Controlsadatext
Lock a physical or digital card quickly and easily to prevent unauthorized use. Or request a digital card anytime through our mobile app. Cards can be added to a digital wallet for use in stores, at ATM’s and more.
Custom alerts
Know now and react fast to important account changes. You can set custom alertsadatext via email or text for things like a low balance, a pending deposit, an upcoming bill and more.
Fast, secure sign-in
Need to access your account quickly? Log in to the Bank of America Mobile Banking app using the fingerprint feature on your mobile device.adatext
Open your account nowlayer
Just starting out?
We remember what it's like just starting out. That's why there is no monthly maintenance fee for account owners under 25.adatext
Learn more about student banking for students and young adults
Students under age 24 are eligible for a waiver of the monthly maintenance fee for the Advantage SafeBalance and the Advantage Plus setting while enrolled in a high school, college, university or vocational program.
Please refer to your Personal Schedule of Fees for details.
Looking for more?
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Let's get started
Open your account nowlayer
Change your mind? No problem. Call us or come in to switch settings.
Bank of America Advantage SafeBalance Banking® | Bank of America Advantage Plus Banking® | Bank of America Advantage Relationship Banking® |
---|---|---|
Open now | Open now | Open now |
Open now | Open now | Open now |
Minimum opening deposit | ||
$XXXX | $XXXX | $XXXX |
Monthly maintenance fee | ||
$XXXX | $XXXX | $XXXX |
How to avoid the monthly maintenance fee each statement cycle | ||
An owner of this account is under the age of 25adatext Or Maintain a minimum daily balance of $500 or more in your account Or Are a member in our Preferred Rewards programadatext | Have at least one qualifying direct deposit of $XXXX or more made to your account Or Maintain a minimum daily balance of $XXXX or more in your account Or Are a member in our Preferred Rewards programadatext | We'll waive the monthly maintenance fee each statement cycle that you: Maintain a minimum daily balance of $20,000 or more in your account Or Are a member in our Preferred Rewards programadatext |
Ways to pay | ||
Debit chip card Zelle® Digital Wallet | Debit chip card Zelle® Digital Wallet Paper checks (if purchased) | Debit chip card Zelle® Digital Wallet Paper checks (if requested/purchased) |
APY (Annual Percentage Yield)adatext | ||
N/A | N/A | Balance APY XXXX XXXX% XXXX XXXX% XXXX XXXX% |
Overdraft policy and fees | ||
What happens if I don't have enough money to cover a transaction? | ||
Transactions will be declined or returned unpaid when you have insufficient funds. | At account opening, choose an Overdraft Setting.adatext This determines how we handle transactions when you have insufficient funds. | At account opening, choose an Overdraft Setting.adatext This determines how we handle transactions when you have insufficient funds. |
Balance Connect® for Overdraft Protectionadatext | ||
No Overdraft Protection is not available for this account setting. | Yes You can link an eligible Bank of America account to cover transactions that exceed your account balance. There is no transfer fee however other fees and charges may apply. | Yes You can link an eligible Bank of America account to cover transactions that exceed your account balance. There is no transfer fee however other fees and charges may apply. |
Overdraft Item feeadatext | ||
N/A Transactions will be declined or returned unpaid when they exceed your balance. | $10 Applies to each item that we pay into overdraft. | $10 Applies to each item that we pay into overdraft. |
Refer to the SafeBalance Clarity Statement for more details | Refer to the Advantage Plus Banking Clarity Statement for more details | Refer to the Advantage Relationship Banking Clarity Statement for more details |
Bank of America Advantage SafeBalance Banking® | Bank of America Advantage Plus Banking® | Bank of America Advantage Relationship Banking® |
Open now | Open now | Open now |
Open now | Open now | Open now |
Contact us
- Schedule an appointment
- Schedule an appointment
- Call us
- Phone number:844.375.7028