Advantage with Tiered Interest Checking
  • Earn interest on your checking account's balance
  • Receive almost every banking service for free or at special rates
Features
  • Special rates on CDs, IRAs, select loans, and lines of credit1
  • Free Online Banking service with Bill Pay®
  • Free Visa® Check Card with Total Security Protection® and Photo Security®
  • No fee for cashier's checks, money orders or ATM statements
  • Manage your money online, by phone or using our ATMs all with no fee
  • Unlimited check writing with free deluxe checks
  • Free enrollment in Keep the Change®
  • Earn up to 20% cash back each time you use your check card through Add It Up™
  • Trade stocks online with Banc of America Online Investing, Powered by Merrill Lynch for $7 per trade
  • No rental fee on standard size safe deposit box (subject to availability)
Exclusive FDIC Benefits
All checking balances in this account are 100% FDIC insured
Bank of America now offers full Federal Deposit Insurance Corporation (FDIC) coverage for Advantage with Tiered Interest Checking through December 31, 2009. To qualify for this FDIC guarantee, the interest rate will not exceed 0.50% through that date.

Footnote 1Credit is subject to approval, and normal credit standards apply. Loan discount does not apply to certain types of loans, such as first mortgages and dealer loans.
Rates & Fees
Monthly Maintenance Fee Balance Requirement
$25* $0

Footnote* You can waive your monthly maintenance fee by maintaining a minimum balance of $10,000 in your checking account. ReadMore waysto avoid the monthly maintenance fee for Advantage with Tiered Interest Checking Account.
Fee type Fee

Overdraft Items and NSF: Returned Items

When you do not have enough available funds to cover a check or other item, we may either pay it and charge you an Overdraft Item Fee or return it unpaid and charge you a NSF: Returned Item Fee.

$35

When we determine that your account is overdrawn by a total amount less than $10 after we finish processing for that day and we pay for the transaction or transactions, we do not charge Overdraft Item Fees.

When we determine that your account is overdrawn by a total amount of $10 or more after we finish processing for that day and we pay for the transaction or transactions, we charge an Overdraft Item Fee of $35 per item.

NSF: Returned Item Fees are also $35 per item and are charged when we decline or return your transactions when you do not have sufficient funds in your account to pay for the transaction or transactions.

You are charged for no more than 4 Overdraft Item and Returned Item Fees per day.

Extended Overdrawn Balance Charge

Applies when we determine that your account has been overdrawn for 5 or more consecutive business days.

$35.00 For each time that your account is overdrawn by any amount for 5 or more consecutive business days, we charge one Extended Overdrawn Balance Charge.

Check enclosure fee

The fee charged for returning cancelled checks with your monthly statements.

$3 each statement cycle

Stop Payment fee

Waived

Non-Bank of America ATM fee in the United States1

$2.00 per withdrawal, transfer, or balance inquiry

Non-Bank of America ATM fee in a foreign country1

$5.00 per withdrawal, transfer, or balance inquiry

Footnote1 A non-Bank of America ATM is an ATM that does not prominently display the Bank of America name or logo on the ATM. When you use a non-Bank of America ATM, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.
Interest rates
Advantage with Tiered Interest Checking Interest Rate APY4
Less than $10,000 0.05% 0.05%
$10,000 - $99,999 0.25% 0.25%
$100,000 and over 0.40% 0.40%

Footnote 4Annual Percentage Yield is accurate as of 11/20/2009. This is a variable rate account. Rates may change at any time without prior notice. Fees could reduce earnings on the account.
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