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Choose Your State: Let's Save Some Money

Keep the Change®
Little purchases add up to big savings.

Change really does add up. With Keep the Change, every Check Card purchase puts money in your savings account.

We'll match your Keep the Change savings up to $250 per year1
Customers have saved over $1 Billion with Keep the Change
Keep the Change is a free service

See how it works

Risk Free CD^TM ² Also known as the I Might Need That Money Back CD.

Six months, six weeks or even six days. You can withdraw your money from our Risk Free CD for any reason.³

No-fee early withdrawals
Guaranteed rate of return
Short 9-month term

Open a Risk Free CD

High Yield CD ⁴
Where maximum return meets minimum commitment.

Open a High Yield CD and earn more without a long-term investment.

$5,000 minimum to open
Short 7-month term
FDIC insured

Open a High Yield CD

Select Money
Market Savings

Get a higher return without a big commitment.

Earn more and access your money if you need it.

Learn more

A Savings Story: Actor. Bartender. Saver.Jane. Santa Monica, California."I bartend for cash while I get my acting career off the ground. So, honestly, how am I supposed to save money?"
Keep the Change lets you save effortlessly with everyday purchases. All that change really does add up.
Learn More A Savings Story: Dreamers. Jet Setters. Savers.Steve and Julie. Tucson, Arizona."At this point in our life we want to live each day to the fullest."
The Risk Free CD gives us the freedom to access our money if we need it.³
Learn MoreA Savings Story: Grandfather. Life enthusiast. Saver.Tom. Denver, Colorado. "I want to know that my hard earned savings will be safe."
The High Yield CD gives you both a higher return and the peace of mind that comes only from FDIC insurance.
Learn More A Savings Story: Nature lovers. Musicians. Savers.James and Susan. Portland, Oregon."We need a savings plan we don't have to think about."
With Keep the Change, you save automatically with everyday purchases. It's a no brainer.
Learn More A Savings Story: Doctor. Runner. Saver.Philip. Brooklyn, New York. "It's my money and I want to be able to use it if I need to."
Withdraw your money penalty-free with Bank of America's Risk Free CD.3
Learn MoreA Savings Story: Analyst. Artist. Saver.Anne. Atlanta, Georgia."I've always been a saver but I need flexibility too."
Access your money when you really need it with The Risk Free CD.³A Savings Story: Teacher. Coach. Saver.Andrew. Memphis, Tennessee."My dad is always telling me to invest, but I need something that I'm comfortable with."
The High Yield CD gives you a competitive rate and it's FDIC insured so your money is always safe.

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1 Purchases with rewards or ATM cards are not eligible for matching. We will match 100% of your Keep the Change transfers for the first three months after you enroll. Thereafter, we will match 5% (10% for Tiered Interest Checking customers). The maximum total match is $250 per year. Matching funds are paid annually after the anniversary of enrollment on accounts that remain open and enrolled. Bank of America will only match Keep the Change transfers on up to five checking accounts per depositor (including joint depositors) or up to five checking accounts per household, whichever is less. Eligible savings accounts include Regular Savings (or Market Rate Savings in WA and ID), which requires a minimum opening balance of $25 ($1 in WA and ID) and pays a variable annual percentage yield that is 0.20% as of 6/26/2008. Money Market Savings accounts are also eligible. Matching funds will be reported to the IRS on Form 1099. Fees may reduce earnings. Patent pending.

2 The Annual Percentage Yield (APY) is accurate as of 9/8/2008. This promotional APY applies only to the initial term of a new Risk Free CD with a 9-month term that is opened online through bankofamerica.com. We may change this promotional rate at any time without prior notice. The minimum balance required to open a Risk Free CD is $5,000. We may limit the amount you may invest in one or more Risk Free CDs to a total of $500,000. Alternative terms not allowed. Additional restrictions apply. For a Risk Free CD, we waive the early withdrawal penalty after the first six days of the account term (or the first six days following any partial withdrawal) when you reinvest the amount withdrawn in any Bank of America deposit account. We may require at least seven days’ prior written notice of your intended withdrawal from a Risk Free CD.

3 The Annual Percentage Yield (APY) is accurate as of 9/8/2008. This promotional APY applies only to the initial term of a new High Yield CD with a 7-month term that is opened online through bankofamerica.com. We may change this promotional APY at any time without prior notice. The minimum balance required to open a High Yield CD is $5,000. We may limit the amount you may invest in one or more High Yield CDs to a total of $500,000. Alternative terms not allowed. Additional restrictions apply. A penalty is imposed for early withdrawal. Your account is covered by FDIC insurance to the maximum allowed by law.

4 Minimum to open: $25. Monthly maintenance fee: $15. Avoid the monthly maintenance fee by meeting one of the following requirements during each statement cycle: Maintain a minimum daily balance of $5,000 or more in your account or link this account to your Advantage®/Preferred^TM/Prima®/Tiered Interest Checking/FirstChoice^TM Gold Checking. These rates may change at any time without prior notice. Fees could reduce earnings on the account. See our Personal Schedule of Fees for more information.

5 MyAccess Checking® has no monthly maintenance fee when opened online. Other account related service fees still apply. Offer may be withdrawn or modified at any time. This is a special online-only offer.

6 Online and Mobile Banking Service: You will be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges. Mobile Banking Bill Pay payees must be previously set up through Online Banking. Mobile Banking is not available with accounts located in Washington or Idaho.